tag:blogger.com,1999:blog-73185549463433811832024-02-19T00:54:05.477-08:00LALA 'aula'Temukan hal menarik disini ^^LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.comBlogger733125tag:blogger.com,1999:blog-7318554946343381183.post-64196376498423494532022-10-26T06:44:00.001-07:002022-10-26T06:44:12.251-07:00Earning Per Share<p class="MsoListParagraph" style="line-height: 200%; margin-left: 31.5pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;"><b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Definisi Earning
Per Share<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: 31.5pt; text-align: justify; text-indent: .5in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Earning Per Share (EPS)
atau pendapatan perlembar saham adalah bentuk pemberian keuntungan yang
diberikan kepada para pemegang saham dari setiap lembar saham yang dimilikinya </span><!--[if supportFields]><span
style='font-size:12.0pt;mso-bidi-font-size:11.0pt;line-height:200%;font-family:
"Times New Roman",serif'><span style='mso-element:field-begin;mso-field-lock:
yes'></span>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"author":[{"dropping-particle":"","family":"Irham","given":"Fahmi","non-dropping-particle":"","parse-names":false,"suffix":""}],"id":"ITEM-1","issued":{"date-parts":[["2011"]]},"publisher":"Alfabeta","publisher-place":"Bandung","title":"Analisis
Laporan Akuntansi","type":"book"},"uris":["http://www.mendeley.com/documents/?uuid=947203f5-1f5d-41a7-879f-c92e817e6284"]}],"mendeley":{"formattedCitation":"(Irham,
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style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;"><span style="mso-no-proof: yes;">(Irham, 2011)</span></span><!--[if supportFields]><span
style='font-size:12.0pt;mso-bidi-font-size:11.0pt;line-height:200%;font-family:
"Times New Roman",serif'><span style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">. Dengan demikian Earning Per Share (EPS) merupakan
besaran pendapatan yang diterima oleh para pemegang saham dari setiap lembar
saham biasa yang beredar dalam periode tertentu. Dapat disimpulkan bahwa
Earning Pershare (EPS) merupakan rasio yang menggambarkan jumlah rupiah yang
diperoleh untuk setiap lembar saham dan mengukur keberhasilan manajemen dalam
mencapai keuntungan bagi para pemegang saham.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .5in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Secara umum Earning
Pershare (EPS) atau laba per lembar saham diartikan sebagai tingkat keuntungan
bersih untuk tiap lembar sahamnya yang mampu diraih perusahaan pada saat
menjalankan operasinya. Laba per lembar saham atau Earning Pershare (EPS)
diperoleh dari laba periode berjalan yang dicetak oleh perusahaan dibagi dengan
jumlah saham tercatat di Bursa Efek Indonesia. Rasio ini sering digunakan oleh
investor ataupun calon investor untuk menganalisas kemampuan perusahaan untuk
mencetak laba berdasarkan saham yang dimiliki atau laba per lembar saham. <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .5in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Investor dalam melakukan
investasi di pasar modal membutuhkan ketelitian dalam pengambilan keputusan
yang berhubungan dengan saham. Penilaian saham secara akurat dapat meminimalkan
resiko agar tidak salah dalam pengambilan keputusan. Oleh sebab itu, investor
perlu menganalisis kondisi keuangan perusahaan untuk pengambilan keputusan
dalam melakukan investasi saham. Untuk mengevaluasi kondisi keuangan
perusahaan, investor dapat melakukannya dengan menghitung rasio keuangan
perusahaan yaitu Earning Per Share (EPS).<o:p></o:p></span></p>
<p class="MsoListParagraph" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Penilaian Earning
Per Share<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .5in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Angka laba per lembar
saham (Earning Per Share) diperoleh dari laporan keuangan yang disajikan oleh
perusahaan. Karena itu langkah pertama yang dilakukan adalah memahami laporan
keuangan yang disajikan perusahaan. Ada dua laporan keuangan yang utama yaitu
neraca dan laporan rugi laba. Neraca manunjukkan posisi kekayaan, kewajiban
finansial dan modal sendiri pada waktu tertentu. Laporan rugi laba menunjukkan
berapa penjualan yang diperoleh, berapa biaya yang ditanggung dan berapa laba
yang diperoleh perusahaan pada periode waktu tetentu (biasanya selama 1 tahun).
Adapun rumusnya adalah sebagai berikut: <o:p></o:p></span></p>
<p align="center" class="MsoNormal" style="line-height: 200%; text-align: center; text-indent: 28.35pt;"><!--[if gte msEquation 12]><m:oMathPara><m:oMath><span
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style='mso-bidi-font-style:normal'>Per</i></m:r><m:r><i style='mso-bidi-font-style:
normal'> </i></m:r><m:r><i style='mso-bidi-font-style:normal'>S</i></m:r><m:r><i
style='mso-bidi-font-style:normal'>h</i></m:r><m:r><i style='mso-bidi-font-style:
normal'>are</i></m:r><m:r><m:rPr><m:scr m:val="roman"/><m:sty m:val="p"/></m:rPr>=</m:r></span><m:f><m:fPr><span
style='font-size:12.0pt;mso-ansi-font-size:12.0pt;mso-bidi-font-size:12.0pt;
font-family:"Cambria Math",serif;mso-ascii-font-family:"Cambria Math";
mso-hansi-font-family:"Cambria Math";mso-bidi-font-family:"Times New Roman";
mso-ansi-language:IN;mso-bidi-font-weight:bold'><m:ctrlPr></m:ctrlPr></span></m:fPr><m:num><span
lang=IN style='font-size:12.0pt;line-height:200%;font-family:"Cambria Math",serif;
mso-bidi-font-family:"Cambria Math";mso-ansi-language:IN'><m:r><m:rPr><m:scr
m:val="roman"/><m:sty m:val="p"/></m:rPr>Laba Bersih</m:r></span></m:num><m:den><span
lang=IN style='font-size:12.0pt;line-height:200%;font-family:"Cambria Math",serif;
mso-bidi-font-family:"Cambria Math";mso-ansi-language:IN'><m:r><m:rPr><m:scr
m:val="roman"/><m:sty m:val="p"/></m:rPr>Jumlah Saham Beredar</m:r></span></m:den></m:f></m:oMath></m:oMathPara><![endif]--><!--[if !msEquation]--><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><v:shapetype coordsize="21600,21600" filled="f" id="_x0000_t75" o:preferrelative="t" o:spt="75" path="m@4@5l@4@11@9@11@9@5xe" stroked="f">
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</v:imagedata></v:shape></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-28867221317007695062022-10-26T06:42:00.001-07:002022-10-26T06:42:13.365-07:00 Solvabilitas (Debt to Equity Ratio)<p class="MsoNormal" style="line-height: 200%; margin-left: 58.5pt; tab-stops: .75in; text-align: justify;"><b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">a. </span></b><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">Pengertian Solvabilitas<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: 58.5pt; text-align: justify; text-indent: 13.5pt;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Solvabilitas adalah kemampuan perusahan untuk mengembalikan pinjaman atau
melunasi utang yang diberikan oleh kreditor baik dalam jangka pendek maupun jangka
panjang. Umumnya, solvabilitas jangka pendek biasanya akan diukurdan
dibandingkan dengan asset lancar. Sedangkan solvabilitas jangka panjang, maka
pendapatan akan menjadi poin penting dalam pengukuran tersebut.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Rasio solvabilitas </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">merupakan rasio
yang </span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">akan
menunjukkan proporsi atas penggunaan utang untuk membiayai investasinya. </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">Rasio ini juga akan memperlihatkan bagaimana
pendanaan perusahaan yang berasal dari internal maupun eksternal serta sejauh
mana aktiva perusahaan dibiayai oleh hutang. </span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Dapat dikatakan juga bahwa
solvabilitas akan menunjukkan kemampuan perusahaan untuk memenuhi kewajiban
keuangannya apabila perusahaan tersebut dilikuidasi baik kewajiban keuangan
jangka pendek maupun jangka panjang. Suatu perusahaan dikatakan <i style="mso-bidi-font-style: normal;">solvable </i>apabila perusahaan tersebut
mempunyai aset yang cukup untuk membayar semua hutangnya</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"> </span><!--[if supportFields]><span
class=MsoFootnoteReference><span style='font-size:12.0pt;line-height:200%;
font-family:"Times New Roman",serif;mso-bidi-font-weight:bold'><span
style='mso-element:field-begin;mso-field-lock:yes'></span></span></span><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"author":[{"dropping-particle":"","family":"Kasmir","given":"","non-dropping-particle":"","parse-names":false,"suffix":""}],"id":"ITEM-1","issued":{"date-parts":[["2015"]]},"publisher":"Rajawali
Press","publisher-place":"Jakarta","title":"Analisis
Laporan
Keuangan","type":"book"},"uris":["http://www.mendeley.com/documents/?uuid=e409b29f-4a59-42bc-8fc4-9cb3aae9995f"]}],"mendeley":{"formattedCitation":"(Kasmir,
2015)","plainTextFormattedCitation":"(Kasmir,
2015)","previouslyFormattedCitation":"(Kasmir,
2015)"},"properties":{"noteIndex":0},"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"}<span
class=MsoFootnoteReference><span style='mso-element:field-separator'></span></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold; mso-no-proof: yes;">(Kasmir, 2015)</span><!--[if supportFields]><span
class=MsoFootnoteReference><span style='font-size:12.0pt;line-height:200%;
font-family:"Times New Roman",serif;mso-bidi-font-weight:bold'><span
style='mso-element:field-end'></span></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">.</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Dalam rasio solvabilitas ini, menyiratkan tiga hal penting. <i style="mso-bidi-font-style: normal;">Pertama, </i>dengan menaikkan dana melalui
utang, pemilik dapat mempertahankan pengendalian atas perusahaan dengan
investasi yang terbatas. <i style="mso-bidi-font-style: normal;">Kedua, </i>kreditor
mensyaratkan adanya ekuitas, atau dana yang disediakan oleh pemilik (<i style="mso-bidi-font-style: normal;">owner supplied funds</i>), sebagai marjin
pengaman, jika pemilik dana hanya menyediakan sebagian kecil dari pembiayaan
total, risiko perusahaan dipikul terutama oleh kreditornya. <i style="mso-bidi-font-style: normal;">Ketiga, </i>jika perusahaan memperoleh
tingkat laba yang lebih tinggi atas dana pinjamannya daripada tingkat bunga
yang dibayarkan atas dana tersebut, maka pengembalian atas modal pemilik
diperbesar, atau “diungkit”.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Berdasarkan pendapat tersebut diatas, sampai pada pemahaman penulis bahwa
<i style="mso-bidi-font-style: normal;">solvabilitas</i> atau <i style="mso-bidi-font-style: normal;">leverage </i>merupakan kemampuan perusahaan
dalam membiayai aset yang dimiliki dengan menggunakan pinjaman dan bagaimana
perusahaan tersebut memenuhi kewajiban-kewajibannya dalam pembayaran pinjaman.
Perusahaan yang tidak mempunya <i style="mso-bidi-font-style: normal;">leverage</i>
berarti menggunakan modal sendiri 100% untuk kegiatan perusahaannya. <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"><b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">b. </span></b><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">Tujuan dan Manfaat Solvabilitas<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">Dalam
perusahaan,</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> memilih menggunakan modal sendiri atau modal pinjaman haruslah
menggunakan beberapa perhitungan. Seperti diketahui bahwa pengguaan modal
sendiri atau dai modal pinjaman akan memberikan dampak tertentu bagi
perusahaan. Pihak manjemen harus pandai mengatur rasio kedua modal tersebut.
Pengaturan rasio yang baik akan memberikan banyak manfaat bagi perusahaan guna
menghadapi segala kemungkinan yang akan terjadi. Namun, semua kebijakan ini
tergantung dari tujuan perusahaan secara keseluruhan </span><span lang="IN" style="mso-ansi-language: IN;"><w:sdt citation="t" id="1853374859"><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin'></span><span
style='mso-spacerun:yes'> </span>CITATION Kas15 \l 1057 <span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-no-proof: yes;">(Kasmir, 2015)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Tujuan dari<i style="mso-bidi-font-style: normal;"> </i>solvabilitas<i style="mso-bidi-font-style: normal;"> </i>digunakan untuk mengetahui posisi
perusahaan terhadap kewajibannya kepada pihak lain atau kreditor dan untuk
menilai kemampuan perusahaan dalam memenuhi kewajiban yang bersifat tetap
seperti angsuran pinjaman termasuk bunga. Selain itu, solvabilitas dalam
perusahaan dapat digunakan dalam menilai keseimbangan antara nilai aktiva
khususnya aktiva tetap dengan modal dan<i style="mso-bidi-font-style: normal;"> </i><span style="mso-spacerun: yes;"> </span>menilai seberapa besar aktiva perusahaan
dibiayai oleh hutang. Kemudian, digunakan juga dalam kaitannya<i style="mso-bidi-font-style: normal;"> </i><span style="mso-spacerun: yes;"> </span>menilai atau mengukur seberapa bagian dari
setiap rupiah atas modal sendiri yang telah dijadikan jaminan dalam hutang dan
menilai berapa besarnya dana pinjaman yang akan segera ditagih.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Sementara itu manfaat solvabilitas sebagai salah satu dasar untuk
menganalisa kemampuan posisi perusahaan terhadap kewajiban kepada pihak
lainnya, menganalisis kemampuan perusahaan dalam hal memenuhi kewajibannya yang
bersifat tetap seperti angsuran pinjaman termasuk bunga, dan menganalisa seberapa
besar aktiva perusahaan dibiayai oleh hutang. Selain itu, manfaat dari
solvabilitas juga untuk menganalisa besarnya utang perusahaan berpengaruh
terhadap pengelolaan aktivanya, menganalisis atau mengukur berapa banyak bagian
dari setiap rupiah atas modal sendiri yang telah dijadikan jaminan untuk hutang
jangka panjang, dan menganalisis berapa banyak dana pinjaman yang akan segera
ditagih </span><!--[if supportFields]><span lang=IN style='font-size:12.0pt;
line-height:200%;font-family:"Times New Roman",serif;mso-ansi-language:IN;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin;mso-field-lock:
yes'></span>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"author":[{"dropping-particle":"","family":"Kasmir","given":"","non-dropping-particle":"","parse-names":false,"suffix":""}],"id":"ITEM-1","issued":{"date-parts":[["2015"]]},"publisher":"Rajawali
Press","publisher-place":"Jakarta","title":"Analisis
Laporan
Keuangan","type":"book"},"uris":["http://www.mendeley.com/documents/?uuid=e409b29f-4a59-42bc-8fc4-9cb3aae9995f"]}],"mendeley":{"formattedCitation":"(Kasmir,
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style='mso-element:field-separator'></span></span><![endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Kasmir,
2015)</span></span><!--[if supportFields]><span lang=IN style='font-size:12.0pt;
line-height:200%;font-family:"Times New Roman",serif;mso-ansi-language:IN;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">.</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> <span lang="IN"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="line-height: 200%; margin-left: 67.5pt; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">Metode
Pengukuran Solvabilitas</span></b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Salah satu jenis rasio keuangan yang digunakan untuk menganalisis kinerja
perusahaan adalah rasio solvabilitas yangmana terdapat beberapa jenis mulai
dari <i style="mso-bidi-font-style: normal;">debt to asset ratio, debt to equity
ratio, long term debt to equity ratio, times interest earned, </i>dan <i style="mso-bidi-font-style: normal;">fixed charge coverage</i></span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">. Dalam penelitian yang dilakukan, peneliti akan
menggunakan <i>debt to equity ratio. </i></span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><span style="mso-spacerun: yes;"> </span><i style="mso-bidi-font-style: normal;"><span lang="IN">Debt to Equity Ratio </span></i></span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">merupakan </span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">rasio </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">yang</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> membicarakan mengenai
keputusan pendanaan perusahaan. Keputusan tersebut akan terkait dengan
keputusan tentang bentuk dan komposisi pendanaan yang akan dipergunakan oleh
perusahan. Sumber pendanaan dapat diperoleh dari dalam perusahaan <i style="mso-bidi-font-style: normal;">(internal financing</i>) dan dari luar
perusahaan (<i style="mso-bidi-font-style: normal;">eksternal financing</i>).
Modal internal berasal dari laba ditahan, sedangkan modal eksternal dapet
bersumber dari modal sendiri dan melalui hutang. <i style="mso-bidi-font-style: normal;">Debt to Equity Ratio (DER)</i> merupakan salah satu rasio leverage (<i style="mso-bidi-font-style: normal;">solvabilitas</i>) yang mengukur perbandingan
antara modal eksternal dengan modal sendiri<i style="mso-bidi-font-style: normal;">.
Debt to Equity Ratio </i>merupakan rasio yang digunakan untuk menilai utang
dengan ekuitas. Untuk mencari rasio ini dengan cara membandingkan antara
seluruh utang, termasuk utang lancar dengan seluruh ekuitas. Rumus dari <i style="mso-bidi-font-style: normal;">Debt to Equity Ratio </i>adalah </span><span lang="IN" style="mso-ansi-language: IN;"><w:sdt citation="t" id="-1831673338"><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin'></span><span
style='mso-spacerun:yes'> </span>CITATION Kas15 \l 1057 <span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-no-proof: yes;">(Kasmir, 2015)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">: <o:p></o:p></span></p>
<p align="center" class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; text-align: center; text-indent: 28.35pt;"><!--[if gte msEquation 12]><m:oMathPara><m:oMath><span
lang=IN style='font-size:12.0pt;line-height:200%;font-family:"Cambria Math",serif;
mso-bidi-font-family:"Cambria Math";mso-ansi-language:IN'><m:r><m:rPr><m:scr
m:val="roman"/><m:sty m:val="p"/></m:rPr>DER=</m:r></span><m:f><m:fPr><span
style='font-size:12.0pt;mso-ansi-font-size:12.0pt;mso-bidi-font-size:12.0pt;
font-family:"Cambria Math",serif;mso-ascii-font-family:"Cambria Math";
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mso-ansi-language:IN;mso-bidi-font-weight:bold'><m:ctrlPr></m:ctrlPr></span></m:fPr><m:num><span
lang=IN style='font-size:12.0pt;line-height:200%;font-family:"Cambria Math",serif;
mso-bidi-font-family:"Cambria Math";mso-ansi-language:IN'><m:r><m:rPr><m:scr
m:val="roman"/><m:sty m:val="p"/></m:rPr>Total Utang</m:r></span></m:num><m:den><span
lang=IN style='font-size:12.0pt;line-height:200%;font-family:"Cambria Math",serif;
mso-bidi-font-family:"Cambria Math";mso-ansi-language:IN'><m:r><m:rPr><m:scr
m:val="roman"/><m:sty m:val="p"/></m:rPr>Total Ekuitas</m:r></span></m:den></m:f></m:oMath></m:oMathPara><![endif]--><!--[if !msEquation]--><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"><v:shapetype coordsize="21600,21600" filled="f" id="_x0000_t75" o:preferrelative="t" o:spt="75" path="m@4@5l@4@11@9@11@9@5xe" stroked="f">
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</v:imagedata></v:shape></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 48.0pt; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Dalam <i>debt to equity ratio </i>perlu membagi
total utang dengan total ekuitas. Dengan hal tersebut maka investor akan
mengetahui perbandingan modal eksternal denga modal sendiri.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: 49.5pt; tab-stops: 9.0pt; text-align: justify;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Berikut yang termasuk akun-akun dalam kategori
liabilitas jangka pendek, antara lain :<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Utang bank jangka pendek<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Utang usaha terdiri dari ; pihak berelasi dan pihak
ketiga<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Utang lain-lain –pihak ketiga<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Utang pajak<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Utang akrual <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 1.0in; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Bagian pinjaman bank jangka panjang yang akan jatuh
tempo dalam waktu satu tahun<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 67.5pt; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -13.5pt;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Bagian utang obligasi jangka panjang yang akan jatuh
tempo dalam waktu satu tahun<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; tab-stops: 9.0pt; text-align: justify;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><span style="mso-tab-count: 1;"> </span>Berikut yang termasuk
akun-akun dalam kategori liabiltas jangka panjang, antara lain :<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: .75in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 63.0pt; text-indent: 0in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span>Liabilitas
pajak tangguhan<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: .75in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: 0in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Pinjaman jangka panjang <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: .75in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: 0in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Liabilitas sewa<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: .75in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: 0in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Utang obligasi jangka panjang<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: .75in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: 0in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Liabilitas imbalan kerjajangka panjang<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: 4.5pt; tab-stops: 9.0pt; text-align: justify; text-indent: 4.5pt;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><span style="mso-tab-count: 2;"> </span>Berikut
yang termasuk akun-akun dalam kategori ekuitas, antara lain :<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Ekuitas yang dapat diatribusikan kepada pemilik
entitas induk yang teriri dari; modal saham, modal dasar dan modal ditempatkan
& disetor <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 76.5pt; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 63.0pt 67.5pt; text-indent: -22.5pt;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><span style="mso-spacerun: yes;"> </span>Tambahan
modal disetor<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; tab-stops: 1.0in; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Saldo laba terdiri dari ; ditentukan penggunaanya
dan belum ditentukan penggunaannya<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: 8.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Selisih kurs <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-top: 6.0pt;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><o:p> </o:p></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-19711191872215423152022-10-26T06:41:00.004-07:002022-10-26T06:41:28.965-07:00Profitabilitas<p> </p><p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt;">Profitabilitas merupakan kemampuan suatu perusahaan dalam menghasilkan laba
selama periode tertentu. Laba tersebut diperoleh dari modal yang dimilikinya.
Profitabilitas sebagai salah satu acuan dalam mengukur besarnya laba menjadi
begitu penting untuk mengetahui apakah perusahaan telah menjalankan usahanya
dengan efisien. Efisiensi sebuah usaha baru dapat diketahui setelah
membandingkan laba yang diperoleh dengan aktiva atau modal yang menghasilkan
laba tersebut. Tujuan akhir yang ingin dicapai suatu perusahaan yang terpenting
adalah memperoleh laba atau keuntungan yang maksimal.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Rasio p</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">rofitabilitas</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"> merupakan rasio perbandingan untuk mengetahui
kemampuan perusahaan untuk mendapatkan laba dari pendapatan terkait penjualan,
aset, dan ekuitas berdasarkan pengukuran tertentu. Rasio ini </span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">dapat digunakan untu kinerja
suatu perusahaan yang dalam hal ini pasti berorientasi pada profit motif atau
keuntungan yang diraih oleh perusahaan tersebut. Profitabilitas suatu
perusahaan menunjukkan perbandingan antara laba dengan aktiva atau modal yang
menghasilkan laba tersebut. Dengan kata lain profitabilitas adalah kemampuan
suatu perusahaan untuk mencapai laba. Laba bisa diartikan sebagai pendapatan
operasi perusahaan setelah dikurangi biaya bunga dan pajak</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">.</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> Hal tersebut memperlihatkan jika sasaran yang akan
dicari dalam profitabilitas adalah laba perusahaan. </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">R</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">asio profitabilitas akan dapat mengukur efektivitas
manajemen secara keseluruhan yang ditunjukkan oleh besar kecilnya tingkat
keuntungan yang diperoleh dalam hubungannya dengan penjualan maupun investasi.
Semakin baik rasio profitabilitas perusahaan maka akan semakin baik dalam
menggambarkan kemampuan atas tingginya perolehan laba perusahaan</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"> </span><!--[if supportFields]><span
class=MsoFootnoteReference><span style='font-size:12.0pt;line-height:200%;
font-family:"Times New Roman",serif;mso-bidi-font-weight:bold'><span
style='mso-element:field-begin;mso-field-lock:yes'></span></span></span><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"DOI":"10.33062/mjb.v3i2.261","ISSN":"2527-4317","abstract":"This
study aims to analyze the effect of Net Profit Margin, Return On Assets, and
Return On Equity on Stock Price of consumption industrial sector companies
listed in Indonesian Sharia Stock Index at Indonesia Stock Exchange. The method
of growth analysis which used is quantitative descriptive method. Whereas to
find out the effect of Net Profit Margin, Return On Assets, and Return On
Equity for Stock Price partially or simultaneously use descriptive method and
multiple linear regression analysis technique. The study results that obtained
show that partially Net Profit Margin and Return On Assets do not affect stock
price, whereas Return On Equity effects on stock price. Simultaneously Net
Profit Margin, Return On Assets, and Return On Equity affect stock prices. Key
words: Net Profit Margin, Return On Assets, Return On Equity, and Stock
Price","author":[{"dropping-particle":"","family":"Hadi","given":"Wartoyo","non-dropping-particle":"","parse-names":false,"suffix":""}],"container-title":"The
Management Journal of
Binaniaga","id":"ITEM-1","issue":"2","issued":{"date-parts":[["2018"]]},"page":"81","title":"Analysis
of The Effect of Net Profit Margin, Return on Asset, and Return on Equity on
Stock Price","type":"article-journal","volume":"3"},"uris":["http://www.mendeley.com/documents/?uuid=61612013-d694-4837-a1c2-1103fc7e5497"]}],"mendeley":{"formattedCitation":"(Hadi,
2018)","plainTextFormattedCitation":"(Hadi,
2018)","previouslyFormattedCitation":"(Hadi,
2018)"},"properties":{"noteIndex":0},"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"}<span
class=MsoFootnoteReference><span style='mso-element:field-separator'></span></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-no-proof: yes;">(Hadi, 2018)</span><!--[if supportFields]><span
class=MsoFootnoteReference><span style='font-size:12.0pt;line-height:200%;
font-family:"Times New Roman",serif;mso-bidi-font-weight:bold'><span
style='mso-element:field-end'></span></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">.<o:p></o:p></span></p>
<p class="MsoListParagraph" style="line-height: 200%; margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level2 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">Jenis
Profitabilitas<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Jenis profitabilitas terbagi menjadi tiga yaitu <i style="mso-bidi-font-style: normal;">profit margin, Return On Asset (ROA), </i>dan <i style="mso-bidi-font-style: normal;">Return on Equity (ROE)</i>. <i style="mso-bidi-font-style: normal;">Profit
Margin </i>akan menggambarkan efisiensi suatu perusahaan dalam menghasilkan
lama. Angka dari <i style="mso-bidi-font-style: normal;">profit margin </i>menunjukkan
bersarnya persentasi pendapatan bersih yang dapat diperoleh setiap penjualan.
Semakin besar atau tinggi maka akan semakin baik karena dianggap sebagai
kemampuan perusahaan dalam mendapatkan laba juga tinggi </span><span lang="IN" style="mso-ansi-language: IN;"><w:sdt citation="t" id="1394004772"><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin'></span>CITATION
Placeholder1 \l 1057 <span style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-no-proof: yes;">(Tyas, A.R et al., 2016)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">. <i style="mso-bidi-font-style: normal;">Return on Asset </i>atau ROA merupakan rasio yang akan menggambarkan
perputaran aktiva diukur dari volume penjualan. Semakin besar rasio ini maka
semakin baik karena aktiva lebih cepat berputar dan meraih lama. <i style="mso-bidi-font-style: normal;">Return on Equity </i>atau ROE merupakan
rasio yang menunjukkan berapa persen diperoleh laba bersih bila diukut dari
modal pemilik dimana semakin besar maka semakin baik </span><span lang="IN" style="mso-ansi-language: IN;"><w:sdt citation="t" id="-2066015325"><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin'></span><span
style='mso-spacerun:yes'> </span>CITATION Suw10 \l 1057 <span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-no-proof: yes;">(Suwiknyo, 2010)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">.</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"> Namun dalam penelitian ini akan menggunakan <i>Return on Asset </i>karena
akan melihat perputaran aktiva yang diukur dari volume penjualan.</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> <span lang="IN"><o:p></o:p></span></span></p>
<p class="MsoListParagraph" style="line-height: 200%; margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level2 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">Tujuan
Penggunaan Rasio Profitabilitas<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Tujuan dari digunakannya rasio profitabilitas bagi perusahaam ataupun
pihak luar adalah untuk mengukur dan menghitung laba yang diperoleh perusahaan
dalam satu periode tertentu. Selain itu, rasio tersebut dapat digunakan dalam
menilai posisi laba perusahaan tahun sebelumnya dengan tahun sekarang sehingga
dapat menilai perkembangan laba dari waktu ke waktu dan juga untuk
membandingkan perusahaan lainnya, baik sejenis maupun beda. Terlebih, rasio
tersebut akan memperlihatkan besarnya laba perusahaan sesudah pajak dengan
modal sendiri dari dapat mengukut produktivitas seluruh dana perusahaan yang
digunakan baik modal pinjaman maupun modal sendiri</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"> </span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin;mso-field-lock:
yes'></span>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"author":[{"dropping-particle":"","family":"Kasmir","given":"","non-dropping-particle":"","parse-names":false,"suffix":""}],"id":"ITEM-1","issued":{"date-parts":[["2015"]]},"publisher":"Rajawali
Press","publisher-place":"Jakarta","title":"Analisis
Laporan
Keuangan","type":"book"},"uris":["http://www.mendeley.com/documents/?uuid=e409b29f-4a59-42bc-8fc4-9cb3aae9995f"]}],"mendeley":{"formattedCitation":"(Kasmir,
2015)","plainTextFormattedCitation":"(Kasmir,
2015)","previouslyFormattedCitation":"(Kasmir,
2015)"},"properties":{"noteIndex":0},"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"}<span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Kasmir, 2015)</span></span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">. Rumus rasio profitabilitas adalah sebagai berikut:<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify; text-indent: .25in;"><!--[if gte msEquation 12]><m:oMathPara><m:oMath><span
style='font-size:12.0pt;line-height:200%;font-family:"Cambria Math",serif;
mso-bidi-font-family:"Cambria Math"'><m:r><m:rPr><m:scr m:val="roman"/><m:sty
m:val="p"/></m:rPr>Return on Asset </m:r></span><m:d><m:dPr><span
style='font-size:12.0pt;mso-ansi-font-size:12.0pt;mso-bidi-font-size:12.0pt;
font-family:"Cambria Math",serif;mso-ascii-font-family:"Cambria Math";
mso-hansi-font-family:"Cambria Math";mso-bidi-font-family:"Cambria Math";
mso-bidi-font-weight:bold'><m:ctrlPr></m:ctrlPr></span></m:dPr><m:e><span
style='font-size:12.0pt;line-height:200%;font-family:"Cambria Math",serif;
mso-bidi-font-family:"Cambria Math"'><m:r><m:rPr><m:scr m:val="roman"/><m:sty
m:val="p"/></m:rPr>ROA</m:r></span></m:e></m:d><span style='font-size:
12.0pt;line-height:200%;font-family:"Cambria Math",serif;mso-bidi-font-family:
"Cambria Math"'><m:r><m:rPr><m:scr m:val="roman"/><m:sty m:val="p"/></m:rPr>=</m:r></span><m:f><m:fPr><span
style='font-size:12.0pt;mso-ansi-font-size:12.0pt;mso-bidi-font-size:12.0pt;
font-family:"Cambria Math",serif;mso-ascii-font-family:"Cambria Math";
mso-hansi-font-family:"Cambria Math";mso-bidi-font-family:"Times New Roman";
mso-bidi-font-weight:bold'><m:ctrlPr></m:ctrlPr></span></m:fPr><m:num><span
style='font-size:12.0pt;line-height:200%;font-family:"Cambria Math",serif;
mso-bidi-font-family:"Cambria Math"'><m:r><m:rPr><m:scr m:val="roman"/><m:sty
m:val="p"/></m:rPr>Laba Bersih Setelah Pajak</m:r></span></m:num><m:den><i
style='mso-bidi-font-style:normal'><span style='font-size:12.0pt;
line-height:200%;font-family:"Cambria Math",serif;mso-bidi-font-family:
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<p class="MsoListParagraphCxSpLast" style="line-height: normal; margin-left: .75in; mso-add-space: auto; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-bidi-font-weight: bold;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; tab-stops: 9.0pt; text-align: justify; text-indent: -31.5pt;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>Berikut yang termasuk akun-akun dalam
kategori laba bersih setelah pajak, <span style="mso-spacerun: yes;"> </span>antara
lain :<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: 0in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Penjualan bersih<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: 0in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Beban pokok penjualan<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Beban usaha yang terdiri dari; beban penjualan dan
beban umum dan administrasi<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level1 lfo2; tab-stops: 58.5pt; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><span style="mso-spacerun: yes;"> </span>Penghasilan (Beban) lain-lain yang terdiri
dari; beban bunga, laba (rugi) selisih kurs <span style="mso-spacerun: yes;"> </span>mata uang asing–bersih, penghasilan bunga,
keuntungan penjualan aset tetap, dan lain-lain –bersih <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Beban (Penghasilan) pajak yang terdiri dari; pajak
kini dan pajak tangguhan <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-left: .75in; mso-add-space: auto; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-bidi-font-weight: bold;"><o:p> </o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">Kemudian, pada total a</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">s</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">set untuk mengetahui <i>return on asset </i>ya</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">ng</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"> merupakan jumlah keseluruhan asset dari perusahaan
yang terdiri dari asset lancer</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> dan asset tidak lancar</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">. Aset lancar merupakan sumber daya atau klaim atas
sumber daya yang dapat langsung diubah menjadi kas sepanjang siklus operasi
perusahaan. Berdasarkan PSAK 1, suatu entitas akan mengklasifikasikan suatu
objek sebagai aset lancar jika entitas mengharapkan akan merealisasikan aset
atau bermaksud untuk menjual ataupun menggunakannya dalam siklus operasi
normal. Kemudian, entitas memiliki aset untuk tujuan diperdagangkan dan
merealisasikan aset dalam jangka waktu 12 bulan setelah periode pelaporan.
Selain itu dalam aset lancar terdapat kas atau setara kas seperti uang yang
dijatakan dalam PSAK 2, kecuali as</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">s</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">et tersebut
dibatasi pertukarannya atau penggunaannya untuk menyelesaikan liabilitas
sekurang-kurangnya 12 bulan setelah periode pelaporan. Biasanya, kelasfikasi as</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">s</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">et lancar berupa kas, setara kas, efek piutang, detivatif, persediaan,
dan bebas diterima dimuka.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Asset tidak lancar merupakan
sumber daya atau klaim atas sumber daya yang diharapkan dapat memberikan
manfaat pada perusahaan selama periode atau melebihi periode. Menurut PSAK 16
asset tidak lancar adalah asset beerwujud yang dimiliki untuk digunakan dalam
produksi atau penyediaan barang atau jasa untuk direntalkan kepada pihak lain,
atau untuk tujuan administratif dan diharapkan untuk digunakan selama lebih
dari satu periode. Asset tidak lancar mencakup properti, pabrik, peralatan,
asset tidak berwujud, investasi dan beban-beban yang ditangguhkan. Dalam
penelituan ini yang dimaksudnkan total asset adalah asset lancar.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-left: .75in; mso-add-space: auto; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-bidi-font-weight: bold;"><o:p> </o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-left: 67.5pt; mso-add-space: auto; mso-list: l1 level2 lfo1; tab-stops: .75in 76.5pt; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><!--[endif]--><b><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">Fungsi Profitabilitas<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Profitabilitas yang digunakan sebagai kriteria penilaian hasil
operasi<span style="mso-spacerun: yes;"> </span>perusahaan mempunyai manfaat
yang sangat penting dan dapat dipakai. Profitabilitas memiliki fungsi sebagai
analisa kemampuan kemampuan menghasilkan laba ditunjukkan untuk mendeteksi penyebab
timbulnya laba atau rugi yang dihasilkan oleh suatu objek informasi dalam
periode akuntansi tertentu<span style="mso-spacerun: yes;"> </span></span><!--[if supportFields]><span
lang=IN style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-ansi-language:IN;mso-bidi-font-weight:bold'><span style='mso-element:field-begin;
mso-field-lock:yes'></span>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"abstract":"Penelitian
ini bertujuan untuk menganalisa kebijakan hutang, struktur modal dan
profitabilitas terhadap kegiatan investasi baik secara parsial dan simultan
pada konsumen perusahaan manufaktur barang yang terdaftar di Bursa Efek
Indonesia. Variabel yang diteliti adalah Rasio hutang terhadap Total Aktiva
(DAR) sebagai indikator kebijakan hutang, Debt to equity ratio (DER) sebagai
indikator struktur modal dan Return On Capital Employed (ROCE) sebagai
indikator profitabilitas dan Fixed asset ratio(FAT) sebagai indikator kegiatan
investasi.Jenis penelitian ini adalah penelitian asosiatif kausal. Metode
sampling yang digunakan adalah purposive sampling, dari 17 perusahaan
manufaktur barang konsumsi, 10 digunakan sebagai sampel dalam penelitian ini
2011-2014. Data yang digunakan adalah laporan tahunan masing-masing perusahaan,
dipublikasikan melalui www.idx.co.id. Alat bantu analisis menggunakan SPSS
versi 18 dengan analisa statistik regresi linier berganda. Hasil penelitian
menunjukkan bahwa kebijakan hutang dan profitabilitas secara parsial
berpengaruh signifikan terhadap aktivitas investasi di struktur modal tetapi
tidak berpengaruh secara parsial terhadap kegiatan investasi di Consumer Goods
Manufacturing Company yang terdaftar di Bursa Efek Indonesia. Selain itu,
kebijakan hutang, struktur modal, dan profitabilitas secara simultan berpengaruh
signifikan terhadap kegiatan investasi di Consumer Goods Manufacturing Company
yang terdaftar di Bursa Efek
Indonesia","author":[{"dropping-particle":"","family":"Mahendra","given":"Prasetya
Tri","non-dropping-particle":"","parse-names":false,"suffix":""}],"container-title":"Jurnal
Riset Ekonomi dan
Bisnis","id":"ITEM-1","issue":"2","issued":{"date-parts":[["2015"]]},"page":"171-180","title":"Pengaruh
Kebijakan Hutang, Struktur Modal Dan Profitabilitas Terhadap Aktivitas
Investasi Perusahaan Manufaktur Barang Konsumsi Yang Terdaftar Di Bursa Efek
Indonesia","type":"article-journal","volume":"10"},"uris":["http://www.mendeley.com/documents/?uuid=59bcd986-5572-4d3c-b4d9-a032ee2d92df"]}],"mendeley":{"formattedCitation":"(Mahendra,
2015)","plainTextFormattedCitation":"(Mahendra,
2015)","previouslyFormattedCitation":"(Mahendra,
2015)"},"properties":{"noteIndex":0},"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"}<span
style='mso-element:field-separator'></span></span><![endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Mahendra,
2015)</span></span><!--[if supportFields]><span lang=IN style='font-size:12.0pt;
line-height:200%;font-family:"Times New Roman",serif;mso-ansi-language:IN;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">. <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .75in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Profitabilitas dapat dimanfaatkan untuk menggambarkan kriteria yang
sangat diperlukan dalam menilai sukses suatu perusahan dalam hal kapabilitas
dan motivasi dari manajemen. Selain itu, profitabilitas merupakan suatu alat
untuk membuat proyeksi laba perusahaan karena menggambarkan korelasi antara
laba dan jumlah modal yang ditanamkan dan<span style="mso-spacerun: yes;">
</span>merupakan suatu alat pengendalian bagi manajemen, profitabilitas dapat
dimanfaatkan oleh pihak intern untuk menyusun target, budget koordinasi,
evaluasi hasil pelaksanaan operasi perusahaan dan dasar pengambilan keputusan. <o:p></o:p></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-40700616607213761402022-10-26T06:35:00.002-07:002022-10-26T06:35:13.088-07:00Harga Saham<p> </p><p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">Harga saham merupakan harga
penutupan pasar saham selama periode pengamatan tiap-tiap jenis saham yang
dijadikan sampel dan pergerakannya diamati oleh investor.<span style="mso-spacerun: yes;"> </span>H</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">arga saham merupakan harga jual dari investor yang
satu kepada investor yang lain setelah saham tersebut dicantumkan di bursa.
Kemudian, dapat dikatakan juga bahwa harga saham merupakan </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">biaya </span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">yang dikeluarkan untuk memperoleh bukti penyertaan atau
pemilikan suatu perusahaan </span><!--[if supportFields]><span lang=IN
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-ansi-language:IN;mso-bidi-font-weight:bold'><span style='mso-element:field-begin;
mso-field-lock:yes'></span>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"abstract":"Penelitian
ini bertujuan untuk menguji pengaruh, arah, dan signifikansi dari EPS terhadap
harga saham pada emiten perusahaan sektor property, real estate and building
construction yang tercatat sahamnya di BEI periode tahun 2011-2015. Penelitian
ini adalah studi dokumentasi, dimana data yang digunakan adalah berupa data
sekunder yang diperoleh dari laporan perusahaan yang telah tersedia. Populasi
dalam penelitian ini adalah seluruh perusahaan sektor property, real estate and
building construction yang terdaftar di BEI dan melaporkan keuangan perusahaan
pada periode 2011-2015. Dari total populasi, dilakukan penarikan sampel
sebanyak 46 perusahaan dengan metode purposive sampling, yaitu suatu metode
pengambilan sampel yang mengambil obyek dengan kriteria tertentu. Analisis data
dilakukan dengan analisis regresi linier sederhana dan uji hipotesis dengan
menggunakan uji t dan uji F. Hasil analisis menunjukkan EPS berpengaruh positif
dan signifikan terhadap harga saham, dengan nilai koefisien korelasi 0,711 dan
nilai probabilitas 0,000 kurang dari
0,05.","author":[{"dropping-particle":"","family":"Munggaran","given":"Andri","non-dropping-particle":"","parse-names":false,"suffix":""},{"dropping-particle":"","family":"Mukaram","given":"","non-dropping-particle":"","parse-names":false,"suffix":""},{"dropping-particle":"","family":"Sarah","given":"Ira
Siti","non-dropping-particle":"","parse-names":false,"suffix":""}],"container-title":"Jurnal
Riset Bsinis &
Investasi","id":"ITEM-1","issue":"2","issued":{"date-parts":[["2017"]]},"page":"1-12","title":"Pengaruh
Earning Per Share (EPS) Terhadap Harga
Saham.","type":"article-journal","volume":"3"},"uris":["http://www.mendeley.com/documents/?uuid=eb5d830b-70ac-4cf9-8582-70bf6a9105cf"]}],"mendeley":{"formattedCitation":"(Munggaran
et al., 2017)","plainTextFormattedCitation":"(Munggaran et
al., 2017)","previouslyFormattedCitation":"(Munggaran et
al., 2017)"},"properties":{"noteIndex":0},"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"}<span
style='mso-element:field-separator'></span></span><![endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Munggaran
et al., 2017)</span></span><!--[if supportFields]><span lang=IN
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-ansi-language:IN;mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">.</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> <span lang="IN"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .5in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">Dalam bursa efek, harga
saham ditentukan oleh pelaku pasar, permintaan, dan penawaran saham yang
bersangkutan. Harga saham merupakan salah satu indikator pengelolaan
perusahaan. Keberhasilan dalam menghasilkan keuntungan akan memberikan kepuasan
bagi investor yang rasional. Harga saham yang cukup tinggi akan memberikan
keuntungan, yaitu berupa <i>capital gain</i> dan citra yang lebih baik bagi perusahaan
sehingga memudahkan bagi manajemen untuk mendapatkan dana dari luar perusahaan.
<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">Pada pasar perdana, harga
saham akan menunjukkan harga penjualan pada perusahaan yang akan <i>go public </i>atau
harga penawaran saham saat <i>initial public offering </i>dilakukan yang
biasanya dipengaruhi oleh kondisi pasar, besar kecilnya permintaan, serta
kondisi fundamental perusahaan yang akan <i>go public. </i>Kemudian, pada</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> pasar sekunder atau dalam
aktivitas perdagangan saham sehari-hari, harga-harga saham mengalami fluktuasi
baik berupa kenaikan ataupun penurunan. Pembentukan harga saham terjadi karena
adanya permintaan <i style="mso-bidi-font-style: normal;">(demand)</i> dan
penawaran <i style="mso-bidi-font-style: normal;">(supply)</i> atas saham
tersebut. <i style="mso-bidi-font-style: normal;">Supply</i> dan <i style="mso-bidi-font-style: normal;">demand</i> tersebut terjadi karena adanya
banyak faktor, baik faktor yang sifatnya spesifik atas saham tersebut seperti
kinerja perusahaan serta industri di mana perusahaan tersebut bergerak, maupun
faktor yang sifatnya makro seperti kondisi ekonomi negara, kondisi sosial dan
politik, maupun rumor-rumor yang berkembang </span><span lang="IN" style="mso-ansi-language: IN;"><w:sdt citation="t" id="-1685966479"><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin'></span><span
style='mso-spacerun:yes'> </span>CITATION Mar19 \l 1057 <span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-no-proof: yes;">(Mar'ati, 2019)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--></w:sdt></span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;">.</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> <span lang="IN"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Harga saham dapat dibedakan menjadi tiga macam yaitu harga saham nominal,
harga saham perdana, dan harga pasar </span><span lang="IN" style="mso-ansi-language: IN;"><w:sdt citation="t" id="-446700813"><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin'></span><span
style='mso-spacerun:yes'> </span>CITATION Gri07 \l 1057 <span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-no-proof: yes;">(Griffin, 2007)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">. Harga nominal saham merupakan
harga yang tercantum pada lembar saham yang diterbitkan dan digunakan dengan
suatu tujuan akuntansi yaitu mencatat modal disetor penuh. Sedangkan harga
saham perdana atau harga penawaran umum atau harga saham perdana pada pasar
perdana belum tentu sama dengan harga nominal saham. Jika harga saham perdana
lebih tinggi dari harga nominal, akan ada selisih yang disebut dengan agio (<i style="mso-bidi-font-style: normal;">premium</i>). Sebaliknya jika harga perdana
lebih rendah dari harga nominal, selisih tersebut adalah disagio (<i style="mso-bidi-font-style: normal;">discount</i>). Kemudian, pada harga pasar
sendiri merupakan harga saham di bursa efek pada saat itu.<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"><br /></span></p><p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Sumber: Berbagai sumber</span></p><p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Saran : Silahkan membaca jurnal relevan agar mendapatkan sumber yang lebih dapat dipercaya</span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-77252191369348603262022-10-26T06:34:00.002-07:002022-10-26T06:35:23.479-07:00Saham<p> </p><p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Saham memberikan indikasi kepemilikan atas perusahaan sehingga para
pemegang saham berhak menentukan arah kebijaksanaan perusahaan lewat Rapat Umum
Pemegang Saham (RUPS)</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"> </span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin;mso-field-lock:
yes'></span>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"DOI":"10.14710/jab.v7i1.22568","ISSN":"2252-3294","abstract":"The
rapid development of capital markets are now attracting the attention of people
andcapital owners to invest in capital markets. During the year 2013-2016 the
average stock price of the textile and garment enterprises sub-sector
experienced a fluctuating condition. The financial ratios that are suspected to
affect the ups and downs of stock prices are ROA and EPS. The population of
this research are 15 Textile and Garment Sub-Sector Companies listed on
Indonesia Stock Exchange in 2013-2016. The analysis technique used is linear
regression analysis with SPSS program. This study aims to determine the effect
of ROA on stock prices through EPS as a mediator. The results showed that ROA
has no significant effect on stock prices, but ROA has a significant influence
on the mediation variable that is EPS. EPS variable has positive and significant
effect to stock price. ROA and EPS have a significant effect on stock prices.
EPS is fully mediated variable and can significantly mediate the relationship
between ROA and stock prices. Based on the analysis results, can be concluded
that the variables that affect the stock price is EPS, while the ROA variable
does not affect the stock price. As well as EPS variables can mediated the
relationship between ROA and stock prices. The results of this research, it is
expected the company further increase the profitability of the company in order
to increase the stock price so that it can give benefit the company and
investors.","author":[{"dropping-particle":"","family":"Efendi","given":"Fiona
Mutiara","non-dropping-particle":"","parse-names":false,"suffix":""},{"dropping-particle":"","family":"Ngatno","given":"Ngatno","non-dropping-particle":"","parse-names":false,"suffix":""}],"container-title":"Jurnal
Administrasi
Bisnis","id":"ITEM-1","issue":"1","issued":{"date-parts":[["2018"]]},"page":"1","title":"Pengaruh
Return On Assets (ROA Terhadap Harga Saham dengan Earning PerShare (EPS)
sebagai Intervening (Studi Kasus pada Perusahaan Sub SektorTekstil dan Garmen
yang terdaftar di Bursa Efek Indonesia Periode
2013-2016)","type":"article-journal","volume":"7"},"uris":["http://www.mendeley.com/documents/?uuid=3fa9fe67-e961-4bb1-b89a-ad70d8565cd1"]}],"mendeley":{"formattedCitation":"(Efendi
& Ngatno, 2018)","plainTextFormattedCitation":"(Efendi
& Ngatno, 2018)","previouslyFormattedCitation":"(Efendi
& Ngatno, 2018)"},"properties":{"noteIndex":0},"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"}<span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-weight: bold;"><span style="mso-no-proof: yes;">(Efendi & Ngatno,
2018)</span></span><!--[if supportFields]><span style='font-size:12.0pt;
line-height:200%;font-family:"Times New Roman",serif;mso-bidi-font-weight:bold'><span
style='mso-element:field-end'></span></span><![endif]--><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">. Para pemegang saham juga
berhak memperoleh deviden yang dibagikan oleh perusahaan. Sebaliknya, pemegang
saham pun turut menanggung resiko sebesar saham yang dimiliki apabila
perusahaan tersebut bangkrut </span><span lang="IN" style="mso-ansi-language: IN;"><w:sdt citation="t" id="1461080049"><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-begin'></span><span
style='mso-spacerun:yes'> </span>CITATION Pra17 \l 1057 <span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-no-proof: yes;">(Prasetyo, 2017)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif;
mso-bidi-font-weight:bold'><span style='mso-element:field-end'></span></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">. <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Saham merupakan
sertifikat yang menunjukkan bukti kepemilikan atas perusahaan, dan pemegang
saham memiliki hak klaim atas keuntungan dan aktiva perusahaan. Saham merupakan
surat berharga yang menunjukkan bagian dari kepemilikan perusahaan, jika para
investor berinvestasi dengan membeli saham berarti investor tersebut membeli
sebagian kepemilikan atas perusahaan tersebut, dan investor tersebut berhak
atas keuntungan yang diperoleh perusahaan dalam bentuk dividen. Selain deviden,
investor dalam melakukan investasi saham akan memperoleh <i>capital gain </i>atas
saham yang dibelinya pada suatu emiten (perusahaan) tertentu </span><!--[if supportFields]><span
style='font-size:12.0pt;mso-bidi-font-size:11.0pt;line-height:200%;font-family:
"Times New Roman",serif'><span style='mso-element:field-begin;mso-field-lock:
yes'></span>ADDIN CSL_CITATION
{"citationItems":[{"id":"ITEM-1","itemData":{"abstract":"Penelitian
ini mencari nilai intrinsik dari harga saham perusahaan multinasional.
Mengetahui nilai intrinsik dapat memberikan strategi dan keputusan untuk
investor ketika menentukan waktu yang tepat saat berbagai keputusan investasi
saham. Salah satu cara untuk menghitung nilai intrinsik harga saham dengan
menggunakan analisis fundamental dengan metode Dividend Discounted Model dan
Price Earning Ratio. Jenis penelitian ini merupakan penelitian deskriptif
pendekatan kuantitatif dengan objek penelitian saham perusahaan multinasional
yang sudah go public dan listing pada Sub Sektor Semen.di Bursa Efek Indonesia
dengan periode tahun 2012-2016. Data laporan keuangan dan harga saham
didapatkan dengan mengakses situs resmi Indonesia Stock Exchange (IDX).
Pengambilan sampel menggunakan teknik purposive sampling hasilnya hanya ada
tiga perusahaan yang memenuhi kriteria penelitian dari lima perusahaan yang
menjadi populasi. Hasil pertama penelitian dengan metode Dividend Discounted
Model maka saham SMGR, INTP dan SMCB mengalami undervalued sehingga keputusan
investasi untuk calon investor adalah dengan membeli saham tersebut. Metode
kedua Price Earning Ratio menghasilkan saham SMGR, INTP dan SMCB mengalami
undervalued sehingga keputusan investasi adalah dengan membeli saham
tersebut.","author":[{"dropping-particle":"","family":"Brilliand","given":"Diestra
Perdana
Eryando","non-dropping-particle":"","parse-names":false,"suffix":""},{"dropping-particle":"","family":"Hidayat","given":"Raden
Rustam","non-dropping-particle":"","parse-names":false,"suffix":""},{"dropping-particle":"","family":"Darmawan","given":"Ari","non-dropping-particle":"","parse-names":false,"suffix":""}],"container-title":"Jurnal
Administrasi Bisnis S1 Universitas Brawijaya","id":"ITEM-1","issue":"2","issued":{"date-parts":[["2016"]]},"page":"206-211","title":"Analisis
Fundamental Dalam Penilaian Harga Saham Dengan Menggunakan Metode Dividend
Discounted Model Dan Price Earning
Ratio","type":"article-journal","volume":"37"},"uris":["http://www.mendeley.com/documents/?uuid=51095c9f-f63f-48b5-80f6-5f5ba52bfe1a"]}],"mendeley":{"formattedCitation":"(Brilliand
et al., 2016)","plainTextFormattedCitation":"(Brilliand et
al., 2016)","previouslyFormattedCitation":"(Brilliand et
al., 2016)"},"properties":{"noteIndex":0},"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"}<span
style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;"><span style="mso-no-proof: yes;">(Brilliand et al.,
2016)</span></span><!--[if supportFields]><span style='font-size:12.0pt;
mso-bidi-font-size:11.0pt;line-height:200%;font-family:"Times New Roman",serif'><span
style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">.
Hal tersebut menunjukkan bahwa saham menjadi bagian penting dalam perusahaan
karena dapat menambah investor, namun dengan kepemilikan saham oleh investor
artinya investor akan turut menanggung risiko apabila terjadi kebangkrutan
perusahaan. Dalam hal kepemilikan saham, para pemegang saham berhak menentukan
arah kebijakan perusahaan selain meraih <i>deviden </i>maupun <i>capital gain. </i>Keadaan
demikian memperlihatkan bahwa memiliki saham atas suatu perusahaan tertentu
menjadi salah satu bentuk investasi yang dapat memberikan keuntungan sekaligus
berani menanggung risiko atas saham yang dimiliki.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Modal saham adalah unit kepemilikan dalam sebuah perusahaan, sebagai
bukti kepemilikan atas saham, perseroan terbatas menerbitkan sertifikat
sahamnya. Saham yang dikeluarkan perusahaan merupakan bukti pembayaran pemegang
saham kedalam perusahaan. Jumlah yang terakumulasi dalam perusahaan dinamakan
dengan nama modal saham. Perwakilan kepemilikan seseorang didalam suatu
perseroan terbatas tercermin dalam sedikit banyaknya lembar saham yang dimiliki.
Semakin banyak lembar saham yang dimiliki akan semakin besar derajat
kepemilikannya. <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span style="background: white; color: black; font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 10.5pt; mso-color-alt: windowtext;">Dividen adalah pembagian laba perusahaan kepada
pemegang saham berdasarkan banyaknya jumlah saham yang dimiliki.</span><span style="background: white; color: black; font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-size: 10.5pt; mso-color-alt: windowtext;"> </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Dividen yang
dibagikan perusahaan ada 2 macam yaitu dividen tunai dan dividen saham. Dividen
tunai merupakan dividen yang berikan kepada setiap investor berupa uang tunai
dalam jumlah rupiah tertentu untuk setiap lembar saham yang dimiliki. Sedangkan
dividen saham merupakan dividen yang diberikan kepada setiap pemegang saham
berupa sejumlah saham dengan rasio (dividen saham : saham yang dimiliki
investor), misalnya diberikan 1 lembar dividen saham untuk setiap 1 lembar
saham yang dimiliki investor) sehingga jumlah saham yang dimiliki seorang
pemodal akan bertambah dengan adanya pembagian dividen saham tersebut.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><i><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Capital Gain</span></i><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;"> merupakan selisih antara harga beli dan harga jual
yang dimana harga jual lebih tinggi daripada harga beli (untung). <i>Capital
gain</i> terjadi di perdagangan saham di pasar sekunder. Umumnya pemodal dengan
orientasi jangka pendek mengejar keuntungan melalui <i>capital gain</i>.
Misalnya seorang pemodal membeli saham pada pagi hari dan kemudian menjualnya
lagi pada siang hari jika saham mengalami kenaikan.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt;">Capital Loss</span></i><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt;"> </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">merupakan kondisi dimana seorang investor yang
mengalami kerugian dikarenakan menjual saham dengan harga lebih rendah
dibanding dengan harga beli. Hal yang dilakukan investor ini dilakukan untuk
mencegah potensi kerugian yang semakin besar seiring dengan adanya penurunan
harga sahan (<i>cut loss</i>)</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt;">.</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 14.0pt; line-height: 200%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Saham memberikan peluang
keuntungan dan potensi resiko yang tinggi. Saham memungkinkan investor untuk
mendapatkan imbalan hasil atau capital gain yang besar dalam waktu singkat.
Namun seiring berfluktuasinya harga saham, maka saham juga dapat membuat
investor mengalami kerugian besar dalam waktu singkat. Pembentukan harga saham
terjadi karena adanya mekanisme pasar atau mekanisme perdagangan.<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;"><br /></span></p><p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Sumber: Berbagai sumber.</span></p><p class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify; text-indent: .25in;"><span style="font-family: Times New Roman, serif;">Untuk sumber yang baik maka sebaiknya cek jurnal terakreditasi. Tks</span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-30623841257567495792022-10-26T06:29:00.002-07:002022-10-26T06:37:29.942-07:00Pola Komunikasi Organisasi<p> </p><p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span>Pola komunikasi organisasi adalah proses
pengiriman dan penerimaan informasi dengan cara yang tepat agar makna dari
pesan dapat dipahami <w:sdt citation="t" id="-1761681811"><!--[if supportFields]><span
style='mso-element:field-begin'></span><span lang=EN-US style='mso-ansi-language:
EN-US'><span style='mso-spacerun:yes'> </span>CITATION Pan15 \l 1033 </span><span
style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">(Pangestu, 2015)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt>. Sedangkan, pola
komunikasi dalam sebuah organisasi maupun perusahaan merupakan proses
komunikasi internal antara pimpinan ke karyawan dan komunikasi dari karyawan ke
pimpinan maupun unit kerja yang berada pada tingkat yang sama guna mencapai
tujuan maupun mengkomunikasikan gagasan, ide, pendapat, dan lain sebagainya <w:sdt citation="t" id="515348559"><!--[if supportFields]><span style='mso-element:
field-begin'></span><span lang=EN-US style='mso-ansi-language:EN-US'><span
style='mso-spacerun:yes'> </span>CITATION Fad17 \l 1033 </span><span
style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">(Fadillah, 2017)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;">.</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-fareast-language: IN; mso-no-proof: yes;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span>Dalam sebuah organisasi maupun perusahaan,
terjadi proses pertukaran pesan antar anggota satu sama lain</span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;"> (Harris, 2002)</span><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">. Pertukaran pesan
tersebut terjadi melalui sebuah cara atau pola yang ditetapkan dalam sebuah
organisasi maupun perusahaan. Seperti yang dijelaskan oleh Joseph A. Devito,
terdapat beberapa pola komunikasi yang dapat diterapkan dalam sebuah organisasi
<w:sdt citation="t" id="1614935717"><!--[if supportFields]><span
style='mso-element:field-begin'></span><span lang=EN-US style='mso-ansi-language:
EN-US'><span style='mso-spacerun:yes'> </span>CITATION Dev08 \l 1033 </span><span
style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">(Devito, 2008)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span>Pola komunikasi yang dikenal sebagai pola
roda, dalam pola komunikasi organisasi ini, pimpinan memiliki status yang
jelas. Pada pola komunikasi ini, kekuatan berada pada pimpinan dan seluruh
proses komunikasi bergerak melalui pimpinan. Sehingga seluruh instruksi, fungsi
kepengawasan, dan perintah berpusat pada keputusan pemimpin.<w:sdt citation="t" id="-1142499349"><!--[if supportFields]><span style='mso-element:field-begin'></span><span
lang=EN-US style='mso-ansi-language:EN-US'> CITATION Dev08 \l 1033 </span><span
style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="mso-spacerun: yes;"> </span>(Devito, 2008)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt> Lalu, pola
komunikasi yang selanjutnya adalah lingkaran, organisasi dengan pola komunikasi
ini menjadikan seluruh anggota dalam organisasi dapat berkomunikasi dan
berinteraksi satu sama lain dengan mudah. Dengan pola komunikasi ini,
komunikasi terjadi secara dua arah dan masing-masing individu tidak
mengutamakan dominasi tunggal serta tidak menekan anggota organisasi lain
dengan ide, pendapat, dan gagasan yang berbeda. Dalam pola lingkaran,
komunikasi antara anggota dengan tingkat yang lebih rendah ke tingkat yang
lebih tinggi tidak dibatasi atau disambungkan melalui hirarki lain, sehingga
komunikasi terjadi secara langsung<w:sdt citation="t" id="-1163859822"><!--[if supportFields]><span
style='mso-element:field-begin'></span><span lang=EN-US style='mso-ansi-language:
EN-US'> CITATION Dev08 \l 1033 </span><span style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="mso-spacerun: yes;"> </span>(Devito, 2008)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span>Pola komunikasi yang ketiga adalah pola bintang,
organisasi maupun perusahaan dengan pola ini membuat seluruh anggota memiliki
kekuatan untuk memengaruhi anggota lainnya maupun berkolaborasi. Pola bintang
menciptakan komunikasi dengan partisipasi aktif dari setiap anggota organisasi
baik pemimpin maupun karyawan dengan proses timbal balik guna mencapai tujuan
bersama<w:sdt citation="t" id="-1210648683"><!--[if supportFields]><span
style='mso-element:field-begin'></span><span lang=EN-US style='mso-ansi-language:
EN-US'> CITATION Dev08 \l 1033 </span><span style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="mso-spacerun: yes;"> </span>(Devito, 2008)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span>Pola komunikasi yang terakhir adalah pola rantai
yang di dalamnya terdapat hirarki antara pemimpin dan anggota, pola ini dikenal
sebagai sistem komunikasi <i>upward</i> dan<i> downward</i> secara langsung.
Pola rantai dikenal sebagai pola yang hampir menyerupai pola lingkaran namun
unit di antara pemimpin dan karyawan cenderung lebih dominan dalam proses
komunikasi <w:sdt citation="t" id="-193698654"><!--[if supportFields]><span
style='mso-element:field-begin'></span><span lang=EN-US style='mso-ansi-language:
EN-US'><span style='mso-spacerun:yes'> </span>CITATION Dev08 \l 1033 </span><span
style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">(Devito, 2008)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt><o:p></o:p></span></p><p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><w:sdt citation="t"><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;"><br /></span></w:sdt></span></p><p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><w:sdt citation="t"><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;"><br /></span></w:sdt></span></p><p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><w:sdt citation="t"><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">Sumber: Berbagai sumber</span></w:sdt></span></p><p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><w:sdt citation="t"><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">Agar data lebih baik maka silahkan mengecek sumber dari jurnal terakreditasi yaa</span></w:sdt></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-37775852440159772832022-10-26T06:23:00.003-07:002022-10-26T06:37:49.569-07:00Proses Komunikasi<p> </p><p class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Dalam prosesnya, dijelaskan oleh Ruslan bahwa
komunikasi memiliki dua tahap, yaitu proses komunikasi secara primer dan
sekunder; <w:sdt citation="t" id="671604435"><!--[if supportFields]><span
style='mso-element:field-begin'></span><span lang=EN-US style='mso-ansi-language:
EN-US'><span style='mso-spacerun:yes'> </span>CITATION Har13 \l 1033 </span><span
style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">(Hartati, 2013)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;">.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -21.3pt;"><!--[if !supportLists]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Proses
Komunikasi Secara Primer <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Merupakan
sebuah kegiatan penyampaian pikiran atau perasaan seorang individu kepada
individu lain dengan menggunakan simbol. Dalam hal ini, simbol merupakan media
primer dalam proses komunikasi adalah berupa gambar, isyarat, bahasa, dan
sebagainya yang dapat menggambarkan pikiran maupun perasaan antar individu.
Seorang komunikator melakukan <i>encoding</i> yaitu informasi yang hendak
disampaikan kepada komunikan dengan menggunakan simbol yang diharapkan dapat
dimengerti oleh komunikan, kemudian komunikan tersebut akan melakukan <i>decoding</i>
dimana informasi tersebut yang berupa simbol akan ditafsirkan. Setelah itu,
komunikan akan memberikan <i>response </i>terhadap informasi tersebut, dan
komunikan akan melakukan <i>feedback</i> baik positif maupun negatif <w:sdt citation="t" id="-1435358972"><!--[if supportFields]><span style='mso-element:
field-begin'></span><span lang=EN-US style='mso-ansi-language:EN-US'><span
style='mso-spacerun:yes'> </span>CITATION Har13 \l 1033 </span><span
style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">(Hartati, 2013)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;">.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">2.
Proses Komunikasi Secara Sekunder <o:p></o:p></span></p>
<p class="MsoListParagraph" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Merupakan tahap
selanjutnya dari proses komunikasi secara primer. Dalam tahap ini, terdapat
sarana sebagai media kedua setelah simbol pada komunikasi primer. Penggunaan
sarana dalam proses komunikasi sekunder bertujuan untuk mendukung proses
komunikasi dimana jumlah komunikan cenderung berjumlah banyak (massa) dan
berada di lain tempat. Contoh dari sarana tersebut adalah media massa seperti
surat kabar, radio, televisi, majalah, dan sebagainya. Namun, komunikasi
sekunder tersebut memiliki kekurangan seperti kemungkinan terjadinya sasaran
komunikasi yang tidak tepat dan <i>feedback</i> yang terlambat <w:sdt citation="t" id="314375756"><!--[if supportFields]><span style='mso-element:
field-begin'></span><span lang=EN-US style='mso-ansi-language:EN-US'><span
style='mso-spacerun:yes'> </span>CITATION Har13 \l 1033 </span><span
style='mso-element:field-separator'></span><![endif]--><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">(Hartati, 2013)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt></span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;">.<o:p></o:p></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-71907558333849588642022-10-26T06:22:00.005-07:002022-10-26T06:38:19.566-07:00Fungsi Komunikasi<p></p><p class="MsoListParagraph" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"></p><p class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"></p><p class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Dalam komunikasi sendiri,
peneliti menemukan beberapa penjelasan mengenai komunikasi dari para ahli,
salah satu penjelasan fungsi komunikasi yang peneliti dapatkan adalah menurut
William I Gorden dalam <w:sdt citation="t" id="929315126"><span lang="EN-US" style="mso-ansi-language: EN-US; mso-no-proof: yes;">Mulyana & Solatun (2008)</span><!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--></w:sdt> komunikasi memiliki
empat fungsi sebagai berikut;<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><o:p> </o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -21.3pt;"><!--[if !supportLists]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Fungsi
Sosial<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Dilihat
dari segi fungsinya terhadap komunikasi sosial, menunjukkan bahwa komunikasi
dalam kehidupan sosial diperlukan guna menciptakan konsep diri, mewujudkan <i>ideal-self</i>,
untuk mendapatkan kepuasan serta mengurangi tekanan dengan cara melakukan
komunikasi yang tepat dalam berhubungan dengan orang lain. Individu yang
cenderung menghindari kehidupan sosial dan komunikasi dengan orang lain dapat
merasa kebingungan mengenai dirinya sendiri dan posisinya di dalam ruang
lingkup sosial karena tidak terbiasa untuk melakukan interaksi dengan orang di
sekitarnya. Fungsi sosial komunikasi ini berkaitan dengan kultural dari para
pelaku komunikasi karena dapat berdampat terhadap budaya, pandangan, dan konsep
diri dari individu tersebut. Sehingga dapat dikatakan bahwa sosial dan
komunikasi itu memiliki hubungan timbal balik.. <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -21.3pt;"><!--[if !supportLists]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Fungsi
Ekspresif <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Komunikasi
dalam hal ini bukan hanya sebagai bagian dari proses interaksi terhadap orang
lain dalam menyampaikan pesan, ide, gagasan, informasi, maupun memengaruhi
orang lain. Namun, komunikasi dalam hal ini berkaitan erat dengan menunjukkan
perasaan seorang individu maupun kelompok berupa empati, emosi, kegembiraan,
kerinduan, kepedulian, benci, amarah, dan lain sebagainya. Hal tersebut
cenderung ditampilkan melalui pesan non-verbal<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -21.3pt;"><!--[if !supportLists]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Fungsi
Ritual <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Fungsi
komunikasi sebagai aspek ritual bertujuan untuk menghargai, mengapresiasi, dan
melestarikan tradisi/warisan dari suatu komunitas, suku, kepercayaan, bangsa,
dan agama dari seorang individu. Hal ini diwujudkan oleh seorang individu
dengan menunjukkan sikap, perkataan yang dapat membuat pelaku budaya tersebut
merasa nyaman dan aman. Fungsi ritual ini dapat berupa komunikasi verbal maupun
non-verbal<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -21.3pt;"><!--[if !supportLists]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Fungsi
Instrumental <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Dilihat dari fungsi instrumental, komunikasi berperan
sebagai cara, sarana atau alat untuk mewujudkan beberapa tujuan, misalnya
seperti; menginformasikan, memengaruhi orang lain, mendorong, mengajarkan,
merubah sikap, merubah keyakinan seseorang atau komunitas tertentu, mengarahkan
tindakan orang lain. Sehingga dapat disimpulkan bahwa komunikasi yang berfungsi
sebagai instrumen dapat bersifat persuasif (mengajak orang lain untuk
mewujudkan perilaku, pandangan, dan tujuan tertentu). Dalam hal ini, persuasif
dalam komunikasi berusaha untuk meyakinkan komunikan bahwa informasi yang
disampaikan oleh komunikator tersebut adalah sebuah kebenaran. Fungsi
komunikasi sebagai instrumen ini sering digunakan oleh individu maupun kelompok
tertentu untuk mewujudkan tujuan pribadi dan tujuan kelompok (memengaruhi
pengikut)<o:p></o:p></span></p><p class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><br /></span></p><p class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 21.3pt;"><b>Sumber: Berbagai sumber</b></p><br /><p></p><p></p><p></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-18089254059476823702022-08-15T05:50:00.003-07:002022-08-15T05:50:57.358-07:00Contoh Judul Skripsi + Sinopsisnya<p> </p><p align="center" class="MsoNormal" style="text-align: center;"><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-size: 14.0pt; mso-ansi-language: IN;">Pengaruh
Kinerja Keuangan Terhadap Opini Going Concern Perusahaan Sub Sektor <i style="mso-bidi-font-style: normal;">Food and Beverages<o:p></o:p></i></span></b></p>
<p align="center" class="MsoNormal" style="text-align: center;"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-size: 14.0pt; mso-ansi-language: IN;"><span style="mso-spacerun: yes;"> </span></span></i></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-size: 14.0pt; mso-ansi-language: IN;">(Studi Pada Indonesia Stock Exchange Tahun 20XX-20XX)<o:p></o:p></span></b></p>
<p align="center" class="MsoNormal" style="text-align: center;"><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-size: 14.0pt; mso-ansi-language: IN;">Oleh<o:p></o:p></span></b></p>
<p align="center" class="MsoNormal" style="text-align: center;"><span style="color: red;"><span style="font-size: 18.6667px;"><b>...............</b></span></span></p>
<p class="MsoNormal" style="text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;"><o:p> </o:p></span></p>
<p class="MsoListParagraph" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -14.2pt;"><!--[if !supportLists]--><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="mso-ansi-language: IN;"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="mso-ansi-language: IN;">Latar Belakang<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Perusahaan berdiri dengan tujuan agar
dapat mempertahankan kelangsungan hidup usahanya atau dapat disebut sebagai <i style="mso-bidi-font-style: normal;">going concern. </i>Perusahaan yang merupakan
suatu entitas ekonomi dan terpisah dari pemiliknya akan terus beroperasi secara
berkesinambungan melebihi satu periode akuntansi.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn1" name="_ftnref1" style="mso-footnote-id: ftn1;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></span></a><span style="mso-spacerun: yes;"> </span>Kelangsungan hidup perusahaan akan mampu
dilihat dari laporan keuangan mengingat penyusunannya berdasarkan kelangsungan
usaha, kecuali manajemen perusahaan memiliki intensi dalam melikuidasi atau
menghentikan perdagangan.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn2" name="_ftnref2" style="mso-footnote-id: ftn2;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></span></a> Artinya, hal tersebut
merupakan asumsi dasar yang digunakan dalam penyusunan laporan keuangan suatu
entittas sehingga ketika mengalami kondisi yang berlawanan maka entitas
tersebut menjadi bermasalah.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 28.35pt;"><i style="mso-bidi-font-style: normal;"><span lang="IN" style="mso-ansi-language: IN;">Going
concern </span></i><span lang="IN" style="mso-ansi-language: IN;">merupkaan
kuntinuitas akuntansi yang mampu memprediksi suatu bisnis akan terus berlanjut
dalam waktu tidak terbatas. Asumsi <i style="mso-bidi-font-style: normal;">going
concern </i>menunjukkan jika suatu badan usaha atau perusahaan dianggap mampu
mempertahankan kegiatan usahanya untuk waktu yang panjang dan tidak mengalami
kondisi likudasi dalam jangka pendek.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn3" name="_ftnref3" style="mso-footnote-id: ftn3;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Secara global, banyak kasus menipulasi
laporan keuangan sehingga menyebabkan <i style="mso-bidi-font-style: normal;">American
Institute of Certified Public Accountants </i>(AICPA) mensyaratkan auditor
harus memberikan pernyataan apakah perusahaan yang diaudit mampu bertahan
minimal satu tahun ke depannya setelah tanggal pelaporan. Walaupun kenyataannya
auditor tidak memiliki tanggungjawab terhadap jalannya perusahaan dimasa yang
akan datang, pemberian pernyataan <i style="mso-bidi-font-style: normal;">going
concern </i>sangat bermanfaat bagi pemakai laporan keuangan terutama untuk
pengambilan keputusan. Investor cenderung akan lebih tertarik ketika perusahaan
tersebut memperoleh opini <i style="mso-bidi-font-style: normal;">going concern </i>dari
auditor. Hal ini dikarenakan opini tersebut akan memberikan kepercayaan kepada
investor atas investasi yang akan dilakukannya.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn4" name="_ftnref4" style="mso-footnote-id: ftn4;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></span></a> <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Ketika perusahaan mengalami <i style="mso-bidi-font-style: normal;">financial distress</i> atau permasalahan
keuangan maka secara otomatis kegiatan keuangan perusahaan akan terganggu.
Keadaan tersebut akan berdampak pada tingginya risiko yang dihadapi perusahaan
terutama dalam mempertahankan kelangsungan hidupnya dimasa yang akan datang
sehingga akan mempengaruhi opini audit yang akan diberikan oleh auditor serta
keberadaan investor itu sendiri.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Opini audit berfungsi dalam memberikan
kontribusi untuk pengambilan keputusan bagi para pihak yang berkepentingan.
Laporan auditor indepenten yang memuat opini atas laporan keuangan perusahaan
akan digunakan sebagai suatu bahan pertimbangan bagi investor untuk menentukan
apakah harus berinvestasi dan berapa banyak investasi yang akan dilakukan.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn5" name="_ftnref5" style="mso-footnote-id: ftn5;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[5]</span></span><!--[endif]--></span></span></a> Investor tentu
mengharapkan sesuatu yang akan menguntungkan sehingga, opini dari auditor
sangat penting dalam hal penentuan tersebut sehingga auditor sangat diandalkan
dalam memberikan informasi relevan.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Hal yang sering dihadapi oleh auditor
dalam memberikan opini <i style="mso-bidi-font-style: normal;">going concern </i>bahwa
sangat sulit dalam memprediksi kelangsungan hidup perusahaan. Auditor dalam
melakukan proses audit tidak hanya melihat sebatas pada hal yang ditampilkan
dalam laporan keuangan namun harus memperhatikan eksistensi dan kontinuitas.
Sehingga, auditor harus mempertimbangkan secara cermat adanya gangguan atas
kelangsungan hidup suatu periode sehingga opini yang dihasilkan menjadi sebuah
opini berkualitas.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn6" name="_ftnref6" style="mso-footnote-id: ftn6;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[6]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Salah satu hal yang dianggep
melatarbelakangi <i style="mso-bidi-font-style: normal;">going concern </i>adalah
kinerja keuangan. Dalam penilaian terhadap perusahaan, auditor wajib mencari
banyak informasi termasuk informasi bersifat kuantitatif. Auditor akan
menggunakan rasio keuangan seperti likuiditas, solvabilitas, dan
profitabilitas.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn7" name="_ftnref7" style="mso-footnote-id: ftn7;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[7]</span></span><!--[endif]--></span></span></a>
Kinerja keuangan dalam hal ini adalah likuiditas atas proksi rasio lancar,
profitabilitas atas proksi pengembalian aset, dan solvabilitas atas proksi
utang terhadap total aset. Likuiditas sendiri merupakan modal kerja atau sebuah
rasio yang dipergunakan untuk menghitung likuiditasnya perusahaan dengan cara
membandingkan pembelanjaan lancar dengan pasiva lancar. Kemudian,
profitabilitas sendiri yang merupakan suatu usaha perusahaan dalam mendapatkan
laba sedangkan solvabilitas merupakan rasio untuk menghitung kegiatan
perusahaan yang dibiayai dengan hutang.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn8" name="_ftnref8" style="mso-footnote-id: ftn8;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[8]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;"><span style="mso-spacerun: yes;"> </span>Melihat
pentingnya memperoleh pernyataan <i style="mso-bidi-font-style: normal;">going
concern </i>bagi perusahaan maka membuat peneliti tertarik untuk melihat
bagaimana pengaruh kinerja keuangan dengan <i style="mso-bidi-font-style: normal;">opini
going concern </i>perusahaan. Namun, penelitian yang akan dilakukan terfokus
pada perusahaan <i style="mso-bidi-font-style: normal;">foof and beverages</i>.
Perusahaan yang bergerak di sektor makanan dan minuman terus berkembang dari
waktu ke waktu, namun pada tahun 20xx, terdapat perusahaan yang terancam di
keluarkan atau <i style="mso-bidi-font-style: normal;">delisting </i>dari bursa
yaitu XXXXXX telah dihentikan perdagangannya pada bursa efek. xxx telah mengalami
berbagai masalah seperti penundaan kewajiban membayar hutang atas bunga
obligasi dan sukuk ijarah, kemudian terjadinya dualisme kepemimpinan, adanya
penggelembungan dana xxx rupiah (piutang usaha, persediaan, dan aset
tetap) pada laporan keuangan tahun 20XX, penggelembungan dana XX pada
penjualan, dan XX rupiah pada EBITA serta berbagai masalah lain. Kemudian
beberapa perusahaan lainnya yang bergerak dibidang yang sama, beberapa
perusahaan mengalami penurunan pada rasio keuangan perusahaan.<a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftn9" name="_ftnref9" style="mso-footnote-id: ftn9;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[9]</span></span><!--[endif]--></span></span></a> Keadaan demikian membuat
peneliti tertarik untuk melakukan penelitian pada perusahaan <i style="mso-bidi-font-style: normal;">Foof and Beverages </i>yang terdaftar pada
Indonesia Stock Exchange. <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="mso-ansi-language: IN;"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="mso-ansi-language: IN;">Rumusan Masalah<o:p></o:p></span></b></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 21.3pt; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="mso-ansi-language: IN;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="IN" style="mso-ansi-language: IN;">Bagaimana pengaruh kinerja keuangan
(likuiditas) terhadap <i style="mso-bidi-font-style: normal;">opini going concern
</i>perusahaan sub sektor <i style="mso-bidi-font-style: normal;">food and
beverages </i>(studi pada Indonesia Stock Exchange Tahun 20XX-20XX)?<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 21.3pt; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="mso-ansi-language: IN;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="IN" style="mso-ansi-language: IN;">Bagaimana pengaruh kinerja keuangan
(profitabilitas) terhadap <i style="mso-bidi-font-style: normal;">opini going
concern </i>perusahaan sub sektor <i style="mso-bidi-font-style: normal;">food
and beverages </i>(studi pada Indonesia Stock Exchange Tahun 20XX-20XX)?<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: 6.0pt; margin-left: 21.3pt; margin-right: 0in; margin-top: 6.0pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN" style="mso-ansi-language: IN;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span lang="IN" style="mso-ansi-language: IN;">Bagaimana pengaruh kinerja keuangan
(solvabilitas) terhadap <i style="mso-bidi-font-style: normal;">opini going
concern </i>perusahaan sub sektor <i style="mso-bidi-font-style: normal;">food
and beverages </i>(studi pada Indonesia Stock Exchange Tahun 20XX-20XX)?<o:p></o:p></span></p>
<p class="MsoNormal" style="text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;"><o:p> </o:p></span></p>
<div style="mso-element: footnote-list;"><!--[if !supportFootnotes]--><br clear="all" />
<hr align="left" size="1" width="33%" />
<!--[endif]-->
<div id="ftn1" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftnref1" name="_ftn1" style="mso-footnote-id: ftn1;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Mei Uli
Angrijani dan Rakaria, <i style="mso-bidi-font-style: normal;">Pengaruh Kinerja
Keuangan Terhadap Opini Going Concern Pada Bank Umum Syariah Yang Terdaftar di
Bursa Efek Indonesia </i>(Jurnal Future Vol. 1 No.1), Pp.251-266<o:p></o:p></span></p>
</div>
<div id="ftn2" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><span style="font-size: 13.3333px;">{2}</span><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Standar
Akuntansi Keuangan 2015<o:p></o:p></span></p>
</div>
<div id="ftn3" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftnref3" name="_ftn3" style="mso-footnote-id: ftn3;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Hani, Clearly,
dan Muklasin, <i style="mso-bidi-font-style: normal;">Going Concern dan Opini
Audit: Suatu Study Pada Perusahaan Perbankan di BEJ </i>(Prosiding Simposium
Nasional Akuntansi VI, Surabaya, 2003)<o:p></o:p></span></p>
</div>
<div id="ftn4" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftnref4" name="_ftn4" style="mso-footnote-id: ftn4;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Suriani
Ginting dan Anita Tarihoran, <i style="mso-bidi-font-style: normal;">Faktor-faktor
Yang Mempengaruhi Pernyataan Going Concern </i>(Jurnal Wira Eknomi Mikroskill
Volume 7 Nomor 1 April 2017), Pp.9-20<o:p></o:p></span></p>
</div>
<div id="ftn5" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftnref5" name="_ftn5" style="mso-footnote-id: ftn5;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[5]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Ibid<o:p></o:p></span></i></p>
</div>
<div id="ftn6" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftnref6" name="_ftn6" style="mso-footnote-id: ftn6;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[6]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Ibid<o:p></o:p></span></i></p>
</div>
<div id="ftn7" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftnref7" name="_ftn7" style="mso-footnote-id: ftn7;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[7]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Julian
Maradina, <i style="mso-bidi-font-style: normal;">Pengaruh Kinerja Keuangan
Perusahaan Terhadap Opini Going Concern : Studi Empiris pada Perusahaan
Manufaktur Yang Terdaftar di BEI Tahun 2015-2017</i> (Jurnal Ilmiah Akuntansi
Universitas Pamulang Volume 7 Nomor 1, Januari 2019), Pp.15-25<o:p></o:p></span></p>
</div>
<div id="ftn8" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftnref8" name="_ftn8" style="mso-footnote-id: ftn8;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[8]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Kasmir, <i style="mso-bidi-font-style: normal;">Analisis Laporan Keuangan </i>(Jakarta: PT.
Raja Grafindo Persada, 2015)<o:p></o:p></span></p>
</div>
<div id="ftn9" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Sinopsis%20Tak%20Terpakai/Pengaruh%20Kinerja%20Keuangan%20Terhadap%20Opini%20Going%20Concern%20Perusahaan.docx#_ftnref9" name="_ftn9" style="mso-footnote-id: ftn9;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[9]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Katadata 2020<o:p></o:p></span></p>
</div>
</div>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-77501862502912408322022-08-15T05:38:00.000-07:002022-08-15T05:38:11.030-07:00Kesejahteraan Subjektif<p>Sumber: berbagai sumber (silahkan dicek ulang yaa untuk meminimalisir)</p><p><br /></p><h3 style="line-height: 200%; margin-left: .5in; mso-list: l0 level1 lfo3; text-indent: -.25in;"><a name="_Toc39407644"><!--[if !supportLists]--><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;">Pengertian Kesejahteraan Subjektif</span></a><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></h3>
<p class="MsoNormal" style="line-height: 200%; margin-left: 21.3pt; text-align: justify; text-indent: 32.7pt;"><!--[if supportFields]><span style='font-size:12.0pt;
line-height:200%;font-family:"Times New Roman",serif'><span style='mso-element:
field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "DOI" : "10.1093/oxfordhb/9780195187243.013.0017",
"abstract" : "This chapter reviews the scientific research on
subjective well-being. Subjective well-being consists of a person's cognitive
and affective evaluations of his or her life. First, the authors will provide a
brief historical review of research on subjective well-being. Second, they will
summarize the main measurement issues (e.g., the validity of self-reports,
memory bias). Third, they will present the major theoretical approaches to this
area of research (e.g., need and goal satisfaction theories, process or
activity theories, genetic and personality predisposition theories). Finally,
the authors will review current findings (e.g., hedonic adaptation, the effect
of intervention, cultural variation) and suggest future directions for the
study of subjective well-being.", "author" : [ {
"dropping-particle" : "", "family" :
"Diener", "given" : "Ed",
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false, "suffix" : "" }, { "dropping-particle" :
"", "family" : "Lucas", "given" :
"Richard E.", "non-dropping-particle" : "",
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"dropping-particle" : "", "family" : "Oishi",
"given" : "Shigehiro", "non-dropping-particle" :
"", "parse-names" : false, "suffix" :
"" } ], "container-title" : "The Science of Happiness
and Life Satisfaction", "id" : "ITEM-1",
"issued" : { "date-parts" : [ [ "2000" ] ] },
"page" : "63-73", "title" : "Diener-Subjective_Well-Being.pdf",
"type" : "article" }, "uris" : [
"http://www.mendeley.com/documents/?uuid=2573fb5b-b474-4229-94fa-0b3422b54714"
] } ], "mendeley" : { "formattedCitation" : "(Diener
et al., 2000)", "manualFormatting" : "Diener et al.,
(2000)", "plainTextFormattedCitation" : "(Diener et al.,
2000)", "previouslyFormattedCitation" : "(Diener et al.,
2000)" }, "properties" : {<span style='mso-spacerun:yes'>
</span>}, "schema" :
"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">Diener et al., (2000)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif'><span
style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">, mengatakan kesejahteraan
subjektif adalah konsep yang cukup luas dalam mencakup sebuah pengalaman emosi
yang menyenangkan serta rendahnya tingkat mood yang negative dan kepuasan hidup
yang tinggi. Kesejahteraan subjektif mengacu pada semua jenis evaluasi, baik
positif maupun negatif, yang dibuat orang dari kehidupan mereka. Ini termasuk
evaluasi kognitif reflektif, seperti kepuasan hidup dan kepuasan kerja, minat
dan keterlibatan, dan reaksi afektif terhadap peristiwa kehidupan, seperti
sukacita dan kesedihan.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: 21.3pt; text-align: justify; text-indent: 32.7pt;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">Wilson </span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif'><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "DOI" :
"10.1007/978-94-007-0753-5", "ISBN" :
"9789400707535", "ISSN" : "08203946",
"author" : [ { "dropping-particle" : "",
"family" : "Proctor", "given" : "Carmel
L", "non-dropping-particle" : "",
"parse-names" : false, "suffix" : "" } ],
"container-title" : "University Of Lelcester",
"id" : "ITEM-1", "issued" : {
"date-parts" : [ [ "2014" ] ] }, "title" :
"Subjective well-being", "type" :
"article-journal" }, "uris" : [
"http://www.mendeley.com/documents/?uuid=d2d4f022-ed13-4a4b-8c0a-708195695ae0"
] } ], "mendeley" : { "formattedCitation" : "(Proctor,
2014)", "manualFormatting" : "(dalam Proctor, 2014)",
"plainTextFormattedCitation" : "(Proctor, 2014)",
"previouslyFormattedCitation" : "(Proctor, 2014)" },
"properties" : {<span style='mso-spacerun:yes'> </span>},
"schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">(dalam Proctor, 2014)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif'><span
style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;"> mengatakan
investigasi kesejahteraan subjektif yang mempunyai efek dan pengaruh bagaimana
individu memandang kehidupan mereka dilingkungan sekitarnya. Kesejahteraan
subjektif merupakan adanya kategori fenomena yang luas dan mencakup respons
emosional seseorang, kepuasan domain, dan penilaian terhadap kepuasa hidup </span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif'><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "DOI" : "10.1006/pupt.1998.0157",
"ISSN" : "10945539", "abstract" : "W.
Wilson's (1967) review of the area of subjective well-being (SWB) advanced
several conclusions regarding those who report high levels of
\"happiness.\" A number of his conclusions have been overturned:
youth and modest aspirations no longer are seen as prerequisites of SWB. E.
Diener's (1984) review placed greater emphasis on theories that stressed
psychological factors. In the current article, the authors review current
evidence for Wilson's conclusions and discuss modern theories of SWB that
stress dispositional influences, adaptation, goals, and coping strategies. The
next steps in the evolution of the field are to comprehend the interaction of
psychological factors with life circumstances in producing SWB, to understand the
causal pathways leading to happiness, understand the processes underlying
adaptation to events, and develop theories that explain why certain variables
differentially influence the different components of SWB (life satisfaction,
pleasant affect, and unpleasant affect).", "author" : [ {
"dropping-particle" : "", "family" : "Ed
Diener, Eunkook M. Suh, Richard E. Lucas", "given" : "and
Heidi L. Smith", "non-dropping-particle" : "",
"parse-names" : false, "suffix" : "" } ],
"container-title" : "American Psychological Association,
Inc", "id" : "ITEM-1", "issued" : {
"date-parts" : [ [ "1999" ] ] }, "page" :
"276-302", "title" : "Subjective Weil-Being: Three
Decades of Progress", "type" : "article-journal",
"volume" : "125" }, "uris" : [
"http://www.mendeley.com/documents/?uuid=15ea5f70-d65c-4047-826e-e5fd37bfca39"
] } ], "mendeley" : { "formattedCitation" : "(Ed
Diener, Eunkook M. Suh, Richard E. Lucas, 1999)",
"plainTextFormattedCitation" : "(Ed Diener, Eunkook M. Suh,
Richard E. Lucas, 1999)", "previouslyFormattedCitation" :
"(Ed Diener, Eunkook M. Suh, Richard E. Lucas, 1999)" },
"properties" : {<span style='mso-spacerun:yes'> </span>},
"schema" :
"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">(Ed Diener, Eunkook M. Suh, Richard E. Lucas, 1999)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif'><span
style='mso-element:field-end'></span></span><![endif]-->.<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-left: 21.3pt; text-align: justify; text-indent: 32.7pt;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">Berdasarkan pengertian diatas maka dapat
disimpulkan bahwa kesejahteraan subjektif adalah pengalaman sadar tentang
bagaimana kita dalam merasakan dan mengalami kehidupan sehari-hari yang
mencakup respon emosional dan penilaian kita terhadap kepuasan hidup </span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif'><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "author" : [ { "dropping-particle"
: "", "family" : "Diener", "given" :
"Ed", "non-dropping-particle" : "",
"parse-names" : false, "suffix" : "" } ],
"id" : "ITEM-1", "issue" : "3",
"issued" : { "date-parts" : [ [ "1984" ] ] },
"page" : "542-575", "title" : "Subjective
Well-Being", "type" : "article-journal",
"volume" : "95" }, "uris" : [
"http://www.mendeley.com/documents/?uuid=f2540aa2-2822-4492-802e-ba86b30058e4"
] } ], "mendeley" : { "formattedCitation" : "(Diener,
1984a)", "manualFormatting" : "(Diener, 1984)",
"plainTextFormattedCitation" : "(Diener, 1984a)",
"previouslyFormattedCitation" : "(Diener, 1984a)" }, "properties"
: {<span style='mso-spacerun:yes'> </span>}, "schema" :
"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">(Diener, 1984)</span><!--[if supportFields]><span
style='font-size:12.0pt;line-height:200%;font-family:"Times New Roman",serif'><span
style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">.<o:p></o:p></span></p>
<h3 style="line-height: 200%; margin-left: .5in; mso-list: l0 level1 lfo3; text-indent: -.25in;"><a name="_Toc39407645"><!--[if !supportLists]--><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;">Aspek Kesejahteraan Subjektif</span></a><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></h3>
<p style="line-height: 200%; margin: 0in; mso-add-space: auto; text-align: justify; text-indent: 14.15pt;"><!--[if supportFields]><span style='mso-element:field-begin;
mso-field-lock:yes'></span>ADDIN CSL_CITATION { "citationItems" : [ {
"id" : "ITEM-1", "itemData" : {
"author" : [ { "dropping-particle" : "",
"family" : "Diener", "given" : "Ed", "non-dropping-particle"
: "", "parse-names" : false, "suffix" :
"" }, { "dropping-particle" : "",
"family" : "Ryan", "given" :
"Katherine", "non-dropping-particle" : "",
"parse-names" : false, "suffix" : "" } ],
"id" : "ITEM-1", "issue" : "4",
"issued" : { "date-parts" : [ [ "2009" ] ] },
"page" : "391-406", "title" : "Subjective
well-being : a general overview", "type" :
"article-journal", "volume" : "39" },
"uris" : [
"http://www.mendeley.com/documents/?uuid=3aca2173-14aa-48f2-b70b-626b336439ce"
] } ], "mendeley" : { "formattedCitation" : "(Diener
& Ryan, 2009)", "manualFormatting" : "Diener & Ryan
(2009)", "plainTextFormattedCitation" : "(Diener &
Ryan, 2009)", "previouslyFormattedCitation" : "(Diener
& Ryan, 2009)" }, "properties" : {<span
style='mso-spacerun:yes'> </span>}, "schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span><![endif]-->Diener & Ryan (2009)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--> mengemukakan aspek-aspek
Kesejahteraan subjektif yaitu: <o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: 32.15pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l3 level1 lfo4; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->1.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Kepuasan
Hidup (life Statisfaction)<o:p></o:p></p>
<p style="line-height: 200%; margin: 0in; mso-add-space: auto; text-align: justify; text-indent: 32.15pt;">Kepuasan hidupmerupakan evaluasi terhadap kepuasan hidup secara
global, individu melakukan penilaian terhadap kehidupan secara menyeluruh. Kepuasan
hidup ini mencakup area kepuasan/domain satisfaction individu diberbagai bidang
kehidupannya.<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: 32.15pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l3 level1 lfo4; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->2.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Afek
Positif (Possitif Affect)<o:p></o:p></p>
<p style="line-height: 200%; margin: 0in; mso-add-space: auto; text-align: justify; text-indent: 32.15pt;">Afek Positif merupakan perasaan emosi yang menyenangkan,
seperti suasana hati yang menyenangkan<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: 32.15pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l3 level1 lfo4; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->3.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Afek
Negatif (Negative Affect)<o:p></o:p></p>
<p style="line-height: 200%; margin: 0in; mso-add-space: auto; text-align: justify; text-indent: 32.15pt;">Afek Negatif merupakan emosi yang tidak menyenangkan, seperti
marah, sedih, cemas dan khawatir.<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: .5in;"><o:p> </o:p></p>
<h3 style="line-height: 200%; margin-left: .5in; mso-list: l0 level1 lfo3; text-indent: -.25in;"><a name="_Toc39407646"><!--[if !supportLists]--><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;">Faktor-Faktor yang mempengaruhi kesejahteraan
subjektif</span></a><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></h3>
<p style="line-height: 200%; margin: 0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">Menurut <!--[if supportFields]><span style='mso-element:field-begin;
mso-field-lock:yes'></span>ADDIN CSL_CITATION { "citationItems" : [ {
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}<span style='mso-element:field-separator'></span><![endif]-->Situmorang & Tentama, (2014)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--> ada beberapa factor yang
mempengaruhi kesejahteraan subjektif diantaranya yaitu: </p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->a.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Pendapatan
<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify;">Determinan dari
kebahagian di Indonesia adalah pendapatan, pendidikan, kesehatan dan modal
sosial. Jika makin tinggi pendidikan seseorang maka makin tinggi penerimaan
atau pendapatan yang didapatkan. Apabila pendapatan merupakan unsur penting
dalam penentuan kebahagiaan, maka makin tinggi pendidikan, makin tinggi
pendapatan dan makin tinggi pula kebahagiaan seseorang (<!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
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"itemData" : { "DOI" : "10.24914/jeb.v19i1.485",
"ISSN" : "1979-6471", "abstract" : "<p
align=\"center\"><em>The research objective is to analyse
the determinants of happiness in Indonesia. Using cross-section data from
Indonesia Family Life Survey (IFLS) wave 4, 2007, this study takes 17.650
observations which estimated using Oprobit model. The Oprobit model was chosen
because of ordinaled response variable and the normal assumption in error
distribution. The result shows that happiness in Indonesia positively affected
by income, education level, perceived health status and social capital. But
social capital that connected with religion and ethnic don\u2019t have
significant effect on happiness. All predictors are robust. Demographic
characteristics inform that married people, non household head, live in urban
area, outside of Jawa-Bali islands and Javanese were happier than others. There
is no difference in happiness level between man and woman. Happiness-age relationship
indicated U-shaped curve. Marginal effect shows different effect for every
happiness level due to a unit change in independent
variable.</em></p><p><em><br
/></em></p><p align=\"center\"><strong>Abstrak</strong></p><p
align=\"center\"><strong>\u00a0</strong></p><p>Tujuan
penelitian ini adalah untuk menganalisis faktor-faktor penentu kebahagiaan di
Indonesia. Dengan menggunakan data antar ruang/silang tempat dari Indonesia
Family Life Survey (IFLS) wave 4, 2007, studi ini mengambil 17,650 pengamatan
yang diestimasi menggunakan model Oprobit. Model Oprobit dipilih karena adanya
variabel respon ordinal dan asumsi normal dalam distribusi kesalahan. Hasil
penelitian menunjukkan bahwa kebahagiaan di Indonesia secara positif
dipengaruhi oleh pendapatan, tingkat pendidikan, status kesehatan yang
dirasakan dan modal sosial. Namun demikian, modal sosial yang berkaitan dengan
agama dan etnis tidak memiliki pengaruh yang signifikan terhadap kebahagiaan.
Semua prediktor bersifat robust. Karakteristik demografi menginformasikan bahwa
orang yang menikah, bukan kepala rumah tangga, tinggal di daerah perkotaan,
berada di luar pulau Jawa-Bali dan dari suku Jawa lebih bahagia daripada yang
lain. Riset ini juga menemukan bahwa tidak terdapat perbedaan dalam tingkat kebahagiaan
antara pria dan wanita. Kemudian, hubungan antara kebahagiaan dan usia
menunjukkan kurva yang berbentuk U. Terakhir, efek marjinal menunjukkan efek
yang berbeda untuk setiap tingkat kebahagiaan karena perubahan unit variabel
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/></em></p>", "author" : [ {
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}<span style='mso-element:field-separator'></span><![endif]-->Rahayu, 2016)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]-->.<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->b.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Religiusitas
<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify;"><!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
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course is to provide an understanding of the concept of happiness, entitled
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include the demographic correlates of happiness, associated traits, the effect
of personality and temperament, and theories explaining personality\u2019s influence
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}<span style='mso-element:field-separator'></span><![endif]-->(Eddington & Shuman, 2005)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--> menyatakan banyak penelitian
yang menunjukkan bahwa subjective well-being berkorelasi signifikan dengan
spiritualitas. Hal ini sejalan dengan penelitian <!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "DOI" :
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"2301-5985", "abstract" : "The purpose of this study
was to investigate the relationship between religiosity and social support with
happiness among perpetrators of religious conversion. The data was collected
from 60 participants who had experienced with religious conversion (muallaf) in
Chinese Community. The participants were between 40 and 55 years of age. Data
of this study was analysed by using a multiple regression analysisThe results
of multiple regression analysis showed F = 20,060 with p = 0, 00 (p < 0,
01), it was revealed that religiosity and social support were found to be
highly significant with happiness. Therefore, the result of this study
indicated that hypothesis that there is any relationship between religiosity
and social support with happiness was accepted. The results of partial correlation
analysis were; (1) there was positive correlation between religiosity and
happiness (r partial = 0,473, t = 4,056, with p = 0,000 (p<0,01)). It
means,by increasing the religiosity, the happiness among perpetrators of
religious conversion also will increase and (2) there was no any correlation
between social support and happiness among perpetrators of religious
conversion(r partial = 0,221 t = 1,715,with p = . 0,092 (p>0, 05)).",
"author" : [ { "dropping-particle" : "",
"family" : "Pontoh", "given" :
"Zaenab", "non-dropping-particle" : "",
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"ITEM-1", "issue" : "1", "issued" : {
"date-parts" : [ [ "2015" ] ] }, "page" :
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}<span style='mso-element:field-separator'></span><![endif]-->Pontoh & Farid (2015)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--> bahwa semakin tinggi
religiusitas pada pelaku konversi agama, maka akan semakin tinggi juga
kebahagiannya. <o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->c.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Kebersyukuran
<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify;">Kebersyukuran merupakan
perasaan-perasaan positif seperti rasa senang dan bahagia sebagai respon atas
apa yang telah dialami dalam kehidupan individu (<!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "ISSN" : "15444910",
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"page" : "32", "title" : "Faktor-faktor yang
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perspektif Psikologi Islam", "type" :
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}<span style='mso-element:field-separator'></span><![endif]-->Adang Hambali, Asti Meiza, 2015)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]-->. Sejalan dengan penelitian <!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "DOI" : "10.24167/psiko.v16i2.1269",
"ISSN" : "1411-6073", "abstract" : "The
number of divorce cases in Aceh increases every year. With most divorce cases
filed by the wife. In light of divorce, divorc\u00e9es still needs a sense of
gratitude to go on with life. Gratitude can manifest positive feelings such as
happiness. This study aims to determine the correlation between gratitude and
happiness on divorc\u00e9es in Aceh. This study was done by quantitative
approach with purposive sampling technique. The sample in this study are 247
divorc\u00e9es. Data analysis using the Spearman test showed correlation
coefficient of 0,650 with p < 0,10. The hypothesis was confirmed so it can
be concluded that there's a significant positive correlation between gratitude
and happiness on divorc\u00e9es in Aceh. This shows that on divorc\u00e9es in
Aceh, the more grateful therefore the happier. The result of this study also
shows that divorc\u00e9es in Aceh falls under the high category for gratitude
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: "", "family" : "Khairani", "given" :
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"container-title" : "Psikodimensia", "id" :
"ITEM-1", "issue" : "2", "issued" : {
"date-parts" : [ [ "2018" ] ] }, "page" :
"189", "title" : "Kebersyukuran Dan Kebahagiaan Pada
Wanita Yang Bercerai Di Aceh", "type" :
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</span>}, "schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span><![endif]-->Eriyanda & Khairani (2018)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--> mengatakan bahwa semakin
tinggi tingkat kebersyukuran positif pada wanita yang bercerai, maka akan
semakin tinggi kebahagiaannya.<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->d.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Kepribadian
<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify;">Tatarkiewicz <!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "author" : [ { "dropping-particle"
: "", "family" : "Diener", "given" :
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"parse-names" : false, "suffix" : "" } ],
"container-title" : "psychological bulletin",
"id" : "ITEM-1", "issue" : "3",
"issued" : { "date-parts" : [ [ "1984" ] ] },
"page" : "542-575", "title" : "Subjective
Well-Being", "type" : "article-journal",
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}<span style='mso-element:field-separator'></span><![endif]-->(dalam Diener, 1984)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--> menyatakan bahwa kepribadian
merupakan hal yang paling berpengaruh terhadap kesejahteraan subjektif. Hal ini
dikarenakan beberapa variabel kepribadian menunjukkan kekonsistenan dengan kesejahteraan
subjektif, diantaranya self esteem. Pada saat orang mengalami ketidakbahagiaan
ternyata self esteem ini juga dalam keadaan menurun.<o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->e.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Dukungan
Sosial <o:p></o:p></p>
<p style="line-height: 200%; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify;"><!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "author" : [ { "dropping-particle"
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false, "suffix" : "" } ], "id" :
"ITEM-1", "issue" : "June", "issued" :
{ "date-parts" : [ [ "2016" ] ] }, "title" :
"Exploring relationship between online social support and individual
online subjective well-being among young adults", "type" :
"article-journal" }, "uris" : [
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}<span style='mso-element:field-separator'></span><![endif]-->Eiswein Tsz Kin Wong (2016)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--> mengatakan bahwa dukungan
sosial merupakan salah satu fungsi komunikasi yang melalu media online yang
mampu memberikan efek yang sama dengan komunikasi secara umum sebagai dukungan
sosial. Bahkan dukungan sosial mampu meningkatkan kemampuan individu dan
menghilangkan stress. Hal ini sejalan dengan penelitian <!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "author" : [ { "dropping-particle"
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"id" : "ITEM-1", "issued" : {
"date-parts" : [ [ "2012" ] ] }, "title" :
"Pengaruh dukungan sosial keluarga terhadap kebahagiaan (Happiness) pada
lansia di Kota Malang", "type" : "article-journal" },
"uris" : [
"http://www.mendeley.com/documents/?uuid=ab8321c4-3304-47c5-8efa-446f5e5228e5"
] } ], "mendeley" : { "formattedCitation" : "(Amalia,
2012)", "manualFormatting" : "Amalia (2012)",
"plainTextFormattedCitation" : "(Amalia, 2012)",
"previouslyFormattedCitation" : "(Amalia, 2012)" },
"properties" : {<span style='mso-spacerun:yes'> </span>},
"schema" : "https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span><![endif]-->Amalia (2012)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]--> yang mengatakan bahwa
dukungan sosial keluarga memiliki pengaruh positif terhadap kebahagiaan, dan
dukungan sosial meliputi aspek emotional support, instrumental support, informational
support, dan appraisal support. <o:p></o:p></p>
<p style="line-height: 200%; margin: 0in; mso-add-space: auto; text-align: justify;"><o:p> </o:p></p>
<h3 style="line-height: 200%; margin-left: .5in; mso-list: l0 level1 lfo3; text-indent: -.25in;"><a name="_Toc39407647"><!--[if !supportLists]--><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;">Pengukuran Kesejahteraan Subjektif</span></a><span style="font-family: "Times New Roman", serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></h3>
<p style="line-height: 200%; text-align: justify; text-indent: .5in;">Konstruk <i>kesejahteraan subjektif</i> memiliki 2 alat
ukur yang dikembangkan oleh Diener. Alat ukur tersebut yaitu: <o:p></o:p></p>
<p style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]-->1.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span><!--[endif]-->The Scale of Positive and Negative Experience (SPANE),
skala ini terdiri dari 12 item, dengan enam item dikhususkan untuk pengalaman
positif dan enam item dirancang untuk nilai pengalaman negatif. Karena skala
termasuk umum positif dan negative perasaan <!--[if supportFields]><span
style='mso-element:field-begin;mso-field-lock:yes'></span>ADDIN CSL_CITATION {
"citationItems" : [ { "id" : "ITEM-1",
"itemData" : { "DOI" :
"10.1007/s11205-009-9493-y", "author" : [ {
"dropping-particle" : "", "family" : "Ed
Diener, Derrick Wirtz, William Tov, Chu Kim-Prieto Biswas-Diener, Dong-won
Choi, Shigehiro Oishi", "given" : "Robert",
"non-dropping-particle" : "", "parse-names" :
false, "suffix" : "" } ], "id" :
"ITEM-1", "issue" : "August 2014",
"issued" : { "date-parts" : [ [ "2010" ] ] },
"title" : "New Well-Being Measures : Short Scales to Assess
Flourishing and Positive and Negative Feelings", "type" :
"article-journal" }, "uris" : [
"http://www.mendeley.com/documents/?uuid=fda68313-1300-4df1-8c07-31d4dbfeb798"
] } ], "mendeley" : { "formattedCitation" : "(Ed
Diener, Derrick Wirtz, William Tov, Chu Kim-Prieto Biswas-Diener, Dong-won
Choi, Shigehiro Oishi, 2010)", "manualFormatting" :
"(Diener et al., 2010)", "plainTextFormattedCitation" : "(Ed
Diener, Derrick Wirtz, William Tov, Chu Kim-Prieto Biswas-Diener, Dong-won
Choi, Shigehiro Oishi, 2010)", "previouslyFormattedCitation" :
"(Ed Diener, Derrick Wirtz, William Tov, Chu Kim-Prieto Biswas-Diener,
Dong-won Choi, Shigehiro Oishi, 2010)" }, "properties" : {<span
style='mso-spacerun:yes'> </span>}, "schema" :
"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"
}<span style='mso-element:field-separator'></span><![endif]-->(Diener et al., 2010)<!--[if supportFields]><span
style='mso-element:field-end'></span><![endif]-->. </p><p style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;"><span style="text-indent: -0.25in;">2.</span><span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; text-indent: -0.25in;">
</span><i style="text-indent: -0.25in;">Stisfaction with
Life Scale</i><span style="text-indent: -0.25in;"> (SWLS), skala ini mengukur penilaian kognitif pada kepuasa
hidup, terdiri dari 5 item </span><span style="text-indent: -0.25in;">(Ed Diener et al., 1985)</span><span style="text-indent: -0.25in;">.</span><span style="text-align: left;"> </span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-74607665284531779312022-08-15T05:34:00.002-07:002022-08-15T05:34:10.751-07:00Tanda Tangan Elektronik<p> Sumber: Berbagai sumber di Internet (sebaiknya di cek ulang yaa)</p><p><br /></p><p></p><p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;"><b>Pengertian</b></span></p><p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Tanda tangan digital<span style="mso-spacerun: yes;"> </span>atau tanda tangan elektronik pertamakali
diperkenalkan oleh Diffie dan Hellman pada tahun 1976. Tanda tangan elektronik
merupakan suatu mekanisme otentikasi yang mengijinkan pemilik ataupun pengirim
pesan untuk menambah sebuah sandi pada pesannya yang bertindak sebagai tanda
tangan. Nantinya tanda tangan ini akan bertindak sebagai ciri khas dari dokumen
tersebut.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn1" name="_ftnref1" style="mso-footnote-id: ftn1;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></span></a> Sehingga dapat dikatakan
juga bahwa tanda tangan elektronik berupakan tanda persetujuan terhadap
kewajiban-kewajiban yang melekat pada sebuah akta elektronik. <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Di Indonesia, tanda tangan elektronik pada pasal 1
dalam Undang-undang Nomor 19 Tahun 2016 yang merupakan perubahan atas pasal 1
Undang-undang nomor 11 tahun 2008 menyebutkan jika tanda tangan elektronik
terdiri atas informasi elektronik yang dilekatkan, terasosiasi, dan terkait
dengan informasi elektronik lainnya yang digunakan sebagai alat untuk
verifikasi dan autentikasi.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn2" name="_ftnref2" style="mso-footnote-id: ftn2;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></span></a> Pada Undang-undang Nomor
19 tahun 2016 juga menyebutkan jika penandatangan merupakan subjek hukum yang
terkait dengan tanda tangan elektronik. Peraturan perundang-undangan di
Indonesia menyatakan bahwa tanda tangan elektronik memiliki kekuatan hukum
serta akibat hukum yang sah selama memenuhi syarat. Syarat sah dari tanda
tangan elektronik tersebut menurut Undang-Undang Nomor 11 Tahun 2008 Informasi
dan Transaksi Elektronik menyebutkan jika data pembuatan tanda tangan
elektronik hanya terkait kepada penanda tangan, proses penandatanganan
elektronik berada dalam kuasa penanda tangan, memiliki suatu cara tertentu
dalam mengidentifikasi siapa penandatangannya, dan segala perubahan atas
dokumen elektronik ataupun informasi yang terkait dengan tanda tangan dapat
diketahui.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Pada Undang-undang Republik Indonesia Nomor 19
tahun 2019 tentang perubahan atas Undang-undang nomor 11 tahun 2008 mengenai
informasi dan transaksi elektronik, tidak semua pasal dalam undang-undang tahun
2008 diubah. Hal ini mengingat bahwa dalam Undang-undang sebelumnya, terdapat
pasal 5, pasal 11, pasal 12, pasal 13, dan pasal 14 yang tidak mengalami
perubahan dimana pasal-pasal tersebut membahas tentang tanda tangan elektronik.
Sebagaimana pasal 12 menyebutkan bahwa setiap orang yang telah terlibat dalam
tanda tangan elektronik memiliki kewajiban dalam memberikan pengamanan atas
tanda tangan elektronik yang digunakan seperti sistem tersebut yang tidak dapat
diakses oleh orang lain, memiliki prinsip kehati-hatian, dan memiliki
tanggungjawab atas konsekuensi hukum yang timbul. <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Informasi elektronik yang menggunakan jaringan
publik, bisa saja seseorang berniat jahat mengganti informasi elektronik yang
telah ditandatangani oleh para pihak dengan informasi elektronik lain tetapi
tanda tangan tidak berubah. Pada data elektronik, perubahan ini mudah terjadi
dan tidak mucah untuk dikenali. Oleh sebab itu, tanda tangan elektronik harus
terasosiasi dengan informasi elektronik.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Terasosiasi adalah informasi elektronik yang ingin
ditandatangani menjadi data pembuatan tanda tangan elektronik. Sehingga antara
tanda tangan elektronik dan informasi yang ditandatangani (dokumen elektronik)
memiliki hubungan yang erat sebagaimana fungsi kertas. Keuntungannya adalah
jika terjadi perubahan informasi elektronik maka tentu tanda tangan juga akan
berubah.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn3" name="_ftnref3" style="mso-footnote-id: ftn3;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Bila dikaitkan dengan Undang-Undang Nomor 11 Tahun
2008 Informasi dan Transaksi Elektronik maka tanda tangan tersebut memiliki dua
fungsi hukum dasar yaitu sebagai identitas penanda tangan (seseorang) dan
sebagai tanda persetujuan dari penandatangan terhadap kewajiban-kewajiban yang
melekat pada dokumen. Berdasarkan hal tersebut maka dapat ditarik kesimpulan
bahwa tanda tangan merupakan identitas yang berfungsi sebagai persetujuan
terhadap kewajiban-kewajiban dalam dokumen.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn4" name="_ftnref4" style="mso-footnote-id: ftn4;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></span></a> Pada pasal 13 Undang-Undang
Nomor 11 Tahun 2008 Informasi dan Transaksi Elektronik menyebutkan bahwa setiap
orang atau individu berhak menggunakan jasa penyelenggara sektifikasi
elektronik untuk pembuatan tanda tangan elektronik dimana penyelenggara
tersebut harus memastikan keterkaitan tanda tangan elektronik dengan
pemiliknya. Terlebih, dalam pasal 13 ayat 5 dan ayat 6 bahwa penyelenggara dari
tanda tangan elektronik dapat berasal dari Indonesia ataupun asing namun harus
memiliki operasi di Indonesia, terdaftar, dan mengikuti segala peaturan yang
berlaku di pemerintahan Indonesia. <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Untuk menentukan seberapa besar kewenangan yang
dimiliki oleh pengguna tanda tangan elektronik maka diperlukan sertifikat
elektronik. Kewenangan dan kualifikasi juga diperlukan jika suatu perusahaan
atau lembaga akan melakukan perbuatan atau tindakan hukum. Misalnya jika
lembaga atau perusahaan akan melakukan perbuatan hukum maka sertifikasi
elektronik yang berlaku adalah yang dimiliki oleh direksi. Sehingga selain
direksi, sertifikat elektronik tersebut tidak dapat digunakan oleh siapapun.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn5" name="_ftnref5" style="mso-footnote-id: ftn5;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[5]</span></span><!--[endif]--></span></span></a> Hal ini sangat
mempengaruhi tanda tangan elektronik karena mengandung unsur <i style="mso-bidi-font-style: normal;">non-repudiation</i>. <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="mso-ansi-language: IN;">Dalam berbagai transaksi, <i style="mso-bidi-font-style: normal;">non-repudiation </i>diimplementasikan dengan menggunakan tanda tangan.
Bahkan dalam Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi
Elektronik, tanda tangan elektronik telah diakui sama sahnya dengan tanda
tangan konvensional. <i style="mso-bidi-font-style: normal;">Non repudiation </i>tersebut
timbul dari keberadaan tanda tangan elektronik yang menggunakan enkripsi
asimetris yang melibatkan kunci privat dan kunci publik.<o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"></p><p></p><p></p><div style="mso-element: footnote-list;">
<!--[endif]-->
<div id="ftn1" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref1" name="_ftn1" style="mso-footnote-id: ftn1;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Rezania
Agramanisti Azdy, <i style="mso-bidi-font-style: normal;">Tanda Tangan Digital
Menggunakan Algoritme Keccar dan RSA </i>(Jurnal JNTETI Vol.5 No.3, Agustus,
2016), Pp.184-192<o:p></o:p></span></p>
</div>
<div id="ftn2" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref2" name="_ftn2" style="mso-footnote-id: ftn2;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Undang-undang
Nomor 19 tahun 2016 tentang perubahan atas Undang-undang Nomor 11 tahun 2008
tentang informasi dan transaksi elektronik<o:p></o:p></span></p>
</div>
<div id="ftn3" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref3" name="_ftn3" style="mso-footnote-id: ftn3;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Baehaki
Syakbani dan Sumarni, <i style="mso-bidi-font-style: normal;">Kekuatan Pembuatan
Dokumen Elektronik Dengan Tanda Tangan Elektronik Dalam Proses Persidangan
Perdata </i>(Jurnal Valid Volume 10 Nomor 4, Oktober 2013), Pp.63-69<o:p></o:p></span></p>
</div>
<div id="ftn4" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref4" name="_ftn4" style="mso-footnote-id: ftn4;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Undang-Undang
Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi Elektronik Republik
Indonesia<o:p></o:p></span></p>
</div>
<div id="ftn5" style="mso-element: footnote;">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref5" name="_ftn5" style="mso-footnote-id: ftn5;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[5]</span></span><!--[endif]--></span></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Arianto Mukti,
<i style="mso-bidi-font-style: normal;">Op. Cit, </i>hal.11.12<o:p></o:p></span></p>
</div>
</div><br /><p></p><p><br /></p><p></p><p class="MsoListParagraphCxSpLast" style="line-height: 32px; margin-left: 56.7pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN"><b>Manfaat</b></span></p><p class="MsoListParagraphCxSpFirst" style="line-height: 32px; margin-left: 56.7pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Suatu tanda tangan elektronik mampu menyebabkan data elektronik yang dikirimkan menjadi lebih terjamin, sehingga memilikki manfaat <i>authenticity, integrity, nom-repudiation, </i>dan <i>confidentiality.</i><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn1" name="_ftnref1" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12pt;">[1]</span></span></span></a><i> Authenticitty </i>merupakan dimana seseorang memberikan tanda tangan digital pada suatu dokumen atau data elektronik yang dikirimkan maka akan dapat ditunjukkan dari mana data elektronik tersebut sesungguhnya berasal. Terjaminnya integritas pesan tersebut bisa terjadi karena adanya keberadaan <i>digital certificate. Digital sertificate </i>diperoleh atas dasar aplikasi kepada <i>Certification Authority oleh user atau subcriber.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn2" name="_ftnref2" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><b><span lang="IN" style="font-size: 12pt;">[2]</span></b></span></span></a><o:p></o:p></i></span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 32px; margin-left: 56.7pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Kemudian, <i>integrity </i>dimana penggunaan tanda tangan digital yang diaplikasikan pada pesan, dokumen, atau data elektronik lainnya yang dikirimkan dapat menjamin bahwa hal tersebut tidak akan mengalami perubahan atau modifikasi oleh pihak yang berwenang.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn3" name="_ftnref3" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12pt;">[3]</span></span></span></a> Tidak hanya itu, manfaat lain dari tanda tangan elektronik adalah tidak dapat disangkal keberadaannya atau <i>non-repudiation </i>karena menggunakan enskripsi asimetris yang melibatkan kunci privat dan kunci publik. Suatu pesan yang telah dienkripsi dengan menggunakan kunci privat maka ia hanya dapat dibuka dengan menggunakan kunci publik dari pengirim. Sehingga apabila terdapat suatu pesan yang telah dienkripsi oleh pengirim dengan menggunakan kunci privatnya maka ia tidak dapat menyangkal keberadaan pesan tersebut karena terbukti bahwa pesan tersebut dideskripsi dengan kunci publik pengirim.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn4" name="_ftnref4" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12pt;">[4]</span></span></span></a><i><o:p></o:p></i></span></p><p class="MsoListParagraphCxSpLast" style="line-height: 32px; margin-left: 56.7pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Manfaat berikutnya adalah <i>confidentiality </i>yang merupakan pesan dalam bentuk data elektronik yang dikirimkan bersifat rahasia atau <i>confidential </i>sehingga hanya orang-orang tertentu saja yang mengetahui isi dari data elektronik tersebut.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn5" name="_ftnref5" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12pt;">[5]</span></span></span></a><o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="line-height: 32px; margin-left: 56.7pt; text-align: justify; text-indent: 28.35pt;"><span lang="IN"></span></p><div><br clear="all" /><hr align="left" size="1" width="33%" /><div id="ftn1"><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref1" name="_ftn1" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span style="font-size: 10pt;">[1]</span></span></span></a><span style="font-family: "Times New Roman", serif;"> </span><span lang="IN" style="font-family: "Times New Roman", serif;">Joan Venzka Tahapary, <i>Keabsahan Tanda Tangan Elektronik Sebagai Alat Bukti Yang Sah Ditinjau Dalam Hukum Acara Perdata </i>(Jakarta: Tesis Universitas Indonesia, 2011), hal.18-25<o:p></o:p></span></p></div><div id="ftn2"><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref2" name="_ftn2" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span style="font-size: 10pt;">[2]</span></span></span></a><span style="font-family: "Times New Roman", serif;"> </span><i><span lang="IN" style="font-family: "Times New Roman", serif;">Ibid<o:p></o:p></span></i></p></div><div id="ftn3"><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref3" name="_ftn3" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span style="font-size: 10pt;">[3]</span></span></span></a><span style="font-family: "Times New Roman", serif;"> </span><i><span lang="IN" style="font-family: "Times New Roman", serif;">Ibid<o:p></o:p></span></i></p></div><div id="ftn4"><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref4" name="_ftn4" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span style="font-size: 10pt;">[4]</span></span></span></a><span style="font-family: "Times New Roman", serif;"> </span><i><span lang="IN" style="font-family: "Times New Roman", serif;">Ibid<o:p></o:p></span></i></p></div><div id="ftn5"><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref5" name="_ftn5" title=""><span class="MsoFootnoteReference"><span class="MsoFootnoteReference"><span style="font-size: 10pt;">[5]</span></span></span></a><span style="font-family: "Times New Roman", serif;"> </span><i><span lang="IN" style="font-family: "Times New Roman", serif;">Ibid </span></i></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><i><span lang="IN" style="font-family: "Times New Roman", serif;"><br /></span></i></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><i><span lang="IN" style="font-family: "Times New Roman", serif;"><b>Unsur</b></span></i></p><p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Tanda tangan elektronik yang terdiri atas
informasi elektronik, terasosiasi, dan terkait dengan informasi elektronik
lainnya dapat digunakan sebagai alat verifikasi dan autentikasi. Disebutkan
dalam pasal 1 ayat 12 Undang-undang Nomor 19 tahun 2016 tentang perubahan atas
Undang-undang Nomor 11 tahun 2008 tentang informasi dan transaksi elektronik
bahwa tanda tangan elektronik merupakan tanda tangan yang terdiri atas
informasi elektronik yang dilekatkan, terasosiasi, atau terkait dengan
informasi elektronik lainnya yang digunakan sebagai alat verifikasi dan
autentikasi. Pasal 1 ayat 13 menegaskan kembali bahwa penanda tangan merupakan
subjek hukum yang terasosiasi atau terkait dengan tanda tangan elektronik.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn1" name="_ftnref1" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></a><o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Dalam definisi tandatangan elektronik mengandung
beberapa unsur fundamental sebagai ukuran sebuah tanda tangan merupakan
elektronik atau bukan. Unsur tersebut seperti unsur informasi elektronik,
terikat atau terasosiasi informasi lain, serta sebagai alat verifikasi dan
autentifikasi. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><i><span lang="IN">Pertama,
</span></i><span lang="IN">informasi elektronik yang
merupakan salah satu unsur terpenting dalam tanda tangan elektronik karena akan
menjadi landasan adanya tanda tangan elektronik yang diberikan atau dituliskan.
Pada pasal 1 Angka 1 Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi
Elektronik telah menyebutkan bahwa informasi elektronik merupakan sekumpulan
data elektronik yang didalamnya termasuk tulisan, suara, peta, rancangan,
gambar, foto, <i>electronic data
interchange, </i>telegram, <i>electronik
mail, </i>angka, dan lain sebagainya yang memiliki maksa atau arti mudah
dipahami.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn2" name="_ftnref2" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></a><o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><i><span lang="IN">Kedua,
</span></i><span lang="IN">terasosiasi atau terikat
dengan informasi lain yang berkaitan dengan masalah keutuhan dari suatu data
yang dikirimkan. Seorang penerima pesan, data, ataupun dokumen elektronik dapat
merasa yakin apakah pesan yang diterimanya sama dengan pesan yang dikirimkan.
Artinya, pesan tersebut tidak pernah dimodifikasi atau diubah selama proses
pengiriman atau penyimpanan. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Penggunaan tanda tangan elektronik yang
diaplikasikan pada pesan atau data elektronik yang dikirimkan dapat menjamin
bahwa data tersebut tidak dimodifikasi. Jaminan tersebut dapat dilihat dari
adanya <i>hanh function </i>dalam sistem
dimana penerima dapat melakukan pembandingan <i>hash value.</i> Unsur ini berkaitan dari substansi dokumen yang
didalamnya dibubuhi tanda tangan. Informasi yang berada dalam dokumen atau data
elektrnik menjadi sebuah alat pengesahan akan keotentikan dari informasi yang
ada.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn3" name="_ftnref3" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></a><o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><i><span lang="IN">Ketiga, </span></i><span lang="IN">sebagai alat verifikasi dan autentifikasi
dimana tanda tangan elektronik di Indonesia merupakan sebuah alat yang sah
untuk menjadi alat bukti. Hal itu tertuang dalam pasal 10 Undang-Undang Nomor
11 Tahun 2008 Informasi dan Transaksi Elektronik disebutkan bahwa tanda tangan
elektronik memilikki kekuatan hukum selama memenuhi syarat yang telah ditentukan.
Melalui verifikasi dan autentifikasi maka data elektronik yang dikirimkan akan
diketahui asal usulnya.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn4" name="_ftnref4" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></a><o:p></o:p></span></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;">
</p><div><!--[if !supportFootnotes]--><br clear="all" />
<hr align="left" size="1" width="33%" />
<!--[endif]-->
<div id="ftn1">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref1" name="_ftn1" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Undang-undang
Nomor 19 tahun 2016 tentang perubahan atas Undang-undang Nomor 11 tahun 2008
tentang informasi dan transaksi elektronik<o:p></o:p></span></p>
</div>
<div id="ftn2">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref2" name="_ftn2" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Undang-Undang
Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi Elektronik Pasal 1
Angka 1<o:p></o:p></span></p>
</div>
<div id="ftn3">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref3" name="_ftn3" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Joan Venzka
Tahapary, <i>Loc. Cit<o:p></o:p></i></span></p>
</div>
<div id="ftn4">
<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref4" name="_ftn4" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Undang-undang
Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi Elektronik Pasal 10<o:p></o:p></span></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;"><br /></span></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;"><br /></span></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><span style="font-family: Times New Roman, serif;"><b><i>Ruang Lingkup</i></b></span></p><p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Tanda tangan digital yang telah diatur dalam Pasal
11 dan Pasal 12 Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi
Elektronik telah mempersiapkan pengaturan dan rancangan peraturan
pemerintahtentang tanda tangan elektronik oleh Departemen Komunikasi dan
Informasi.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Ruang lingkup pelaksanaan tanda tangan elektronik
adalah setiap verifikasi dan autentifikasi terhadap informasi elektronik yang
diselenggarakan oleh pelaku teknologi informasi. Pelaku tersebut baik yang
berada di Indonesia maupun antara Indonesia dengan negara lain dimana tanda
tangan elektronik tersebut berlaku terhadap segala jenis transaksi yang
berkaitan dengan kegiatan usaha, perdagangan, perjanjian, dokumentasi, dan lain
sebagainya. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Suatu transaksi konvensional menyatakan adanya dokumen
yang ditandatangani sebagai bentuk autentifikasi terhadap perbutan hukum
tersebut. Dalam Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi
Elektronik memperbolehkan suatu autoritas yang berwenang melakukan
autentifikasi dan verifikasi terhadap tanda tangan elektronik maupun dokumen
elektronik yang ada. Informasi tersebut didalamnya telah terintegrasi tanda
tangan elektronik melalui sertifikat elektronik yang dibuat oleh penyelenggara
sertifikasi elektronik. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Pelaksanaan informasi elektronik, dokumen
elektronik, dan autentifikasi serta verifikasi melalui tanda tangan elektronik
tidak dapat dilakukan terhadap suatu kontrak yang diharuskan dalam bentuk
tertulis. Pada Pasal 5 ayat 4 dan pada Pasal 6 Undang-Undang Nomor 11 Tahun
2008 Informasi dan Transaksi Elektronik mengecualikan informasi, dokumen, dan
tandatangan yang tidak dapat dibuat secara elektronik. Hal tersebut seperti
surat yang menurut Undang-undang harus dibuat dalam bentuk tertulis dan surat
beserta dokumennya yang menurut undang-undang harus dibuat dalam bentuk akta
notaril atau akta yang dibuat oleh pejabat akta. Kemudian, ketentuan lain yang
mensyaratkan suatu informasi harus berbentuk tertulis atau asli, informasi
elektronik atau dokumen elektronik dianggap sah sepanjang informasi yang
tercantum didalamnya dapat diakses, ditampilkan, dijamin keutuhannya, dan dapat
dipertanggungjawabkan.<a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftn1" name="_ftnref1" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="IN" style="font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></a><o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Pelaksanaan suatu kontrak dalam bentuk elektronik
harus tetap didasarkan pada hukum kontrak yang berlaku dalam ketentuan yang ada
sehingga tidak semua dokumen maupun tanda tangan dan informasi harus dibuat
secara elektronik. Ketentuan-ketentuan dalam hukum kontrak yang mewajibkan
dibuat secara tertulis maka mengecualikan ketentuan dalam Undang-Undang Nomor
11 Tahun 2008 Informasi dan Transaksi Elektronik.<o:p></o:p></span></p><p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Suatu tanda tangan elektronik akan dianggap sah
bila dibuat hanya oleh subjek yang berwenang terhadap informasi elektronik yang
disertifikasi elektronik. Subjek hukum yang tidak berwenang terhadap dokumen
elektronik tersebut tidak dapat melakukan tanda tangan elektronik. Sehingga,
seseorang maupun badan hukum yang menerima tanda tangan elektronik harus
memastikan bahwa tanda tangan elektronik tersebut memang dibuat oleh subjek
hukum yang memiliki kewenangan. Apabila peraturan perundang-undangan yang
berlaku menentukan terminasi terhadap suatu dokumen maka dalam dokumen
elektronik pun memiliki terminasi. Ketentuannya bahwa dokumen tersebut
merefleksikan secara akurat keterangan yang terdapat dalam kontrak atau dokumen
tersebut dan dapat diakses oleh setiap orang yang berwenang.<o:p></o:p></span></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;">
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<p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><a href="file:///D:/PROJECT/Alvis%20-%20Hukum%20-%20Univesitas%20Nasional/17%20%20Februari.docx#_ftnref1" name="_ftn1" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></a><span style="font-family: "Times New Roman",serif;"> </span><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">Pasal 5 ayat 4
dan pada Pasal 6 Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi
Elektronik<o:p></o:p></span></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;"><br /></span></p><p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN"><b><i>Peraturan</i></b></span></p><p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Dalam Pasal 1 Angka 12 Undang-Undang Nomor 19
Tahun 2016 tentang Perubahan atas Undang-undang Nomor 11 Tahun 2008 Tentang
Informasi dan Transaksi Elektronik serta dalam Pasal 1 Angka 22 Peraturan
Pemerintah Nomor 71 Tahun 2019 Tentang Sistem dan Transaksi Elektronik telah
menerangkan bahwa tanda tangan elektronik merupakan tanda tangan yang terdisi
atas informasi elektronik yang dilekatkan, terasosiasi, atau terikat dengan
informasi elektronik lainnya yang digunakan sebagai alat verifikasi dan
autentikasi. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Undang-Undang Nomor 19 tahun 2016 tentang
perubahan atas undang-undang nomor 11 tahun 2008 tentang informasi dan
transaksi elektronik merupakan Undang-undang untuk menjamin pengakuan serta
penghormatan atas hak dan kebebasan orang lain. Kemudian, undang-undang
tersebut guna memenuhi tuntutan yang adil sesuai dengan pertimbangan keamanan
dan ketertiban umum dalam suatu masyarakat yang demokratis agar terwujud
keadilan, ketertiban umum, dan kepastian umum. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Pasal 59 ayat 3 Peraturan Pemerintah Nomor 71
Tahun 2019 tentang penyelenggaraan sistem dan transaksi elektronik bahwa tanda
tangan elektronik memiliki kekuatan hukum dan akibat hukum yang sah selama
memenuhi persyaratan sebagai berikut: <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 103.05pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN">a.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="IN">Data pembuatan tanda tangan elektronik
terkait hanya kepada penanda tangan.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 103.05pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN">b.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="IN">Data pembuatan tanda tangan elektronik
pada saat proses penandatanganan elektronik hanya berada dalam kuasa penanda
tangan.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 103.05pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN">c.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="IN">Segala perubahan terhadap tanda tangan
elektronik yang terjadi setelah waktu penandatanganan dapat diketahui.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 103.05pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN">d.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="IN">Segala perubahan terhadap informasi
elektronik yang terkait dengan tanda tangan elektronik tersebut setelah waktu
penandatangan dapat diketahui.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 103.05pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN">e.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="IN">Terdapat cara tertentu yang digunakan untuk
mengidentifikasi siapa penandatangannya.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 103.05pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;"><!--[if !supportLists]--><span lang="IN">f.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="IN">Terdapat cara tertendu untuk menunjukkan
bahwa penandatangan telah memberikan persetujuan untuk menunjukkan bahwa
penanda tangan telah memberikan persetujuan terhadap informasi elektronik yang
terkait.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Mengenai kekuatan dan akibat hukum, tanda tangan
elektronik disamakan dengan tanda tangan manual sebagaimana dijamin dalam pasal
11 Undang-Undang Nomor 11 Tahun 2008 Informasi dan Transaksi Elektronik. Dalam
hal itu, pasal 1869 jo pasal 1874 Kitab undang-undang hukum perdata dan pasal 1
ordinasi 1867 Nomor 29 juga berlaku pada tanda tangan elektronik sehinggga
diberi tanda tangan elektronik maka dokumen elektronik tersebut memiliki
kekuatan hukum. Artinya, tandatangan elektronik berlaku dan sah pada hukum perdata
di Indonesia. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Dalam Pasal 60 Ayat 2, 3, dan 4 Peraturan
Pemerintah Nomor 71 Tahun 2019 tentang penyelenggaraan sistem dan transaksi
elektronik menerangkan bahwa tanda tangan elektronik dibedakan menjadi dua
yaitu yang tersertifikasi dan tidak tersertifikasi. Tanda tangan elektronik
tersertifikasi memenuhi keabsahan kekuatan hukum dan akibat hukum tanda tangan
elektronik. Selain itu, tanda tangan tersebut menggunakan sertifikat elektronik
yang dibuat oleh jasa penyelenggara sertifikasi elektronik Indonesia serta
dibuat menggunakan perangka pembuat tanda tangan elektronik tersertifikasi.
Sedangkan tanda tangan elektronik tidak tersertifikasi dibuat tanpa menggunakan
jasa penyelenggara sertifikasi elektronik Indonesia.<o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Kemudian, pasal 60 ayat 1 PP Nomor 71 Tahun 2019
juga menyebutkan jika tanda tangan elektronik berfungsi sebagai alat
autentikasi dan verifikasi atas identitas penandatangan dan keutuhan serta
keautentikan informasi elektronik. Selanjutnya pada Peraturan yang sama
tepatnya pasal 4 menegaskan bahwa persetujuan penanda tangan terhadap informasi
elektronik yang akan ditandatangai dengan tanda tangan elektronik harus
menggunakan mekanisme afirmasi dan/atau mekanisme lain yang memperhatikan
maksud dan tujuan penandatangan untuk terikat dalam suatu transaksi elektronik.
Suatu tanda tangan elektronik dapat dikatakan sah apabila memenuhi persyaratan
yang tertuang pada Pasal 59 ayat 3 Peraturan Pemerintah Nomor 71 Tahun 2019
tentang penyelenggaraan sistem dan transaksi elektronik dimana peraturan tersebut
tidak melihat jabatan dan profesi seseorang. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Tanda tangan elektronik diatur juga dalam
Peraturan Menteri Komunikasi dan Informatika Nomor 11 tahun 2018 tentang
penyelenggaraan sertifikasi elektronik. Bahwa penerima dapat memvalidasi tanda
tangan digital penanda tangan menggunakan kunci publik yang melekat pada
sertifikat elektronik. Terkait hal ini, tidak memungkinkan jika tanda tangan
individu satu dengan yang lainnya sama karena terdapat pasangan kunci publik
dan privat yang dibuat secara unik. <o:p></o:p></span></p><p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Salah satu perangkat lunak yang dapat membaca
sertifikat elektronik adalah pembaca PDF <i>reader
</i>karena dapat membuka enkripsi yang dilakukan dengan menggunakan kunci
privat. Apabila enkripsi tersebut dapat dibuka maka kunci publik dan kunci
privat tersebut adalah saling terkait sehingga kita dapat menyimpulkan bahwa
penanda tangan merupakan orang yang informasi identitasnya tercantum dalam
sertifikat elektronik.<o:p></o:p></span></p><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><span lang="IN" style="font-family: "Times New Roman",serif; mso-ansi-language: IN;">
</span></p><p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-left: 56.7pt; mso-add-space: auto; text-align: justify; text-indent: 28.35pt;"><span lang="IN">Berhubungan dengan tanda tangan elektronik yang
melekat pada informasi elektronik dan dokumen elektronik tertuang dalam
Undang-undang Nomor 82 Tahun 2012 Pasal 1 Ayat 6-7. Informasi elektronik yang
merupakan sekumpulan data elektronik termasuk tetapi tidak terbatas pada
tulisan, suara, gambar, peta, rancangan, foto, <i>electronic data interchange</i>, surat elektronik, kode akses, simbol,
atau perforasi yang telah diolah yang memiliki arti atau dapat dipahami oleh
orang yang mampu memahaminya. Kemudian, tanda tangan elektronik juga terdapat
dalam dokumen elektronik dimana merupakan informasi yang dibuat, diteruskan,
dikirimkan, diterima, atau disimpan dalam bentuk analog, digital,
elektromagnetik, optikal, atau sejenisnya serta daoat dilihat, ditampilkan,
dan/atau didengar melalui komputer atau sistem elektronik. <o:p></o:p></span></p>
</div>
</div>
</div>
</div><p class="MsoFootnoteText" style="text-align: justify; text-indent: 28.35pt;"><i><span lang="IN" style="font-family: "Times New Roman", serif;"><br /></span></i></p></div></div>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-42543310504466027072022-08-15T05:19:00.005-07:002022-08-15T05:19:34.875-07:00Gaya Komunikasi Kepemimpinan<p>Menurut berbagai sumber yang ada diinternet, gaya komunikasi kepemimpinan terbagi menjadi: </p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><o:p> </o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -14.2pt;"><!--[if !supportLists]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></i><!--[endif]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Controlling
Style<o:p></o:p></span></i></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><v:oval fillcolor="white [3212]" id="Oval_x0020_136" o:gfxdata="UEsDBBQABgAIAAAAIQC75UiUBQEAAB4CAAATAAAAW0NvbnRlbnRfVHlwZXNdLnhtbKSRvU7DMBSF
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</v:stroke></v:oval><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Dalam gaya komunikasi kepemimpinan tersebut, proses
komunikasi yang terjadi adalah satu arah <i>(one-way communication),</i> serta
bersifat mengendalikan diterapkan dengan adanya perilaku menunjukan kehendak,
pembatasan, memaksa, dan mengatur perilaku anggota. Pemimpin dengan gaya
komunikasi tersebut menggunakan kekuasaan dan wewenang untuk menekan anggota
untuk patuh terhadap opini dan pandangan mereka<o:p></o:p></span></p>
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<v:stroke joinstyle="miter">
</v:stroke></v:oval><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><o:p> </o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -14.2pt;"><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></i><!--[endif]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Equalitarian
Style <o:p></o:p></span></i></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Gaya komunikasi pemimpin
dari <i>equalitarian style </i>menerapkan komunikasi yang terjadi secara dua
arah <i>(two- way communication), </i>dengan mengutamakan keakraban dalam
berinteraksi serta menghargai pendapat dan pandangan anggota. Dalam gaya
komunikasi kepemimpinan ini, pemimpin memperhatikan pengertian dari anggota
untuk mewujudkan kesepakatan bersama. Hubungan komunikasi dilakukan dengan
terbuka secara bersahabat. Pemimpin dengan gaya komunikasi kepemimpinan
tersebut cenderung memiliki penyaluran informasi yang baik, efektif, dan
disertai dengan empati dalam menyampaikan tujuan bersama. <i>Equalitarian style</i>
menunjukan sikap kepedulian tinggi dalam berinteraksi<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><o:p> </o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -14.2pt;"><!--[if !supportLists]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></i><!--[endif]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Structuring
Style <o:p></o:p></span></i></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Gaya komunikasi
kepemimpinan ini menerapkan sifat objektif serta tidak berpihak kepada satu
unit saja. Namun, lebih memperhatikan kepentingan bersama yang disesuaikan
dengan struktur maupun hierarki yang sudah ditetapkan, dengan tanggungjawab
masing-masing. Pemimpin dengan gaya komunikasi tersebut cenderung lebih tertata
dalam menyampaikan tujuan dengan ketentuan yang ditetapkan bersama<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><o:p> </o:p></span></i></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -14.2pt;"><!--[if !supportLists]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></i><!--[endif]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Dynamic
Style <o:p></o:p></span></i></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Pemimpin dengan gaya
komunikasi kepemimpinan seperti ini cenderung menerapkan kepemimpinan secara
agresif, hal ini disebabkan oleh target yang diciptakan berdasarkan pencapaian
atau tindakan yang sudah dilakukan oleh anggota. Pemimpin dengan gaya
komunikasi tersebut cenderung untuk menuntut anggota menyelesaikan tugas secara
cepat serta bekerja dengan sistem yang kritis dan <i>urgent</i></span><i><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;">.</span></i><i><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN; mso-fareast-language: IN; mso-no-proof: yes;"> </span></i><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;"><o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;"><o:p> </o:p></span></p>
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" o:spid="_x0000_s1026" strokecolor="white [3212]" strokeweight="1pt" style="height: 20.25pt; left: 0; margin-left: 198.6pt; margin-top: 26.8pt; mso-position-horizontal-relative: text; mso-position-horizontal: absolute; mso-position-vertical-relative: text; mso-position-vertical: absolute; mso-wrap-distance-bottom: 0; mso-wrap-distance-left: 9pt; mso-wrap-distance-right: 9pt; mso-wrap-distance-top: 0; mso-wrap-style: square; position: absolute; text-align: left; v-text-anchor: middle; visibility: visible; width: 18pt; z-index: 251938816;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;"><o:p> </o:p></span></v:rect></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -14.2pt;"><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></i><!--[endif]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Relinquishing
Style <o:p></o:p></span></i></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Pemimpin dalam menerapkan
kepemimpinan cenderung lebih menerima pendapat, ide, cara, dan gagasan yang
disampaikan oleh orang lain. Dalam kepemimpinan tersebut, diskusi bersama
dengan orang yang mengerti tentang masalah yang dihadapi adalah suatu
pertimbangan yang sangat ditekankan. Selain memperhatikan faktor kesepakatan
bersama, pemimpin dengan gaya tersebut juga memperhatikan tujuan bersama yang
telah ditetapkan namun tidak menutup ide dan pandangan orang lain sebagai
sebuah bahan pertimbangan<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><o:p> </o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -14.2pt;"><!--[if !supportLists]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></i><!--[endif]--><i><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Withdrawal
Style<o:p></o:p></span></i></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 0in; margin-left: 14.2pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 21.3pt;"><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">Pemimpin dengan gaya
komunikasi seperti ini cenderung untuk menghindari proses komunikasi yang
terjadi dalam sebuah perusahaan. Hal ini disebabkan oleh tidak adanya
ketertarikan pemimpin dalam bertanggungjawab atas setiap unit dalam sebuah
organisasi. Pemimpin dengan gaya komunikasi tersebut enggan untuk ikut terlibat
dalam masalah yang dihadapi oleh karyawan maupun perusahaan<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;"><b><span lang="EN-ID" style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;"><o:p> </o:p></span></b></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-33249185910049133352022-07-09T00:20:00.003-07:002022-08-15T08:04:16.870-07:00Foto Maret 2019<p></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><img border="0" data-original-height="4608" data-original-width="2592" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHFoWDN3NBYOZO6JQCw5RM78IbJChssDiYFvhu5F4fW3LNCnkXMBY41rKfReKchA1QLMmLj2ILrjsph5f55noYuaWORKQaqZl52jO4bJjcwM2taMnQy7uPnLL3V-z3OoJLIK8TcPokEY1JxMicQkm3QmjOP3YtT21oi1Qms5k5c5U37JN3KYpIk7Zm/s320/IMG_20190327_081458.jpg" style="margin-left: auto; margin-right: auto;" width="180" /></td></tr><tr><td class="tr-caption" style="text-align: center;">Aula Nurul Ma'rifah</td></tr></tbody></table><blockquote style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHFoWDN3NBYOZO6JQCw5RM78IbJChssDiYFvhu5F4fW3LNCnkXMBY41rKfReKchA1QLMmLj2ILrjsph5f55noYuaWORKQaqZl52jO4bJjcwM2taMnQy7uPnLL3V-z3OoJLIK8TcPokEY1JxMicQkm3QmjOP3YtT21oi1Qms5k5c5U37JN3KYpIk7Zm/s4608/IMG_20190327_081458.jpg" style="margin-left: 1em; margin-right: 1em;"><span style="font-size: xx-small;"></span></a></blockquote><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuuSZUA8QKgx3eUHLfvoO-cRmG6NfnBk6cOwqEntAM10F0-0E02FG8ND_aFqlqstbOhSZCczE_-yV726VCKawbTRV7hQPV9424xxtaJxQNIo_CWA77MfvpnUIyrz-sPJLlV564GeOhh_IwVrfBPy9Hl3AlSIgkOcw9FjbX-yvkh2ifTtpH_2Vj2PYK/s4608/IMG_20190327_081533.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4608" data-original-width="2592" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuuSZUA8QKgx3eUHLfvoO-cRmG6NfnBk6cOwqEntAM10F0-0E02FG8ND_aFqlqstbOhSZCczE_-yV726VCKawbTRV7hQPV9424xxtaJxQNIo_CWA77MfvpnUIyrz-sPJLlV564GeOhh_IwVrfBPy9Hl3AlSIgkOcw9FjbX-yvkh2ifTtpH_2Vj2PYK/s320/IMG_20190327_081533.jpg" width="180" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3re7ct5sZGAy4_Wkud2n7ayN9LAJNu7VaCR0mAXKlGAY0FObYETEk25iEk-7G5NCP94QpoEklyf0YnQvSxJ-UEf1SDW8f1cxoz4yxmtqyfKRgcWlKFgO_ylKnnS9OBeuBdp1TbAO0HO0Nzgk14qteNVwAl4yyqUGUFRAMBY_7X0kjz1SHXPGok7nA/s4608/IMG_20190327_081536.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4608" data-original-width="2592" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3re7ct5sZGAy4_Wkud2n7ayN9LAJNu7VaCR0mAXKlGAY0FObYETEk25iEk-7G5NCP94QpoEklyf0YnQvSxJ-UEf1SDW8f1cxoz4yxmtqyfKRgcWlKFgO_ylKnnS9OBeuBdp1TbAO0HO0Nzgk14qteNVwAl4yyqUGUFRAMBY_7X0kjz1SHXPGok7nA/s320/IMG_20190327_081536.jpg" width="180" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHhgi0NZNJMKvaa0K-UnT3V6Kmn2NsppInLCv4QpL44-7hoQ2L8R27kBKRZNxL9q_-6RqK__BRas3ySHtuKucvLzT3G-GgfO6aN6UT2Nalf9r9lu7pMKGm00vCxCi7CEEEhqzhFaegcBV-3b7iNtHZblCdTsQfkH_r_6yVQRw_cotOIXfjqrIKEyDD/s4608/IMG_20190327_081540.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4608" data-original-width="2592" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHhgi0NZNJMKvaa0K-UnT3V6Kmn2NsppInLCv4QpL44-7hoQ2L8R27kBKRZNxL9q_-6RqK__BRas3ySHtuKucvLzT3G-GgfO6aN6UT2Nalf9r9lu7pMKGm00vCxCi7CEEEhqzhFaegcBV-3b7iNtHZblCdTsQfkH_r_6yVQRw_cotOIXfjqrIKEyDD/s320/IMG_20190327_081540.jpg" width="180" /></a></div><br /> <p></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-23100357402058125942022-07-09T00:16:00.006-07:002022-10-26T06:38:49.664-07:00Struktur Modal Dengan DER<h2 style="text-align: left;"><span style="background: white; font-family: "Times New Roman", serif; font-size: medium; font-weight: normal; line-height: 200%; text-align: justify; text-indent: 14.2pt;">Struktur modal atau <em>capital structure</em> mengacu
pada jumlah utang dan atau ekuitas yang digunakan oleh perusahaan untuk
mendanai operasinya dan membiayai asetnya. </span><span style="font-family: "Times New Roman", serif; font-size: medium; font-weight: normal; line-height: 200%; text-align: justify; text-indent: 14.2pt;">Struktur modal adalah
perbandingan antara modal sendiri dan modal asing. Modal sendiri terbagi atas
laba ditahan dan penyertaan kepemilikan perusahaan, sedangkan modal asing
adalah utang jangka panjang maupun jangka pendek. Struktur modal yang optimal
adalah struktur modal yang mengoptimalkan keseimbangan antara risiko dan
pengembalian sehingga memaksimumkan harga saham. Untuk itu, dalam penetapan
struktur modal suatu perusahaan perlu mempertimbangkan berbagai variabel yang
memengaruhinya. Struktur modal merupakan masalah yang penting bagi perusahaan
karena baik buruknya struktur modal akan mempunyai efek langsung terhadap
posisi finansial perusahaan, terutama dengan adanya hutang yang sangat besar
akan memberikan beban kepada perusahaan. </span></h2><h2 style="text-align: left;"><i style="font-size: medium; font-weight: normal;"><span style="font-family: "Times New Roman", serif;">>> Debt to Equity Ratio</span></i><span style="font-family: "Times New Roman", serif; font-size: medium; font-weight: normal;"> (DER) dapat digunakan untuk mengukur kemampuan perusahaan dalam
mengembalikan biaya hutang melalui modal sendiri yang dimilikinya, dengan
diukur melalui total hutang dan total modal (ekuitas) </span></h2>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-61652603057413417992022-07-09T00:16:00.005-07:002022-07-09T00:16:52.233-07:00Profitabilitas Dengan ROA<p> </p><p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: 10.0pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 14.2pt;"><a name="_Hlk53326229"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">Rasio
Profitabilitas merupakan rasio yang digunakan untuk mengukur kemampuan
perusahaan dalam menghasilkan laba dari aktivitas normal bisnisnya. Rasio
profitabilitas dikenal juga sebagai rasio rentabilitas. Disamping bertujuan
untuk mengetahui kemampuan perusahaan dalam laba selama periode tertentu. </span></a></p>
<p class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: 10.0pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify; text-indent: 14.2pt;"><span style="mso-bookmark: _Hlk53326229;"><i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">Return On Assets </span></i></span><span style="mso-bookmark: _Hlk53326229;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">(ROA) atau hasil pengembalian aset
</span></span><span style="mso-bookmark: _Hlk53326229;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">merupakan rasio yang menunjukkan
seberapa besar kontribusi aset dalam menciptakan laba bersih. Dengan kata lain,
rasio<span style="mso-spacerun: yes;"> </span>ini digunakan untuk mengukur
seberapa besar jumlah laba bersih yang akan dihasilkan dari setiap rupiah dana
yang tertanam dalam total aset. Semakin tinggi hasil pengembalian aset berarti
semakin tinggi pula jumlah laba bersih yang dihasilkan dari setiap rupiah dana
yang tertanam dalam total<span style="letter-spacing: -.05pt;"> </span>asset.</span></span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-38993685917079079022022-07-09T00:06:00.010-07:002022-10-26T06:39:08.789-07:00Nilai Perusahaan<p> </p><p class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: 10.0pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; margin: 0in 0in 10pt 35.45pt; mso-add-space: auto; text-align: justify; text-indent: 14.2pt;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 200%;">Nilai perusahaan adalah Rasio nilai
pasar yaitu rasio yang menggambarkan kondisi yang terjadi di pasar. Rasio ini
mampu memberi pemahaman bagi pihak perusahaan terhadap kondisi penerapan yang
akan dilaksanakan dan dampaknya pada masa yang akan datang</span><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 200%;">.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: 10.0pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; margin: 0in 0in 10pt 35.45pt; mso-add-space: auto; text-align: justify; text-indent: 14.2pt;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 200%;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 200%;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhD6GuzOZ-l3Wd99yLNHrjiuj2h3PDIUcvSZ_Mc3QqMUukh0VA_Gkb81ZVHyp9u5PrA4VqnCItnczBEYEzyJcrbn_cEOrFvYky4kgTW0cFq0UIVl0f7HDShPOtObQiB6k_Bp3FPVTydxPHlYHqjdUze87tOEvr-oykgrF255GnP3x7hx6enzH6irIaT/s584/PBVV%20fox.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="373" data-original-width="584" height="204" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhD6GuzOZ-l3Wd99yLNHrjiuj2h3PDIUcvSZ_Mc3QqMUukh0VA_Gkb81ZVHyp9u5PrA4VqnCItnczBEYEzyJcrbn_cEOrFvYky4kgTW0cFq0UIVl0f7HDShPOtObQiB6k_Bp3FPVTydxPHlYHqjdUze87tOEvr-oykgrF255GnP3x7hx6enzH6irIaT/s320/PBVV%20fox.png" width="320" /></a></span></div><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 200%;"><i style="font-family: "Times New Roman"; font-size: medium; mso-bidi-font-style: normal; text-indent: 18.9333px;"><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 32px; mso-ansi-language: IN;">Price Book Value</span></i>(PBV) </span><span lang="IN" style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 200%; mso-ansi-language: IN;">merupakan salah satu variabel yang dipertimbangkan
seorang investor dalam menentukan saham mana yang akan dibeli. Nilai perusahaan
dapat memberikan keuntungan pemegang saham secara maksimum apabila harga saham
perusahaan meningkat. Semakin tinggi harga saham, maka makin tinggi kekayaan
pemegang saham</span><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 200%;">.</span><p></p>
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" strokecolor="black [3040]"/><![endif]--><!--[if !vml]--><span style="height: 3px; left: 0px; margin-left: 117px; margin-top: 139px; mso-ignore: vglayout; position: absolute; width: 468px; z-index: 251708416;"><br /></span><!--[endif]--><br /></p><div class="separator" style="clear: both; text-align: center;"><br /></div><p></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-22675409962393735762022-07-09T00:01:00.008-07:002022-07-09T00:01:54.128-07:00Teori Stakeholder<p> </p><p class="MsoListParagraph" style="line-height: 200%; margin-left: 35.45pt; mso-add-space: auto; text-align: justify; text-indent: 14.2pt;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 10.0pt;">Teori
Stakeholder ini menjelaskan tentang suatu perusahaan yang melakukan kegiatan
operasionalnya tidak untuk kepentingannya sendiri melainkan harus memberikan
suatu manfaat atau keuntungan bagi stakeholdernya. Karena perusahaan dalam
menjalankan bisnisnya tidak hanya mementingkan keuntungan yang hanya diterima
perusahaan tetapi juga berusaha untuk memberikan hasil yang baik atau hasil
yang positif kepada stakeholder agar perusahaan memenuhi kebutuhan yang
diberikan kepada stakeholder.</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;"> <i style="mso-bidi-font-style: normal;">Stakeholder theory</i> menyatakan bahwa
perusahaan bukanlah entitas yang hanya beroperasi untuk kepentingan perusahaan,
namun juga harus memberikan manfaat bagi stakeholder (pemegang saham, kreditor,
konsumen, pemasok, analis, karyawan, pemerintah, dan pihak lain seperti
masyarakat yang merupakan bagian dari lingkungan sosial).<o:p></o:p></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-3690974737392653582022-07-09T00:01:00.001-07:002022-07-09T00:01:07.038-07:00Signaling Theory<p> I<span style="font-family: "Times New Roman", serif; font-size: 12pt; text-align: justify; text-indent: 14.2pt;">syarat
atau signal adalah suatu tindakan yang diambil perusahaan untuk memberi
petunjuk bagi investor tentang bagaimana manajemen memandang prospek
perusahaan. Teori Sinyal ini berupa informasi mengenai apa yang sudah dilakukan
oleh manajemen untuk merealisasikan keinginan pemilik. Informasi yang
dikeluarkan oleh perusahaan merupakan hal yang penting, karena pengaruhnya
terhadap keputusan investasi pihak diluar perusahaan. Informasi tersebut
penting bagi investor dan pelaku bisnis. Karena informasi pada hakekatnya
menyajikan keterangan, catatan atau gambaran, baik untuk keadaan masa lalu,
saat ini maupun masa yang akan datang bagi kelangsungan hidup perusahaan dan
bagaimana efeknya pada perusahaan. </span></p><p><span style="font-family: "Times New Roman", serif; font-size: 12pt; text-align: justify; text-indent: 14.2pt;">Teori
sinyal menjelaskan mengapa perusahaan mempunyai dorongan untuk memberikan
informasi laporan keuangan pada pihak eksternal. Dorongan perusahaan untuk
memberikan informasi karena terdapat asimetri informasi antara perusahaan dan
pihak luar, karena perusahaan mengetahui lebih banyak mengenai perusahaan dan
prospek yang akan datang dari pihak luar. Perusahaan-perusahaan yang mempunyai
earning yang semakin meningkat merupakan signal yang baik bagi investor dan
calon investor bahwa perusahaan tersebut mempunyai prospek bagus dimasa yang
akan datang, dengan demikian akan merangsang investor untuk memanamkan modalnya
sehingga nilai perusahaan akan ikut naik.</span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-36177594754302064302022-07-08T23:59:00.004-07:002022-07-08T23:59:50.278-07:00Teory Legitimasi<p> </p><p class="MsoListParagraph" style="line-height: 200%; margin-left: 35.45pt; mso-add-space: auto; text-align: justify; text-indent: 14.2pt;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 200%;">Teori legitimasi
(Legitimacy Theory) berfokus pada interaksi antara perusahaan dengan
masyarakat. Teori ini menyatakan bahwa organisasi adalah bagian dari masyarakat
sehingga harus memperhatikan norma-norma sosial kemasyarakatan karena
kesesuaian dengan norma sosial dapat membuat perusahaan semakin legitimate
(sah). Teori legitimasi menganjurkan perusahaan untuk meyakinkan bahwa
aktivitas dan kinerjanya dapat diterima oleh masyarakat. Perusahaan menggunakan
laporan tahunan mereka untuk menggambarkan kesan tanggung jawab lingkungan,
sehingga mereka diterima oleh masyarakat. Untuk tetap mendapatkan legitimasi
maka organisasi perusahaan harus mengkomunikasikan aktivitas lingkungan dengan
melakukan pengungkapan lingkungan sosial. Pengungkapan
lingkungan dinilai bermanfaat untuk memulihkan, meningkatkan, dan
mempertahankan legitimasi yang telah diterima.<o:p></o:p></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-28468232606330627342020-11-26T05:20:00.002-08:002022-10-26T06:39:47.714-07:00Teori Perilaku Konsumtif<p> </p><div class="WordSection1">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 12.0pt; margin-top: 1.0pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 12.0pt;"><o:p> </o:p></span></p>
<p align="center" class="MsoNormal" style="line-height: 187%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 164.1pt; margin-right: 152.85pt; margin-top: 1.45pt; text-align: center;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 187%;">BAB II LANDA<span style="letter-spacing: .05pt;">S</span>AN TEORI</span></b><span lang="EN-US" style="font-size: 12.0pt; line-height: 187%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 6.0pt; margin-top: .15pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 6.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p align="center" class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 159.25pt; margin-right: 144.8pt; margin-top: 0cm; text-align: center;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">A.
<span style="letter-spacing: .35pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>ila<span style="letter-spacing: .05pt;">k</span>u<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">K</span>o<span style="letter-spacing: .05pt;">n</span>s<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: -.05pt;">t</span>if</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .8pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 17.05pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">1.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">rt</span>ian<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: -.05pt;">er</span>ila<span style="letter-spacing: .05pt;">k</span>u<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">K</span><span style="letter-spacing: .1pt;">o</span><span style="letter-spacing: .05pt;">n</span>s<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: -.05pt;">t</span>if</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.35pt; margin-top: 0cm; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">P</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">er</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">il<span style="letter-spacing: -.05pt;">a</span>ku<span style="mso-spacerun: yes;"> </span>konsumtif<span style="mso-spacerun: yes;">
</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: -.1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>di<span style="letter-spacing: -.05pt;">ar</span>tik<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="mso-spacerun: yes;">
</span>tind<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .1pt;"> </span>tun<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">ar</span>ti<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>,<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>lum<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>bis<span style="letter-spacing: .35pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>bu<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dip<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g t<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">u</span>n<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .15pt;"> </span>j<span style="letter-spacing: -.05pt;">e</span>nis<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g s<span style="letter-spacing: -.05pt;">a</span>ma<span style="letter-spacing: .1pt;"> d</span><span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .15pt;"> </span>l<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;">nn</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>dis<span style="letter-spacing: -.05pt;">e</span>butk<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">ara</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>na<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.1pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dit<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">are</span>na<span style="letter-spacing: .1pt;"> b</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .15pt;"> </span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: .05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">ara</span><span style="letter-spacing: .1pt;">n</span>g
t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>s<span style="letter-spacing: -.05pt;">e</span>but<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">S</span>um<span style="letter-spacing: -.05pt;">ar</span>tono
(d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>En<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>,<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>2002).<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>konsumtif<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">er</span>s<span style="letter-spacing: -.05pt;">e</span>but<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">ara</span>h<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a<span style="mso-spacerun: yes;">
</span>suka b<span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>nja
(<i style="mso-bidi-font-style: normal;">shopoholi<span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .15pt;">s</span></i>),<span style="letter-spacing: .05pt;"> </span>pola konsumsi,<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>bi<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .3pt;">i</span><span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nting s<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">er</span>ti<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .1pt;"> </span>ul<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>hun,<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>k<span style="letter-spacing: -.05pt;">a</span>wi<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .25pt;"> </span><i style="mso-bidi-font-style: normal;">s<span style="letter-spacing: -.05pt;">y</span>u<span style="letter-spacing: -.05pt;">k</span>uran</i>,<span style="letter-spacing: .2pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span>di<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">re</span>sto<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>n.<span style="letter-spacing: .1pt;"> </span>B<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i
o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">-</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g mod<span style="letter-spacing: -.05pt;">er</span>n,<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: .05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: .1pt;">e</span>m<span style="letter-spacing: -.05pt;">aca</span>m<span style="letter-spacing: .15pt;"> </span>ini<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;"> </span>dil<span style="letter-spacing: -.05pt;">a</span>kuk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>mi<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>si<span style="letter-spacing: .25pt;"> </span>di<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>ta o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>l<span style="letter-spacing: -.05pt;">a</span>in.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.6pt; margin-top: .4pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">D<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>di<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>disimpulk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa <span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .05pt;"> </span>konsumtif<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h pola<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span>individu<span style="letter-spacing: .25pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>ng di<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>tind<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>bi<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n,<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 1.05pt;"><span style="mso-spacerun: yes;"> </span></span>juga m<span style="letter-spacing: -.05pt;">e</span>ngg<span style="letter-spacing: -.05pt;">a</span>mb<span style="letter-spacing: -.05pt;">ar</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">i</span>m<span style="letter-spacing: -.05pt;">a</span>na
individu<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">er</span>int<span style="letter-spacing: -.05pt;">e</span>g<span style="letter-spacing: -.05pt;">ra</span>si<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>lin<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n
m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">cer</span>mink<span style="letter-spacing: -.05pt;">a</span>n individu d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m b<span style="letter-spacing: -.05pt;">er</span>bu<span style="letter-spacing: -.05pt;">a</span>t
d<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span>p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku.
<span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>in itu,<span style="letter-spacing: .1pt;">
</span>p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku konsumtif<span style="letter-spacing: .1pt;"> </span>ju<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">rar</span>ti<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span>pola<span style="letter-spacing: .05pt;"> </span>hidup<span style="letter-spacing: .25pt;"> </span>individu<span style="letter-spacing: .25pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g di<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .45pt;"> </span>min<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .5pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .45pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .4pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .5pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: .05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .45pt;"> </span>u<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .4pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .45pt;"> </span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>im<span style="letter-spacing: -.05pt;">a</span>na<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 0cm; margin-top: .5pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 12.0pt; mso-text-raise: -.5pt; position: relative; top: .5pt;">m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>biskan w<span style="letter-spacing: -.05pt;">a</span>ktu.</span><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 6.0pt; margin-top: .45pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 6.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 24.25pt; margin-right: 0cm; margin-top: 1.45pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">2.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.15pt;">F</span>a<span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">t</span>o<span style="letter-spacing: .1pt;">r-</span><span style="letter-spacing: -.15pt;">F</span>a<span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">t</span>or<span style="letter-spacing: -.05pt;"> </span>Ya<span style="letter-spacing: .05pt;">n</span>g
<span style="letter-spacing: .05pt;">Me</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>ga<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">uh</span>i <span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>ila<span style="letter-spacing: .05pt;">k</span>u<span style="letter-spacing: -.1pt;"> K</span>o<span style="letter-spacing: .05pt;">n</span>s<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: -.05pt;">mt</span>if</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.9pt; margin-top: 0cm; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">Ada<span style="letter-spacing: 2.2pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: -.05pt;">fa</span>ktor<span style="letter-spacing: 2.45pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.25pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">ar</span>uhi<span style="letter-spacing: 2.3pt;"> </span>p<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: 2.25pt;"> </span>konsumtif<span style="letter-spacing: 2.35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>itu<span style="letter-spacing: 2.25pt;"> </span><span style="letter-spacing: -.05pt;">fa</span>ktor <span style="letter-spacing: -.05pt;">e</span>kt<span style="letter-spacing: -.05pt;">er</span>n<span style="letter-spacing: -.05pt;">a</span>l
d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">
</span><span style="letter-spacing: -.05pt;">fa</span>ktor<span style="letter-spacing: -.05pt;"> </span>int<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>l.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 38.3pt; margin-right: 0cm; margin-top: .5pt;"><span lang="EN-US" style="font-size: 12.0pt;">1.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="letter-spacing: -.05pt;"> e</span>ks<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">er</span>n<span style="letter-spacing: -.05pt;">a</span>l s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>ti
ikl<span style="letter-spacing: -.05pt;">a</span>n, k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">a</span>ktor<span style="letter-spacing: .05pt;"> </span>lin<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>n<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .8pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 56.3pt; margin-right: 7.55pt; margin-top: 0cm; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">2.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="letter-spacing: 2.0pt;"> </span>int<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: 2.05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .15pt;">t</span>i<span style="letter-spacing: 2.05pt;"> </span>motiv<span style="letter-spacing: -.05pt;">a</span>si,<span style="letter-spacing: 2.1pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>os<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: 2.05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: 2.1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.05pt;"> </span>kons<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: 2.05pt;"> </span>di<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: 2.2pt;"> </span><span style="letter-spacing: .1pt;">(</span><span style="letter-spacing: -.15pt;">L</span>i<span style="letter-spacing: .1pt;">n</span>a<span style="letter-spacing: 2.15pt;"> </span>&
Ro<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.35pt;">y</span>i<span style="letter-spacing: .05pt;">d</span>, <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.15pt;">I</span>nd<span style="letter-spacing: -.05pt;">a</span>h, 2<span style="letter-spacing: .1pt;">0</span>13)<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.75pt; margin-top: .5pt; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">M<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: 1.45pt;"> </span>(M<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>kun<span style="letter-spacing: .05pt;">e</span>g<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .05pt;">a</span>,<span style="letter-spacing: 1.45pt;"> </span>2002)<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: -.05pt;">fa</span>ktor<span style="letter-spacing: 1.65pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 1.3pt;"> </span>m<span style="letter-spacing: .05pt;">e</span>mp<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">ar</span>uhi<span style="letter-spacing: 1.45pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: -.05pt;">e</span>ntuk<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.1pt;">y</span>a p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku konsumtif<span style="letter-spacing: -.05pt;"> a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">a</span>h :<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.75pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">1.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor <span style="letter-spacing: 1.75pt;"><span style="mso-spacerun: yes;"> </span></span>bu<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>, <span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>bu<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: 1.85pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t
<span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>did<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">e</span>nisik<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i <span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>h<span style="letter-spacing: -.05pt;">a</span>sil
<span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">ea</span>tivit<span style="letter-spacing: -.05pt;">a</span>s m<span style="letter-spacing: -.05pt;">a</span>nusia<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">ar</span>i<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">a</span>tu<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.05pt;">era</span>si<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>ke<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>g<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>si<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">er</span>ikut<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>ntuk<span style="letter-spacing: -.05pt;">a</span>n
b<span style="letter-spacing: -.05pt;">e</span>ntuk <span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span>ku d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>hidu<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>ota m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.55pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">2.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="letter-spacing: 1.25pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: 1.3pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l,<span style="letter-spacing: 1.3pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">a</span>s<span style="letter-spacing: 1.3pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: 1.3pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>lompok<span style="letter-spacing: 1.45pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 1.2pt;"> </span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">er</span>di<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: 1.3pt;"> </span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>i s<span style="letter-spacing: -.05pt;">e</span>juml<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mpu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> k</span><span style="letter-spacing: -.05pt;">e</span>duduk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
s<span style="letter-spacing: -.05pt;">e</span>imb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t.<span style="letter-spacing: .05pt;"> </span>M<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: .05pt;"> W</span><span style="letter-spacing: -.05pt;">er</span>n<span style="letter-spacing: -.05pt;">e</span>r
<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>dib<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nj<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: .05pt;"> </span>ti<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .25pt;">g</span>olo<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n,
<span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: -.05pt;">ar</span>a<span style="letter-spacing: -.05pt;"> </span>l<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">n</span>: k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>s
sosi<span style="letter-spacing: -.05pt;">a</span>l k<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s,
m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>h,<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">re</span>nd<span style="letter-spacing: -.05pt;">a</span>h.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.6pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">3.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.4pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>lompok<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.45pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>nut<span style="letter-spacing: -.05pt;">a</span>n,<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 1.45pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>lompok<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.45pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>nut<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.55pt;"><span style="mso-spacerun: yes;"> </span></span>did<span style="letter-spacing: -.05pt;">efe</span>nisik<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.45pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i
k<span style="letter-spacing: -.05pt;">e</span>lompok<span style="mso-spacerun: yes;"> </span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">ar</span>uhi<span style="mso-spacerun: yes;"> </span>sik<span style="letter-spacing: -.05pt;">a</span>p,
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t,<span style="mso-spacerun: yes;">
</span>no<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>,<span style="mso-spacerun: yes;"> </span>d<span style="letter-spacing: .05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku konsum<span style="letter-spacing: -.05pt;">e</span>n. <span style="letter-spacing: .05pt;">Pe</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>uh
k<span style="letter-spacing: -.05pt;">e</span>lompo<span style="letter-spacing: .15pt;">k</span><span style="letter-spacing: -.05pt;">-</span>k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .1pt;">o</span>mpok
<span style="letter-spacing: -.05pt;">a</span>nut<span style="letter-spacing: -.05pt;">a</span>n t<span style="letter-spacing: -.05pt;">er</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p
p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .05pt;"> </span>konsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>a l<span style="letter-spacing: -.05pt;">a</span>in<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>ntuk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">er</span>k<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g m<span style="letter-spacing: -.05pt;">ere</span>ka<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>s<span style="letter-spacing: .05pt;">e</span>su<span style="letter-spacing: -.05pt;">a</span>i
d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: -.05pt;">a</span>spi<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>si k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .1pt;">o</span>mpok.
K<span style="letter-spacing: -.05pt;">e</span>lompok <span style="letter-spacing: -.05pt;">a</span>nut<span style="letter-spacing: -.05pt;">a</span>n ini t<span style="letter-spacing: -.05pt;">er</span>di<span style="letter-spacing: -.05pt;">r</span>i
d<span style="letter-spacing: -.05pt;">ar</span>i k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>g<span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lompok
d<span style="letter-spacing: -.05pt;">a</span>n o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>nis<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>t<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .25pt;">t</span>u.<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection2">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.8pt; margin-top: 1.45pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">4.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="letter-spacing: .65pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .05pt;">ar</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .7pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .05pt;">ar</span>ga<span style="letter-spacing: .65pt;"> </span>m<span style="letter-spacing: -.05pt;">er</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .7pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .7pt;"> </span>unit<span style="letter-spacing: .7pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .85pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .6pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>k<span style="letter-spacing: -.05pt;">ec</span><span style="letter-spacing: -.1pt;">i</span>l <span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">ar</span>uhi<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: .05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>ntuk<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>mbil k<span style="letter-spacing: -.05pt;">e</span>putus<span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.7pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">5.<span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">m</span>a b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: -.05pt;">ar</span>,<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>di<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">e</span>nisik<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu
p<span style="letter-spacing: -.05pt;">er</span>ub<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span>ku <span style="letter-spacing: -.05pt;">a</span>ki<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>n s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>. <span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku
konsum<span style="letter-spacing: -.15pt;">e</span>n d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t dip<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: -.05pt;">ar</span>i <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">are</span><span style="letter-spacing: .1pt;">n</span>a<span style="letter-spacing: -.05pt;"> </span>s<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t
dip<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">ar</span>uhi ol<span style="letter-spacing: -.05pt;">e</span>h p<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>n b<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.45pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">6.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="letter-spacing: 1.85pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">r</span>ib<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: 2.0pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: .05pt;">r</span>ib<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span>m<span style="letter-spacing: -.05pt;">er</span>u<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span>s<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: 1.9pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>ntuk<span style="letter-spacing: 1.9pt;"> </span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: 1.9pt;"> </span>si<span style="letter-spacing: -.05pt;">fa</span><span style="letter-spacing: .3pt;">t</span><span style="letter-spacing: -.05pt;">-</span>si<span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">a</span>t
<span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a
p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a
di<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">i</span>ndividu<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .2pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>ntuk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>. K<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">r</span>ib<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>n
konsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">ar</span>uhi
p<span style="letter-spacing: .05pt;">er</span>s<span style="letter-spacing: -.05pt;">e</span>psi
d<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>mbil<span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span>putus<span style="letter-spacing: -.05pt;">a</span>n d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .15pt;">i</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.55pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">7.<span style="letter-spacing: .65pt;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor sik<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: .2pt;">e</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .2pt;">a</span>kin<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .05pt;"> </span>sik<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nil<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: .1pt;">o</span><span style="letter-spacing: -.1pt;">g</span>nitif
s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .25pt;"> </span>s<span style="letter-spacing: .1pt;">u</span>ka<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u<span style="letter-spacing: .25pt;"> </span>tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .15pt;"> </span>su<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">ra</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">e</span>mosion<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
tind<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">ce</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">er</span>u<span style="letter-spacing: .1pt;">n</span>g
k<span style="letter-spacing: -.05pt;">eara</span>h <span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i
obj<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .1pt;"> a</span>t<span style="letter-spacing: -.05pt;">a</span>u id<span style="letter-spacing: -.05pt;">e</span>. <span style="letter-spacing: .05pt;">S</span>ik<span style="letter-spacing: -.05pt;">a</span>p s<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>t m<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">ar</span>uhi
k<span style="letter-spacing: .2pt;">e</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>kin<span style="letter-spacing: .05pt;">a</span>n,
b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>itu
j<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: -.05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>lik<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .2pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.75pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">8.<span style="mso-spacerun: yes;"> </span>Kons<span style="letter-spacing: -.05pt;">e</span>p <span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>di<span style="letter-spacing: -.05pt;">r</span>i,
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>kons<span style="letter-spacing: -.05pt;">e</span>p <span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>di<span style="letter-spacing: -.05pt;">r</span>i
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>did<span style="letter-spacing: -.05pt;">efe</span>nisik<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i <span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">car</span>a
<span style="letter-spacing: .55pt;"><span style="mso-spacerun: yes;"> </span></span>kita
<span style="letter-spacing: .55pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>lih<span style="letter-spacing: -.05pt;">a</span>t <span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>di<span style="letter-spacing: -.05pt;">r</span>i
s<span style="letter-spacing: -.05pt;">e</span>ndi<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>w<span style="letter-spacing: -.05pt;">a</span>ktu<span style="letter-spacing: .25pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>t<span style="letter-spacing: -.05pt;">e</span>ntu<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>mb<span style="letter-spacing: .05pt;">ar</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>nt<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: -.05pt;">a</span>pa<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
kita piki<span style="letter-spacing: -.05pt;">r</span>k<span style="letter-spacing: -.05pt;">a</span>n.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.7pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">9.<span style="mso-spacerun: yes;"> </span>G<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>hidup,
<span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>hid<span style="letter-spacing: .1pt;">u</span>p <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">er</span>up<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .15pt;">s</span>u<span style="letter-spacing: -.05pt;">a</span>tu <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>ko<span style="letter-spacing: .1pt;">n</span>s<span style="letter-spacing: -.05pt;">e</span>p <span style="letter-spacing: .35pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>ling<span style="mso-spacerun: yes;">
</span>umum d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>mi<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span>u<span style="letter-spacing: .05pt;"> </span>konsum<span style="letter-spacing: -.05pt;">e</span>n,<span style="letter-spacing: .05pt;"> </span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
hid<span style="letter-spacing: .1pt;">u</span>p<span style="letter-spacing: .05pt;">
</span>m<span style="letter-spacing: -.05pt;">er</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .05pt;"> </span>po<span style="letter-spacing: -.1pt;">l</span>a <span style="letter-spacing: -.05pt;">r</span>utinit<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>hidup<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>ktivit<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g
d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>bisk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>w<span style="letter-spacing: -.05pt;">a</span>ktu d<span style="letter-spacing: -.05pt;">a</span>n
u<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>.<span style="letter-spacing: .15pt;"> </span>G<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>ngg<span style="letter-spacing: -.05pt;">a</span>mb<span style="letter-spacing: -.05pt;">ar</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>ktivit<span style="letter-spacing: .05pt;">a</span>s s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>, k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">er</span>t<span style="letter-spacing: -.05pt;">ar</span>ik<span style="letter-spacing: -.05pt;">a</span>n
d<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t
s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .1pt;">t</span><span style="letter-spacing: -.05pt;">er</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p
s<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>tu
h<span style="letter-spacing: -.05pt;">a</span>l.<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection3">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.65pt; margin-top: 1.45pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .1pt; line-height: 200%;">J</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">di<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>simpul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.35pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>dit<span style="letter-spacing: -.05pt;">ar</span>ik<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>ti<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .1pt;"> </span>konsumtif <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">er</span>u<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>ng tid<span style="letter-spacing: -.05pt;">a</span>k
did<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>tim<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>sion<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>miliki<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">ece</span>nd<span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>n<span style="letter-spacing: .2pt;"> </span>untuk m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>konsumsi<span style="letter-spacing: .05pt;">
</span>s<span style="letter-spacing: -.05pt;">e</span>su<span style="letter-spacing: .05pt;">a</span>tu<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: -.05pt;">a</span>npa b<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>dim<span style="letter-spacing: -.05pt;">a</span>na individu<span style="letter-spacing: .05pt;"> </span>l<span style="letter-spacing: -.05pt;">e</span>bih<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>ntin<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">fa</span>ktor k<span style="letter-spacing: -.05pt;">e</span>in<span style="letter-spacing: -.1pt;">g</span>in<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">ar</span>ip<span style="letter-spacing: -.05pt;">a</span>da
<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .1pt;">u</span>tuh<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">er</span>ta
dit<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
k<span style="letter-spacing: -.05pt;">e</span>hidup<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">er</span>ik<span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>n
d<span style="letter-spacing: .05pt;">a</span>n k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">f</span>isik.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 8.0pt; margin-top: .3pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 8.5pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 24.25pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">3. <span style="letter-spacing: 2.9pt;"><span style="mso-spacerun: yes;"> </span></span>As<span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">-</span>as<span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: -.05pt;">er</span>ila<span style="letter-spacing: .05pt;">k</span>u<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">K</span>o<span style="letter-spacing: .05pt;">n</span>s<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: -.05pt;">mt</span>if</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 199%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.6pt; margin-top: 0cm; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 199%;">M<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut
<span style="letter-spacing: .05pt;">S</span>um<span style="letter-spacing: -.05pt;">ar</span>tono
(<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m End<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>,
2013),<span style="letter-spacing: .1pt;"> d</span><span style="letter-spacing: -.05pt;">efe</span>nisi<span style="letter-spacing: .15pt;"> </span>kons<span style="letter-spacing: -.05pt;">e</span>p <span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku
konsumtif<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>tl<span style="letter-spacing: -.05pt;">a</span>h <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>v<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>ti<span style="letter-spacing: -.05pt;">f</span>, <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">a</span>pi <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="mso-spacerun: yes;"> </span>inti<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.1pt;">y</span>a<span style="mso-spacerun: yes;">
</span>mu<span style="letter-spacing: -.05pt;">ar</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">ar</span>i <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a<span style="mso-spacerun: yes;"> </span>p<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>ti<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="mso-spacerun: yes;">
</span>konsumtif<span style="letter-spacing: 2.95pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;">
</span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="mso-spacerun: yes;"> </span>b<span style="letter-spacing: -.05pt;">ara</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.85pt;"> </span>t<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>pa<span style="letter-spacing: 2.95pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>timb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">ra</span>si<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">o</span>n<span style="letter-spacing: -.05pt;">a</span>l<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u buk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>r
k<span style="letter-spacing: .05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>pokok.<span style="letter-spacing: .05pt;"> S</span>um<span style="letter-spacing: -.15pt;">a</span><span style="letter-spacing: -.05pt;">r</span>tono<span style="letter-spacing: .05pt;"> </span>(d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> </span>End<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span>,<span style="letter-spacing: .15pt;"> </span>2013)
m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>pk<span style="letter-spacing: -.05pt;">a</span>n b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span>wa<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">eca</span><span style="letter-spacing: .15pt;">r</span>a<span style="letter-spacing: -.05pt;"> </span>op<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">ra</span>sion<span style="letter-spacing: -.05pt;">a</span>l <span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku konsumtif<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>itu:<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.5pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">a) <span style="letter-spacing: .95pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .05pt;">du</span>k<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">k</span>a<span style="letter-spacing: -.05pt;">ren</span>a<span style="letter-spacing: .15pt;"> </span>i<span style="letter-spacing: -.15pt;">m</span>i<span style="letter-spacing: .05pt;">n</span><span style="letter-spacing: .15pt;">g</span><span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.15pt;">m</span>i<span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">h</span>a<span style="letter-spacing: .05pt;">d</span>ia<span style="letter-spacing: .05pt;">h</span>.
</span></b><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.15pt; line-height: 200%;">I</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">ndividu<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu
b<span style="letter-spacing: -.05pt;">ara</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">are</span><span style="letter-spacing: .15pt;">n</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dit<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .3pt;"> </span>jika<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">ara</span><span style="letter-spacing: .1pt;">n</span>g t<span style="letter-spacing: -.05pt;">er</span>s<span style="letter-spacing: -.05pt;">e</span>but. <span style="letter-spacing: .1pt;">H</span><span style="letter-spacing: -.05pt;">a</span>l ini <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">er</span>ik<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>miki<span style="letter-spacing: -.05pt;">ra</span>n<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .05pt;"> </span>konsum<span style="letter-spacing: -.05pt;">e</span>n
<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">w</span>a h<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: -.05pt;">a</span>r<span style="mso-spacerun: yes;"> </span>s<span style="letter-spacing: -.05pt;">a</span>tu
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">r</span>oduk <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>konsum<span style="letter-spacing: -.05pt;">e</span>n
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: .05pt;">a</span>n p<span style="letter-spacing: -.05pt;">r</span>oduk
l<span style="letter-spacing: -.05pt;">e</span>bih.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.65pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">b</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .05pt;">du</span>k<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">k</span>a<span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .05pt;">n</span>a<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">ke</span><span style="letter-spacing: -.15pt;">m</span>asan<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>a<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .05pt;">k</span>.<span style="letter-spacing: .4pt;"> </span></span></b><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .1pt; line-height: 200%;">K</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">onsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .2pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t mud<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>bujuk<span style="letter-spacing: .1pt;"> </span>untuk<span style="letter-spacing: .25pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
d<span style="letter-spacing: .15pt;">i</span>bun<span style="letter-spacing: -.1pt;">g</span>kus<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .05pt;"> r</span><span style="letter-spacing: -.05pt;">a</span>pi<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
dihi<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">ar</span>n<span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: -.05pt;">-</span>w<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>na<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">ar</span>ik.<span style="letter-spacing: .15pt;"> </span>A<span style="letter-spacing: -.05pt;">r</span>ti<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.1pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>untuk<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk t<span style="letter-spacing: -.05pt;">er</span>s<span style="letter-spacing: -.05pt;">e</span>but <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>h<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>na <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="mso-spacerun: yes;"> </span>t<span style="letter-spacing: -.05pt;">er</span>s<span style="letter-spacing: -.05pt;">e</span>but <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>dib<span style="letter-spacing: .1pt;">u</span>n<span style="letter-spacing: -.1pt;">g</span>kus<span style="mso-spacerun: yes;">
</span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>pi <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: .05pt;">a</span>n
m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">ar</span>ik.<span style="letter-spacing: 2.85pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">r</span>oduk<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.75pt;"> </span>dibun<span style="letter-spacing: -.1pt;">g</span>kus<span style="letter-spacing: 2.85pt;"> </span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">a</span>pi<span style="letter-spacing: 2.9pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.85pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mbu<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 2.9pt;"> </span>d<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 2.8pt;"> </span>t<span style="letter-spacing: -.05pt;">ar</span>ik<span style="letter-spacing: 2.85pt;"> </span>l<span style="letter-spacing: -.05pt;">e</span>bih<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection4">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.7pt; margin-top: 1.45pt; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">k<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .1pt;"> </span>konsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>hing<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .1pt;"> </span>konsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span>ih<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>t<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>ik<span style="letter-spacing: .15pt;"> </span>untuk m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li p<span style="letter-spacing: -.05pt;">r</span>oduk
t<span style="letter-spacing: -.05pt;">er</span>s<span style="letter-spacing: -.05pt;">e</span>bu<span style="letter-spacing: .15pt;">t</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.25pt; margin-right: 0cm; margin-top: .75pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">c</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">)
<span style="letter-spacing: 2.7pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span>li<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .05pt;">du</span>k<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.15pt;">em</span>i<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 1.3pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">me</span><span style="letter-spacing: .05pt;">n</span><span style="letter-spacing: -.05pt;">j</span>aga<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>a<span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: .15pt;">i</span>lan<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">d</span>i<span style="letter-spacing: -.05pt;">r</span>i<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">d</span>an<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span>g<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: -.1pt;">si</span>.</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.7pt; margin-top: 0cm; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">Konsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>mpu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>in<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
ti<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>na
umum<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;">r</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="mso-spacerun: yes;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">m</span>pu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">r</span>i <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>kh<span style="letter-spacing: -.05pt;">a</span>s
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m
<span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">er</span>p<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>n, <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">er</span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: -.1pt;">n</span>,
<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>tuju<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>r <span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>ja
s<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>lu
b<span style="letter-spacing: -.05pt;">er</span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>mpil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">ar</span>ik<span style="letter-spacing: .1pt;"> p</span><span style="letter-spacing: -.05pt;">er</span>h<span style="letter-spacing: -.05pt;">a</span>ti<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>o<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">a</span>ng
l<span style="letter-spacing: -.05pt;">a</span>in,<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>nj<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n
u<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 2.55pt;"> </span>l<span style="letter-spacing: -.05pt;">e</span>bih<span style="letter-spacing: 2.5pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: .1pt;">u</span>ntuk<span style="letter-spacing: 2.5pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nunj<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: 2.4pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">m</span>pil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.5pt;"> </span>di<span style="letter-spacing: -.05pt;">r</span>i.<span style="letter-spacing: 2.5pt;"> </span>H<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: 2.5pt;"> </span>ini<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.15pt;">a</span>n l<span style="letter-spacing: -.05pt;">e</span>bih<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nunj<span style="letter-spacing: -.05pt;">a</span>ng <span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">m</span>pil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>su<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>miliki p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>mpil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .15pt;">i</span>k.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.25pt; margin-right: 0cm; margin-top: .75pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">d</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">)
<span style="letter-spacing: 1.3pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .05pt;">du</span>k<span style="letter-spacing: 1.35pt;"> </span>a<span style="letter-spacing: -.05pt;">t</span>as<span style="letter-spacing: 1.2pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">ert</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">b</span>a<span style="letter-spacing: .05pt;">n</span>gan<span style="letter-spacing: 1.35pt;"> </span><span style="letter-spacing: .05pt;">h</span>a<span style="letter-spacing: -.05pt;">r</span>ga<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: -.15pt;">m</span>a<span style="letter-spacing: .05pt;">h</span>al<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: -.05pt;">d</span>ia<span style="letter-spacing: .05pt;">n</span>ggap<span style="letter-spacing: 1.55pt;"> </span><i style="mso-bidi-font-style: normal;">pr<span style="letter-spacing: -.05pt;">e</span>stig<span style="letter-spacing: -.1pt;">e</span></i>.</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.5pt; margin-top: 0cm; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">Konsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">j</span>a<span style="letter-spacing: .05pt;"> c</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">er</span>u<span style="letter-spacing: .1pt;">n</span>g
b<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>p<span style="letter-spacing: -.05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span>dit<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a k<span style="letter-spacing: -.05pt;">e</span>hidup<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>w<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .15pt;">i</span>ng<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .05pt;"> c</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">n</span>g m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: .15pt;">g</span>un<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>la<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g di<span style="letter-spacing: -.05pt;">a</span>ngg<span style="letter-spacing: -.05pt;">a</span>p<span style="mso-spacerun: yes;">
</span>p<span style="letter-spacing: -.05pt;">a</span>li<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.85pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>w<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span>,<span style="mso-spacerun: yes;">
</span>individu<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span>m<span style="letter-spacing: -.05pt;">era</span>sa
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>l<span style="letter-spacing: -.05pt;">e</span>bih<span style="mso-spacerun: yes;">
</span>p<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 2.95pt;"> </span>di<span style="letter-spacing: -.05pt;">r</span>i<span style="mso-spacerun: yes;">
</span>d<span style="letter-spacing: -.05pt;">a</span>n dih<span style="letter-spacing: -.05pt;">ar</span>g<span style="letter-spacing: -.05pt;">a</span>i
k<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>u
<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">ara</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: .05pt;">g</span><span style="letter-spacing: -.05pt;">-</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>dik<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h
p<span style="letter-spacing: -.05pt;">r</span>oduk m<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>l.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.5pt; margin-top: .5pt; text-align: justify; text-indent: -18.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="letter-spacing: .85pt;"> </span><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .05pt;"> p</span><span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .05pt;">du</span>k<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">h</span><span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: -.05pt;">n</span>ya<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">d</span>ar <span style="letter-spacing: -.05pt;">me</span><span style="letter-spacing: .05pt;">n</span><span style="letter-spacing: -.05pt;">j</span>aga<span style="letter-spacing: .05pt;"> </span>si<span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">b</span>ol<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">t</span>a<span style="letter-spacing: -.05pt;">t</span><span style="letter-spacing: .05pt;">u</span>s.<span style="letter-spacing: .35pt;"> </span></span></b><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">R<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja m<span style="letter-spacing: -.05pt;">e</span>mpu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>mpu<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.75pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: 2.8pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.65pt;"> </span>ting<span style="letter-spacing: -.1pt;">g</span>i,<span style="mso-spacerun: yes;"> </span>b<span style="letter-spacing: -.05pt;">a</span>ik<span style="letter-spacing: 2.65pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: 2.65pt;"> </span>b<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: -.05pt;">a</span>n, b<span style="letter-spacing: -.05pt;">er</span>d<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>mbut,<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>hing<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>s<span style="letter-spacing: -.05pt;">e</span>but<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t
m<span style="letter-spacing: -.05pt;">e</span>nunj<span style="letter-spacing: -.05pt;">a</span>ng <span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">e</span>klusif<span style="letter-spacing: .2pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: .05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">er</span>i<span style="letter-spacing: .1pt;"> k</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">a</span>n b<span style="letter-spacing: -.05pt;">era</span>s<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">ar</span>i <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s
sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
ting<span style="letter-spacing: -.1pt;">g</span>i.<span style="letter-spacing: .1pt;"> </span>D<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: .05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li
su<span style="letter-spacing: -.05pt;">a</span>tu p<span style="letter-spacing: -.05pt;">r</span>oduk <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .05pt;">a</span>t
m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">er</span>ik<span style="letter-spacing: -.05pt;">a</span>n simbol st<span style="letter-spacing: -.05pt;">a</span>tus <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">g</span><span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lih<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n l<span style="letter-spacing: -.05pt;">e</span>bih
k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>n dim<span style="letter-spacing: -.05pt;">a</span>ta<span style="letter-spacing: -.05pt;"> </span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>l<span style="letter-spacing: -.05pt;">a</span>in.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 197%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.6pt; margin-top: .75pt; text-align: justify; text-indent: -18.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 197%;">f</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 197%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span>a<span style="letter-spacing: .05pt;">k</span>ai<span style="letter-spacing: 1.2pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .05pt;">du</span>k<span style="letter-spacing: 1.25pt;"> </span><span style="letter-spacing: .05pt;">k</span>a<span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .05pt;">n</span>a<span style="letter-spacing: 1.2pt;"> </span><span style="letter-spacing: .05pt;">un</span>s<span style="letter-spacing: .05pt;">u</span>r<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: .05pt;">k</span>o<span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">f</span>o<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: -.15pt;">m</span>i<span style="letter-spacing: -.05pt;">t</span>as<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: -.05pt;">ter</span><span style="letter-spacing: .05pt;">h</span>a<span style="letter-spacing: .05pt;">d</span>ap<span style="letter-spacing: 1.35pt;"> </span><span style="letter-spacing: -.15pt;">m</span>o<span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: 1.2pt;"> </span>ya<span style="letter-spacing: .05pt;">n</span>g
<span style="letter-spacing: -.05pt;">me</span><span style="letter-spacing: .05pt;">n</span>gi<span style="letter-spacing: .05pt;">k</span>la<span style="letter-spacing: .05pt;">nk</span><span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .05pt;">n</span>.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.85pt;"><span style="mso-spacerun: yes;"> </span></span></span></b><span lang="EN-US" style="font-size: 12.0pt; line-height: 197%;">R<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 2.7pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">ce</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">er</span>u<span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.65pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>ni<span style="letter-spacing: -.05pt;">r</span>u<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.85pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 2.75pt;"><span style="mso-spacerun: yes;"> </span></span>tokoh<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 197%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
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<div class="WordSection5">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.55pt; margin-top: 1.45pt; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">diidol<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>tuk<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.1pt;">g</span>un<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: .05pt;">e</span>g<span style="letter-spacing: -.05pt;">a</span>la<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t dip<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>tokoh<span style="letter-spacing: .05pt;"> </span>idol<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .25pt;"> </span>R<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .1pt;">a</span>ja
j<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">ce</span>nd<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">c</span>o<span style="letter-spacing: .1pt;">b</span>a p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
dit<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">ar</span>k<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>bila<span style="letter-spacing: .1pt;"> </span>ia<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>idol<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .35pt;"> </span><i style="mso-bidi-font-style: normal;">publik<span style="letter-spacing: .1pt;"> </span>figure<span style="letter-spacing: .15pt;"> </span></i>p<span style="letter-spacing: -.05pt;">r</span>oduk
t<span style="letter-spacing: -.05pt;">er</span>s<span style="letter-spacing: -.05pt;">e</span>but.<span style="letter-spacing: .1pt;"> </span>Ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .1pt;"> k</span><span style="letter-spacing: -.05pt;">are</span><span style="letter-spacing: .1pt;">n</span>a<span style="letter-spacing: .05pt;"> </span>itu,<span style="letter-spacing: .25pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>un<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dip<span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span>ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .1pt;"> </span>tokoh<span style="letter-spacing: .1pt;"> </span>idol<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
m<span style="letter-spacing: -.05pt;">a</span>ka<span style="letter-spacing: -.05pt;"> a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nj<span style="letter-spacing: -.05pt;">a</span>di p<span style="letter-spacing: -.05pt;">er</span>t<span style="letter-spacing: .15pt;">i</span>mb<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>n b<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;">a</span>r<span style="letter-spacing: -.05pt;"> </span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i
<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: -.05pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p
p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n
dip<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 199%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.55pt; margin-top: .75pt; text-align: justify; text-indent: -18.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 199%;">g)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .05pt;">un</span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">u</span>l<span style="letter-spacing: .05pt;">n</span>ya<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span><span style="letter-spacing: -.1pt;">i</span>laian<span style="letter-spacing: .05pt;"> b</span>a<span style="letter-spacing: -.05pt;">h</span><span style="letter-spacing: .1pt;">w</span>a<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .15pt;">b</span><span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">u</span>k<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>gan<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .05pt;">h</span>a<span style="letter-spacing: -.05pt;">r</span>ga<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.15pt;">m</span>a<span style="letter-spacing: .05pt;">h</span>al a<span style="letter-spacing: .05pt;">k</span>an<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.55pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>i<span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: .05pt;">bu</span>l<span style="letter-spacing: .05pt;">k</span>an<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: -.15pt;">r</span>asa<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">erc</span>aya<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: .05pt;">d</span>i<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: 2.7pt;"> </span>ya<span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: 2.55pt;"> </span><span style="letter-spacing: .05pt;">p</span>osi<span style="letter-spacing: -.05pt;">t</span><span style="letter-spacing: -.1pt;">i</span><span style="letter-spacing: .05pt;">f</span>.<span style="mso-spacerun: yes;"> </span></span></b><span lang="EN-US" style="font-size: 12.0pt; line-height: 199%;">R<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: 2.6pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t t<span style="letter-spacing: -.05pt;">er</span>do<span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .1pt;">n</span>g
untuk<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">c</span>o<span style="letter-spacing: .1pt;">b</span>a<span style="letter-spacing: .05pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">are</span>na<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">ere</span>ka<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span>a<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dik<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .05pt;"> </span>ikl<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;">t</span>u<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>numbuhk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">a</span>sa p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .4pt;"> </span>di<span style="letter-spacing: -.05pt;">r</span>i.<span style="letter-spacing: .05pt;"> </span>Hu<span style="letter-spacing: -.05pt;">r</span>lo<span style="letter-spacing: -.05pt;">c</span>k (1999)<span style="letter-spacing: .15pt;">
</span>juga<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>mb<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .95pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">re</span>ka
<span style="letter-spacing: -.05pt;">a</span>ngg<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">a</span>ntik<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>mpil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">f</span>isik,
<span style="letter-spacing: -.1pt;">m</span><span style="letter-spacing: -.05pt;">ere</span>ka<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nj<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: .15pt;"> </span>l<span style="letter-spacing: -.05pt;">e</span>bih p<span style="letter-spacing: -.05pt;">erc</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>di<span style="letter-spacing: -.05pt;">r</span>i.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 60.25pt; margin-right: 7.6pt; margin-top: .55pt; text-align: justify; text-indent: -18.0pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">h</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">) <span style="letter-spacing: 1.3pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">Me</span><span style="letter-spacing: .05pt;">n</span><span style="letter-spacing: -.05pt;">c</span>o<span style="letter-spacing: .05pt;">b</span>a l<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">b</span>ih<span style="letter-spacing: .05pt;"> d</span>a<span style="letter-spacing: -.05pt;">r</span>i <span style="letter-spacing: .05pt;">du</span>a<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .05pt;">du</span>k<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">eje</span><span style="letter-spacing: .05pt;">n</span>is (<span style="letter-spacing: -.15pt;">m</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">d</span>a).<span style="letter-spacing: .3pt;"> </span></span></b><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">R<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">ce</span>nd<span style="letter-spacing: -.05pt;">er</span>u<span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>un<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .3pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .15pt;"> </span>j<span style="letter-spacing: -.05pt;">e</span>nis<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span>ma<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">ere</span>k<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g l<span style="letter-spacing: -.05pt;">a</span>in<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>i p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">e</span>lum<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: .15pt;">i</span>a
gun<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>skipun<span style="letter-spacing: .05pt;">
</span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>s<span style="letter-spacing: -.05pt;">e</span>but<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>lum<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>bis di<span style="letter-spacing: -.1pt;">g</span>un<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .15pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span>ini<span style="letter-spacing: .15pt;"> </span>dil<span style="letter-spacing: -.05pt;">a</span>kuk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">are</span><span style="letter-spacing: .1pt;">n</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">er</span>u<span style="letter-spacing: .1pt;">n</span>g i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>in<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>lih<span style="letter-spacing: -.05pt;">a</span>t
p<span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n kh<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: -.05pt;">a</span>t p<span style="letter-spacing: -.05pt;">r</span>od<span style="letter-spacing: .1pt;">u</span>k<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>tu
d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
l<span style="letter-spacing: -.05pt;">a</span>in.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 8.0pt; margin-top: .35pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 8.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p align="center" class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 189.95pt; margin-right: 175.45pt; margin-top: 0cm; text-align: center;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #525252; font-size: 12.0pt;">B. <span style="letter-spacing: .95pt;"><span style="mso-spacerun: yes;"> </span></span>R<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span>a<span style="letter-spacing: -.05pt;">j</span>a</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .8pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 20.9pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #525252; font-size: 12.0pt; letter-spacing: -.15pt;">P</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #525252; font-size: 12.0pt; letter-spacing: -.05pt;">e</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #525252; font-size: 12.0pt; letter-spacing: .05pt;">n</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #525252; font-size: 12.0pt;">g<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">rt</span>ian<span style="letter-spacing: .1pt;"> </span>R<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">m</span>a<span style="letter-spacing: -.05pt;">j</span>a</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.75pt; margin-top: 0cm; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">M<span style="letter-spacing: -.05pt;">a</span>sa <span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>ja
<span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h
<span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>sa
<span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: -.05pt;">ra</span>nsisi <span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m <span style="letter-spacing: .85pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">re</span>n<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>ng
<span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>hidup<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">a</span>nus<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: .05pt;">a</span>, m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>hubu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.85pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>sa<span style="letter-spacing: 2.95pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">-</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: 2.85pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.85pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>sa<span style="letter-spacing: 2.95pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span>w<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>.<span style="mso-spacerun: yes;"> </span>M<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>mi<span style="letter-spacing: 2.9pt;"> </span><span style="letter-spacing: -.05pt;">ar</span>ti<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection6">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.6pt; margin-top: 1.45pt; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">p<span style="letter-spacing: -.05pt;">e</span>nting k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>na<span style="letter-spacing: .05pt;"> r</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .05pt;"> a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>sa<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>ti<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .2pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>t.<span style="letter-spacing: .1pt;"> </span>Di<span style="letter-spacing: .1pt;"> </span>n<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: .3pt;">a</span><span style="letter-spacing: .1pt;">-</span>n<span style="letter-spacing: -.05pt;">e</span>g<span style="letter-spacing: -.05pt;">ar</span>a
b<span style="letter-spacing: -.05pt;">ara</span>t,<span style="letter-spacing: .1pt;"> </span>istil<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .05pt;"> </span>dik<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: .15pt;">“</span><i style="mso-bidi-font-style: normal;">adol<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .1pt;">e</span></i>”<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">era</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>ta<span style="letter-spacing: .2pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m
b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>sa
l<span style="letter-spacing: -.05pt;">a</span>tin<span style="letter-spacing: .05pt;"> “</span><i style="mso-bidi-font-style: normal;">adol<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">ce</span>r<span style="letter-spacing: .1pt;">e</span></i>”
(k<span style="letter-spacing: -.05pt;">a</span>ta <span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span><i style="mso-bidi-font-style: normal;">adol<span style="letter-spacing: .05pt;">e</span>s<span style="letter-spacing: -.05pt;">ce</span>ntia<span style="letter-spacing: .1pt;"> </span></i>=
<span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: -.05pt;">a</span>),<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">erar</span>ti
tumbuh<span style="letter-spacing: 2.65pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nj<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: 2.65pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>w<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span>a<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u<span style="letter-spacing: 2.65pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: 2.65pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.75pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nj<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: 2.65pt;"> </span>d<span style="letter-spacing: .05pt;">e</span>w<span style="letter-spacing: -.05pt;">a</span>sa<span style="letter-spacing: 2.7pt;"> </span>(<span style="letter-spacing: .1pt;">D</span><span style="letter-spacing: -.05pt;">e</span>smit<span style="letter-spacing: -.05pt;">a</span>,<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 373.65pt; margin-top: .5pt; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt;">2007).<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .8pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.5pt; margin-top: 0cm; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">er</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .1pt; line-height: 200%;">k</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">it<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> r</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">j</span>a
m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>,<span style="letter-spacing: .05pt;"> P</span><span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">r</span>os<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">B</span>los<span style="letter-spacing: .05pt;"> </span>(d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> S</span><span style="letter-spacing: -.05pt;">ar</span>wono,<span style="letter-spacing: .3pt;"> </span>2004) m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: .05pt;">e</span>mb<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a h<span style="letter-spacing: -.05pt;">a</span>kik<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.1pt;">y</span>a <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>us<span style="letter-spacing: -.05pt;">a</span>ha<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>di<span style="letter-spacing: -.05pt;">r</span>i
<span style="letter-spacing: -.05pt;">(<i style="mso-bidi-font-style: normal;">c</i></span><i style="mso-bidi-font-style: normal;">oping</i>),<span style="letter-spacing: .3pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>itu<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>a
<span style="letter-spacing: .05pt;">a</span>ktif m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;"> </span>st<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .05pt;"> </span>j<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .05pt;">a</span>r <span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">ar</span>u<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">ar</span>i
b<span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h.<span style="letter-spacing: .05pt;"> </span>D<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">a</span>m<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>os<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">e</span>su<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span>i<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nuju<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">e</span>w<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>da
tiga t<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span>aitu,<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja
m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> (</span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.05pt;">e</span>arly
ado<span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">ce</span>n<span style="letter-spacing: .05pt;">c</span>e</i>),<span style="letter-spacing: .05pt;"> r</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">d</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>(<i style="mso-bidi-font-style: normal;">middle
adol<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">ce</span>n<span style="letter-spacing: .05pt;">c</span>e</i>), <span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: -.05pt;"> a</span>k<span style="letter-spacing: .1pt;">h</span>ir<span style="letter-spacing: -.05pt;"> </span>(<i style="mso-bidi-font-style: normal;">late<span style="letter-spacing: -.05pt;"> </span>adol<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">ce</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">c</span>e</i>).<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.55pt; margin-top: .5pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">M<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: .05pt;"> P</span><span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">r</span>os<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.1pt;">B</span>los
(<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> S</span><span style="letter-spacing: -.05pt;">ar</span>wono, 200<span style="letter-spacing: .1pt;">4</span>) p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">d</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>itu
s<span style="letter-spacing: -.05pt;">e</span>ndi<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mbutuhk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>w<span style="letter-spacing: -.05pt;">a</span>n.<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.15pt;">I</span>a<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>u<span style="letter-spacing: .1pt;"> b</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .2pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>u<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<span style="letter-spacing: .05pt;"> </span>A<span style="letter-spacing: .1pt;">d</span>a
<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">ec</span><span style="letter-spacing: .05pt;">e</span>nd<span style="letter-spacing: -.05pt;">r</span>ung<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>ini<span style="letter-spacing: .05pt;"> </span>untuk<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .25pt;">“</span><i style="mso-bidi-font-style: normal;">nar<span style="letter-spacing: -.05pt;">c</span>isti<span style="letter-spacing: .15pt;">c</span></i><span style="letter-spacing: -.05pt;">”</span>,<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>itu m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">c</span>int<span style="letter-spacing: -.05pt;">a</span>i
di<span style="letter-spacing: -.05pt;">r</span>i s<span style="letter-spacing: .05pt;">e</span>ndi<span style="letter-spacing: -.05pt;">r</span>i, d<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>uk<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: .05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: -.05pt;">e</span>mpu<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i s<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">fa</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">-</span>si<span style="letter-spacing: -.05pt;">fa</span>t
<span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g s<span style="letter-spacing: -.05pt;">a</span>ma<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>di<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>in<span style="letter-spacing: .1pt;"> </span>itu,
ia<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">er</span>da<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>kondisi<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>bin<span style="letter-spacing: -.1pt;">g</span>un<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>k<span style="letter-spacing: -.05pt;">are</span>na ia tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: -.05pt;">a</span>hu<span style="letter-spacing: .15pt;"> </span>h<span style="letter-spacing: -.05pt;">ar</span>us<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mi<span style="letter-spacing: .2pt;">l</span>ih<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>:<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>ka<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">a</span>u<span style="letter-spacing: .05pt;"> </span>tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>duli,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">ra</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">i</span><span style="letter-spacing: .1pt;">-</span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u s<span style="letter-spacing: -.05pt;">e</span>ndi<span style="letter-spacing: -.05pt;">r</span>i, optimis <span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u p<span style="letter-spacing: -.05pt;">e</span>simis, id<span style="letter-spacing: -.05pt;">ea</span>lis <span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u m<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">rea</span>l<span style="letter-spacing: .15pt;">i</span>stis,
d<span style="letter-spacing: -.05pt;">a</span>n s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.45pt; margin-top: .5pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">R<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .1pt;"> </span>M<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span>(<span style="letter-spacing: .1pt;">D</span><span style="letter-spacing: -.05pt;">e</span>smit<span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .15pt;"> </span>2007)<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">j</span>a<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>t<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
dim<span style="letter-spacing: -.05pt;">a</span>na <span style="letter-spacing: -.05pt;">re</span>nt<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g usi<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">a</span>nt<span style="letter-spacing: -.05pt;">ar</span>a<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">1</span><span style="letter-spacing: .15pt;">5</span><span style="letter-spacing: -.05pt;">-</span>18<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: -.05pt;">a</span>hun.<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .05pt;"> </span>itu<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">n</span>di<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .2pt;"> </span>dim<span style="letter-spacing: -.05pt;">a</span>na p<span style="letter-spacing: -.05pt;">era</span>lih<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .2pt;">k</span><span style="letter-spacing: -.05pt;">-</span>k<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nuju<span style="letter-spacing: .15pt;"> </span>untuk<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>si<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>sa<span style="letter-spacing: .1pt;"> d</span><span style="letter-spacing: -.05pt;">e</span>w<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>a
t<span style="letter-spacing: -.05pt;">er</span>j<span style="letter-spacing: -.05pt;">a</span>di<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span>jol<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .2pt;">k</span><span style="letter-spacing: .1pt;">-</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span>jol<span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">e</span>mosi<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: -.05pt;">e</span>mbu<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .05pt;"> </span>dis<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g
ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .4pt;"> </span><i style="mso-bidi-font-style: normal;">st<span style="letter-spacing: .1pt;">r</span>om<span style="letter-spacing: .15pt;"> </span></i>d<span style="letter-spacing: -.05pt;">a</span>n <i style="mso-bidi-font-style: normal;">str<span style="letter-spacing: -.05pt;">e</span>ss,<span style="letter-spacing: .2pt;"> </span></i><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>a<span style="letter-spacing: -.05pt;"> </span>usia<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: -.05pt;"> </span>b<span style="letter-spacing: -.05pt;">er</span>kis<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: -.05pt;"> </span>1<span style="letter-spacing: .15pt;">2</span><span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .1pt;">2</span>1 t<span style="letter-spacing: -.05pt;">a</span>hun.<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
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<div class="WordSection7">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.55pt; margin-top: 1.45pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .1pt; line-height: 200%;">J</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">di m<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">era</span>pa<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">efe</span><span style="letter-spacing: .1pt;">n</span>isi<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
dik<span style="letter-spacing: -.05pt;">e</span>muk<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>di<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>i<span style="letter-spacing: .15pt;">t</span>u
s<span style="letter-spacing: -.05pt;">e</span>ndi<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .2pt;">a</span>ng
<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">era</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">re</span>nt<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>u<span style="letter-spacing: .1pt;">s</span>ia<span style="letter-spacing: .05pt;"> </span>1<span style="letter-spacing: .25pt;">5</span><span style="letter-spacing: -.05pt;">-</span>18<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: -.05pt;">a</span>hun,<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>mi
p<span style="letter-spacing: -.05pt;">er</span>ub<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">f</span>isik<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>upun<span style="letter-spacing: .1pt;"> </span>psikolo<span style="letter-spacing: -.1pt;">g</span>is<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">ce</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">n</span>g di<span style="letter-spacing: -.05pt;">a</span>ngg<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>lum<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>,<span style="letter-spacing: .25pt;"> </span>dim<span style="letter-spacing: -.05pt;">a</span>na
m<span style="letter-spacing: -.05pt;">ere</span>ka<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">era</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: -.05pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: -.05pt;"> </span>ko<span style="letter-spacing: .1pt;">n</span>disi<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mbi<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: .05pt;">a</span>n
t<span style="letter-spacing: -.05pt;">er</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .2pt;"> </span>di<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>ndi<span style="letter-spacing: .05pt;">r</span>i.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 8.0pt; margin-top: .35pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 8.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 128.15pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #525252; font-size: 12.0pt;">C. <span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">t</span>a<span style="letter-spacing: -.05pt;">t</span><span style="letter-spacing: .05pt;">u</span>s<span style="letter-spacing: .05pt;"> S</span>osial<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">E</span><span style="letter-spacing: .05pt;">k</span>o<span style="letter-spacing: .05pt;">n</span>o<span style="letter-spacing: -.15pt;">m</span>i<span style="letter-spacing: .05pt;"> </span>O<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: -.05pt;">t</span><span style="letter-spacing: .05pt;">u</span>a</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .8pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 17.05pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="color: #525252; font-size: 12.0pt;">1.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">rt</span>ian<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">t</span>a<span style="letter-spacing: -.05pt;">t</span><span style="letter-spacing: .05pt;">u</span>s<span style="letter-spacing: .05pt;"> S</span>osial<span style="letter-spacing: .05pt;"> </span>E<span style="letter-spacing: .05pt;">k</span>o<span style="letter-spacing: .05pt;">n</span>o<span style="letter-spacing: -.15pt;">m</span>i<span style="letter-spacing: .05pt;"> </span>O<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: -.05pt;">t</span><span style="letter-spacing: .05pt;">u</span>a</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.45pt; margin-top: 0cm; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">nt<span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: -.05pt;">c</span>k<span style="mso-spacerun: yes;">
</span>(2003)<span style="mso-spacerun: yes;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>tik<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span>st<span style="letter-spacing: -.05pt;">a</span>tus<span style="mso-spacerun: yes;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.1pt;">o</span>nomi<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u<span style="mso-spacerun: yes;"> </span>k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s<span style="mso-spacerun: yes;"> </span>s<span style="letter-spacing: .25pt;">o</span>si<span style="letter-spacing: -.05pt;">a</span>l <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">e</span>lompokk<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">-</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
b<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;">ar</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>j<span style="letter-spacing: -.05pt;">aa</span>n,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>ndidik<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">ara</span>kt<span style="letter-spacing: .05pt;">e</span>r<span style="letter-spacing: 2.45pt;"> </span><span style="letter-spacing: -.05pt;">e</span>konomi<span style="letter-spacing: 2.65pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.6pt;"> </span>s<span style="letter-spacing: -.05pt;">er</span>up<span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: 2.5pt;"> </span>M<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: .05pt;">P</span>iti<span style="letter-spacing: -.05pt;">r</span>im<span style="letter-spacing: 2.5pt;"> </span>A.<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: .05pt;">S</span>o<span style="letter-spacing: -.05pt;">r</span>okim<span style="letter-spacing: 2.5pt;"> </span>(d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.1pt;">o</span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">a</span>nto,<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.5pt; margin-top: .5pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">2001)<span style="letter-spacing: .95pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .95pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .95pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">a</span>h<span style="letter-spacing: .95pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: 1.05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nduduk<span style="letter-spacing: 1.05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u<span style="letter-spacing: .95pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .95pt;"> </span><span style="letter-spacing: .1pt;">k</span>e<span style="letter-spacing: .9pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">a</span>m<span style="letter-spacing: .95pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .35pt;">s</span>-
k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s
s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">ar</span>a<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span>ti<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;"> </span><i style="mso-bidi-font-style: normal;">(<span style="letter-spacing: .1pt;">h</span>irar<span style="letter-spacing: -.05pt;">k</span><span style="letter-spacing: -.1pt;">i</span>.</i><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.65pt; margin-top: .5pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">M<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .1pt;">x</span>,<span style="letter-spacing: .05pt;"> W</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">er</span>,<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> S</span><span style="letter-spacing: -.05pt;">c</span>hump<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">e</span>r
(<span style="letter-spacing: .15pt;">S</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>ni<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> </span>N<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>woko<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> S</span><span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>nto,<span style="letter-spacing: .05pt;"> </span>2007)
m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">ar</span>tik<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>st<span style="letter-spacing: -.05pt;">a</span>tus<span style="letter-spacing: .1pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .3pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lo<span style="letter-spacing: .15pt;">m</span>pok<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>nusia<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
di<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a t<span style="letter-spacing: -.05pt;">er</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .25pt;"> </span>sub<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lompok<span style="letter-spacing: .35pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g di<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .35pt;"> </span>d<span style="letter-spacing: -.05pt;">era</span>j<span style="letter-spacing: -.05pt;">a</span>t. <span style="letter-spacing: -.05pt;">Fa</span>ktor
ut<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">m</span>a
d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">e</span>ntu<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>j<span style="letter-spacing: -.05pt;">e</span>nis<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>ktivit<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>konomi,<span style="letter-spacing: .05pt;">
</span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n, tin<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>t p<span style="letter-spacing: -.05pt;">e</span>ndidik<span style="letter-spacing: -.05pt;">a</span>n, tipe<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.05pt;">r</span>um<span style="letter-spacing: -.05pt;">a</span>h tingg<span style="letter-spacing: -.05pt;">a</span>l, j<span style="letter-spacing: -.05pt;">e</span>nis k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">a</span>si,
j<span style="letter-spacing: -.05pt;">a</span>b<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m
b<span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i o<span style="letter-spacing: .05pt;">r</span>g<span style="letter-spacing: -.05pt;">a</span>nis<span style="letter-spacing: -.05pt;">a</span>si
d<span style="letter-spacing: -.05pt;">a</span>n s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>. <span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n
st<span style="letter-spacing: -.05pt;">a</span>tus <span style="letter-spacing: .95pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">e</span>konomi <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h
t<span style="letter-spacing: -.1pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u l<span style="letter-spacing: -.05pt;">e</span>v<span style="letter-spacing: -.05pt;">e</span>l b<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>k<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: .05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>u
p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>di<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>ol<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .2pt;">h</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.6pt; margin-top: .5pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">M<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut O<span style="letter-spacing: -.05pt;">r</span>m<span style="letter-spacing: -.05pt;">r</span>od<span style="letter-spacing: .1pt;"> </span>(20<span style="letter-spacing: .1pt;">0</span>8), <span style="letter-spacing: .05pt;">S</span>t<span style="letter-spacing: -.05pt;">a</span>tus<span style="letter-spacing: .05pt;"> </span>Ekonomi
(<span style="letter-spacing: .15pt;">S</span>E) m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span>kup <span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>juml<span style="letter-spacing: -.05pt;">a</span>h
v<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: -.05pt;">a</span>b<span style="letter-spacing: -.05pt;">e</span>l,<span style="letter-spacing: 1.8pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>m<span style="letter-spacing: -.05pt;">a</span>suk<span style="letter-spacing: 1.8pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>gh<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.8pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: .05pt;">S</span>t<span style="letter-spacing: -.05pt;">a</span>tus<span style="letter-spacing: 2.0pt;"> </span>Ekonomi<span style="letter-spacing: 1.8pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>bu<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: 1.8pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">ar</span>g<span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: 1.8pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>ik <span style="letter-spacing: .05pt;">S</span>E<span style="letter-spacing: .05pt;"> </span>tin<span style="letter-spacing: -.1pt;">gg</span>i,<span style="letter-spacing: .05pt;"> S</span>E<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>h,<span style="letter-spacing: .2pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>upun<span style="letter-spacing: .05pt;"> S</span>E<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">re</span>nd<span style="letter-spacing: -.05pt;">a</span>h,m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">er</span>i<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>tunjuk<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da
kita <span style="letter-spacing: -.1pt;">t</span><span style="letter-spacing: -.05pt;">e</span>nt<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g k<span style="letter-spacing: -.05pt;">e</span>duduk<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: 2.5pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>ga <span style="letter-spacing: 2.45pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: .15pt;">i</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m
<span style="letter-spacing: 2.5pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span>, <span style="letter-spacing: 2.65pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">era</span>pa
<span style="letter-spacing: 2.55pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>r <span style="letter-spacing: 2.6pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">f</span>l<span style="letter-spacing: -.05pt;">e</span>ksibilit<span style="letter-spacing: -.05pt;">a</span>s
<span style="letter-spacing: 2.65pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection8">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.65pt; margin-top: 1.45pt; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">dimiliki<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.1pt;">g</span>ota <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>ga d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .35pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>ting<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>pa<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">ere</span><span style="letter-spacing: .1pt;">k</span>a b<span style="letter-spacing: -.05pt;">e</span>li,
s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">era</span><span style="letter-spacing: .1pt;">p</span>a<span style="mso-spacerun: yes;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>r<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>uh<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">ere</span><span style="letter-spacing: .1pt;">k</span>a<span style="mso-spacerun: yes;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>mbil<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>putus<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>politis, k<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.65pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>ndidik<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.75pt;"> </span><span style="letter-spacing: -.05pt;">a</span>pa<span style="letter-spacing: 2.8pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 2.65pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>ka<span style="letter-spacing: 2.7pt;"> </span>t<span style="letter-spacing: -.05pt;">a</span>w<span style="letter-spacing: -.05pt;">ar</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.75pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: 2.6pt;"> </span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>k<span style="mso-spacerun: yes;"> </span>–<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>k
m<span style="letter-spacing: -.05pt;">ere</span>ka<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>Ekonomi<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>tin<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">e</span>ko<span style="letter-spacing: .1pt;">n</span>omi<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dip<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: .05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>ka<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nuhi<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span>utuh<span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">er</span>ta<span style="letter-spacing: -.05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>i
<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: .15pt;">t</span>a<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.55pt; margin-top: .5pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">P</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>konomi<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a m<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: .05pt;"> </span>K<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>tono<span style="letter-spacing: .05pt;"> </span>(2006)<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa <span style="letter-spacing: .05pt;">S</span>t<span style="letter-spacing: -.05pt;">a</span>tus <span style="letter-spacing: -.05pt;">e</span>konomi<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>ga
<span style="letter-spacing: .05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>dudu<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>ga
di<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .25pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>t b<span style="letter-spacing: -.05pt;">er</span>d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>r
bul<span style="letter-spacing: -.05pt;">a</span>n.<span style="letter-spacing: .05pt;"> S</span>t<span style="letter-spacing: -.05pt;">a</span>tus<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>ko<span style="letter-spacing: -.1pt;">n</span>omi<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: -.1pt;">g</span>a d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>dil<span style="letter-spacing: -.1pt;">i</span>h<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">ar</span>i p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>dis<span style="letter-spacing: -.05pt;">e</span>su<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">i</span>k<span style="letter-spacing: -.05pt;">a</span>n
d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">ara</span><span style="letter-spacing: .1pt;">n</span>g
pokok.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 12.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 12.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 24.25pt; margin-right: 212.35pt; margin-top: 0cm; text-align: justify;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">2.<span style="mso-spacerun: yes;"> </span>Ti<span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: .05pt;">k</span>a<span style="letter-spacing: -.05pt;">t</span>an<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">t</span>a<span style="letter-spacing: -.05pt;">t</span><span style="letter-spacing: .05pt;">u</span>s <span style="letter-spacing: .05pt;">S</span>osial<span style="letter-spacing: -.1pt;"> </span>E<span style="letter-spacing: .05pt;">k</span>o<span style="letter-spacing: .05pt;">n</span>o<span style="letter-spacing: -.15pt;">m</span>i</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.8pt; margin-top: 0cm; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">M<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: .05pt;"> S</span><span style="letter-spacing: -.05pt;">ar</span>wono<span style="letter-spacing: .15pt;"> </span>(197<span style="letter-spacing: .1pt;">6</span>)<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>da
t<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.1pt;">g</span>olong<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>st<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span>us<span style="letter-spacing: .05pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>konomi<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>itu :<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.8pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">) <span style="letter-spacing: 1.05pt;"><span style="mso-spacerun: yes;"> </span></span>K<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">re</span>nd<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>itu<span style="letter-spacing: .15pt;"> </span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>miliki<span style="letter-spacing: .15pt;"> </span>j<span style="letter-spacing: -.05pt;">a</span>b<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>t<span style="letter-spacing: -.05pt;">e</span>ntu, p<span style="letter-spacing: -.05pt;">e</span>ndidik<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s,<span style="letter-spacing: .1pt;"> d</span><span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .2pt;">a</span>ng
tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>i (m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">c</span>ukupi) s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>ti
p<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">a</span>ni,
bu<span style="letter-spacing: -.05pt;">r</span>uh, tuk<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g b<span style="letter-spacing: -.05pt;">eca</span>k, <span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>su<span style="letter-spacing: -.05pt;">r</span>uh
d<span style="letter-spacing: -.05pt;">a</span>n s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.9pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .95pt;"><span style="mso-spacerun: yes;"> </span></span>K<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g (<span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>h)<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>di<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: .05pt;">e</span>g<span style="letter-spacing: -.05pt;">a</span>w<span style="letter-spacing: -.05pt;">a</span>i,<span style="letter-spacing: .35pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>ha<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>h d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">ec</span>il,<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span>um<span style="letter-spacing: .1pt;"> </span>int<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">k</span>tu<span style="letter-spacing: -.05pt;">a</span>l,<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: -.05pt;">r</span>u,<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
d<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .1pt;">
</span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .2pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s s<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>ini <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">v</span><span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: -.05pt;">a</span>si
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>mul<span style="letter-spacing: .05pt;">a</span>i <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">ar</span>i
<span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t
t<span style="letter-spacing: -.05pt;">er</span>didik<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span>mp<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>didik,<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a s<span style="letter-spacing: -.05pt;">e</span>hing<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: 1.15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>ti<span style="letter-spacing: 1.1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">a</span>s<span style="letter-spacing: 1.05pt;"> </span>ting<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: 1.1pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span>mp<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: 1.2pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.3pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>g<span style="letter-spacing: -.05pt;">a</span>w<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: 1.2pt;"> </span>n<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection9">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.9pt; margin-top: 1.45pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: 1.15pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t <span style="letter-spacing: 1.3pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s
<span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>na <span style="letter-spacing: 1.15pt;"><span style="mso-spacerun: yes;"> </span></span>j<span style="letter-spacing: -.05pt;">a</span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: 1.3pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>ndidik<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
tid<span style="letter-spacing: -.05pt;">a</span>k d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t di<span style="letter-spacing: -.1pt;">g</span>olo<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m
k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s
<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>h.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.8pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">c</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span>K<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: 1.9pt;"> </span>ting<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: 2.15pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 1.8pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>di<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: 2.05pt;"> </span>d<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: 1.9pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 1.9pt;"> </span>k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">c</span>il<span style="letter-spacing: 1.9pt;"> </span>d<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: 1.9pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>t <span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
m<span style="letter-spacing: -.05pt;">e</span>ndud<span style="letter-spacing: .05pt;">u</span>ki<span style="letter-spacing: .1pt;"> </span>j<span style="letter-spacing: -.05pt;">a</span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">n</span><span style="letter-spacing: -.05pt;">-</span>j<span style="letter-spacing: -.05pt;">a</span>b<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .8pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: -.05pt;">er</span>ti<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .1pt;"> </span>n<span style="letter-spacing: -.05pt;">e</span>g<span style="letter-spacing: -.05pt;">ar</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u m<span style="letter-spacing: -.05pt;">e</span>mpu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: 2.75pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 2.75pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: 2.7pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .15pt;">i</span>ng<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .05pt;">a</span>f<span style="letter-spacing: 2.7pt;"> </span>hidup<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a j<span style="letter-spacing: -.05pt;">a</span>uh<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">e</span>bihi<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g
d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">
</span>m<span style="letter-spacing: -.05pt;">e</span>mpu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>ku<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>t b<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">ar</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.65pt; margin-top: .5pt; text-align: justify; text-indent: 39.0pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">W</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b<span style="letter-spacing: -.05pt;">e</span>r<span style="mso-spacerun: yes;"> </span>(d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>h<span style="letter-spacing: -.05pt;">e</span>nslin,
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>2006)
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">efe</span>nisik<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>st<span style="letter-spacing: -.05pt;">a</span>tus
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>sosi<span style="letter-spacing: -.05pt;">a</span>l <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">e</span>kono<span style="letter-spacing: -.1pt;">m</span>i <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">s</span>ek<span style="letter-spacing: -.05pt;">e</span>lompok<span style="letter-spacing: .15pt;">
</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;">a</span>r<span style="letter-spacing: .1pt;"> </span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>in<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>tn<span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .3pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span>li<span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>l
k<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n, k<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">re</span>stis<span style="letter-spacing: -.05pt;">e</span>.
<span style="letter-spacing: .1pt;">K</span><span style="letter-spacing: -.05pt;">e</span>tiga<span style="letter-spacing: -.05pt;"> </span>unsur<span style="letter-spacing: .05pt;"> </span>ini
m<span style="letter-spacing: -.05pt;">e</span>mis<span style="letter-spacing: -.05pt;">a</span>hk<span style="letter-spacing: -.05pt;">a</span>n o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">a</span>m
<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a hidup<span style="letter-spacing: .1pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: -.05pt;">-</span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.75pt; margin-top: .5pt; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">P</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">er</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>tin<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>st<span style="letter-spacing: -.05pt;">a</span>tus sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>kon<span style="letter-spacing: .1pt;">o</span>mi<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>itu
t<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">j</span><span style="letter-spacing: -.05pt;">a</span>m, h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>ini d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t dilih<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>i b<span style="letter-spacing: -.05pt;">e</span>nt<span style="letter-spacing: .1pt;">u</span>k b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>un<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">r</span>um<span style="letter-spacing: -.05pt;">a</span>h,<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">o</span><span style="letter-spacing: -.05pt;">fe</span>si
p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">er</span>j<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: -.05pt;">a</span>upun<span style="letter-spacing: .2pt;"> </span>tin<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>t p<span style="letter-spacing: -.05pt;">e</span>ndidik<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>in<span style="letter-spacing: .15pt;"> i</span>tu,<span style="letter-spacing: .15pt;"> </span>ju<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .1pt;"> </span>diduku<span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ta<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.1pt;">B</span>K<span style="letter-spacing: .1pt;">K</span><span style="letter-spacing: -.1pt;">B</span>N<span style="letter-spacing: .2pt;"> </span>(2001)
m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">g</span>olo<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>j<span style="letter-spacing: -.05pt;">a</span>ht<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .05pt;">ar</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: -.05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>i
b<span style="letter-spacing: -.05pt;">er</span>ikut:<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.65pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.65pt;"><span style="mso-spacerun: yes;"> </span></span>K<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .2pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>j<span style="letter-spacing: -.05pt;">a</span>ht<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .05pt;">ar</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span>um<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: .3pt;">h</span>i
k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: .4pt;"> </span><i style="mso-bidi-font-style: normal;">(basic<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">ee</span><span style="letter-spacing: .1pt;">d</span>)
</i>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">ar</span>a<span style="letter-spacing: .2pt;"> </span>minim<span style="letter-spacing: -.05pt;">a</span>l,<span style="letter-spacing: .25pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">er</span>ti<span style="letter-spacing: .25pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>n, s<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>, p<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>n .<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.65pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b) <span style="letter-spacing: 1.7pt;"><span style="mso-spacerun: yes;"> </span></span>K<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .1pt;"> s</span><span style="letter-spacing: -.05pt;">e</span>j<span style="letter-spacing: -.05pt;">a</span>ht<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: .25pt;"> </span>I <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>ga<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nuhi
k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span>d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">car</span>a<span style="letter-spacing: .05pt;"> </span>minim<span style="letter-spacing: -.05pt;">a</span>l, t<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">a</span>pi b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span>um d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nuhi k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n sosi<span style="letter-spacing: -.05pt;">a</span>l
psikolo<span style="letter-spacing: -.1pt;">g</span>is<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>, <span style="letter-spacing: .15pt;">s</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>ti k<span style="letter-spacing: -.05pt;">e</span>butu<span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span>ndidik<span style="letter-spacing: -.05pt;">a</span>n, k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a <span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">ere</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">ca</span><span style="letter-spacing: .1pt;">n</span>a
(K<span style="letter-spacing: -.1pt;">B</span>),<span style="letter-spacing: .05pt;"> </span>int<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">ra</span>ksi<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .15pt;"> </span>int<span style="letter-spacing: -.05pt;">era</span>ksi
lin<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n t<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">a</span>t ti<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>l,
d<span style="letter-spacing: -.05pt;">a</span>n t<span style="letter-spacing: -.05pt;">ra</span>nspo<span style="letter-spacing: -.05pt;">r</span>t<span style="letter-spacing: -.05pt;">a</span>si.<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection10">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.55pt; margin-top: 1.45pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">c</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.5pt;"><span style="mso-spacerun: yes;"> </span></span>K<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">j</span><span style="letter-spacing: -.05pt;">a</span>ht<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">I</span>I<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>ga<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>dis<span style="letter-spacing: -.05pt;">a</span>mping<span style="mso-spacerun: yes;"> </span>t<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nuhi<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: .05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .05pt;"> </span>j<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.1pt;">g</span>a t<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nuhi<span style="letter-spacing: .3pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n sosi<span style="letter-spacing: -.05pt;">a</span>l
psikolo<span style="letter-spacing: -.1pt;">g</span>is<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>, <span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">a</span>pi
b<span style="letter-spacing: -.05pt;">e</span>lum d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nuhi k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>,<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: .05pt;">e</span>p<span style="letter-spacing: -.05pt;">er</span>ti<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>untuk<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>bung
d<span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: -.05pt;">e</span>mp<span style="letter-spacing: -.05pt;">er</span>ol<span style="letter-spacing: -.05pt;">e</span>h in<span style="letter-spacing: -.05pt;">f</span>o<span style="letter-spacing: -.05pt;">r</span>m<span style="letter-spacing: -.05pt;">a</span>si.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.7pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">d)<span style="mso-spacerun: yes;"> </span>K<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .45pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">j</span><span style="letter-spacing: -.05pt;">a</span>ht<span style="letter-spacing: -.05pt;">er</span>a<span style="letter-spacing: .55pt;"> </span><span style="letter-spacing: -.05pt;">II</span>I<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: .05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .5pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .7pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .4pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .5pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .5pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nuhi
s<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">r</span>uh k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span>,
sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>psikolo<span style="letter-spacing: -.1pt;">g</span>is,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .2pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<span style="mso-spacerun: yes;"> </span>T<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">a</span>pi,<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>lum<span style="mso-spacerun: yes;">
</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="mso-spacerun: yes;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">er</span>ik<span style="letter-spacing: .05pt;">a</span>n<span style="mso-spacerun: yes;">
</span>sumb<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g t<span style="letter-spacing: -.05pt;">era</span>tur
p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a
m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t,<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">er</span>ti<span style="letter-spacing: .05pt;"> </span>sumb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>i,<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">era</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>ktif
d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m
k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.65pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.5pt;"><span style="mso-spacerun: yes;"> </span></span>K<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>j<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">er</span>a<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">II</span>I<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">plus<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span></i><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">ar</span>ga<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>t<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t
m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nuhi<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">r</span>uh k<span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span>, sos<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>psikolo<span style="letter-spacing: -.1pt;">g</span>is d<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .15pt;">t</span>a<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>h d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>ik<span style="letter-spacing: -.05pt;">a</span>n sumb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g t<span style="letter-spacing: -.05pt;">era</span>tur<span style="letter-spacing: -.05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span>p<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">ra</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>ktif<span style="letter-spacing: -.05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .2pt;">n</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 8.0pt; margin-top: .3pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 8.5pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 17.15pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">3. <span style="letter-spacing: 2.9pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">G</span>olo<span style="letter-spacing: .05pt;">n</span>gan<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">nd</span>a<span style="letter-spacing: .05pt;">p</span>a<span style="letter-spacing: -.05pt;">t</span>an<span style="letter-spacing: .05pt;"> </span>E<span style="letter-spacing: .05pt;">k</span>o<span style="letter-spacing: .05pt;">n</span>o<span style="letter-spacing: -.15pt;">m</span>i<span style="letter-spacing: .15pt;"> </span>O<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: -.05pt;">t</span><span style="letter-spacing: .05pt;">u</span>a</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .45pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.5pt; margin-top: 0cm; text-align: justify; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">A<span style="letter-spacing: -.05pt;">c</span>hm<span style="letter-spacing: -.05pt;">a</span>d,<span style="letter-spacing: .05pt;"> </span>2006 <span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span>(d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>Okt<span style="letter-spacing: .05pt;">i</span>,<span style="letter-spacing: .05pt;"> </span>2008)
m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>olo<span style="letter-spacing: .1pt;">n</span>gk<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>t<span style="letter-spacing: -.05pt;">er</span>ti<span style="letter-spacing: .1pt;">n</span>ggi hing<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g b<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .1pt;">o</span>mpok<span style="letter-spacing: .1pt;"> </span>j<span style="letter-spacing: -.05pt;">e</span>nis<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">er</span>j<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .2pt;">a</span>.<span style="letter-spacing: .1pt;"> </span>Unt<span style="letter-spacing: -.1pt;">u</span>k k<span style="letter-spacing: -.05pt;">e</span>lompok
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .15pt;">j</span>a<span style="mso-spacerun: yes;"> </span>n<span style="letter-spacing: .1pt;">o</span><span style="letter-spacing: .05pt;">n</span><span style="letter-spacing: -.05pt;">-</span>st<span style="letter-spacing: -.05pt;">a</span>f<span style="mso-spacerun: yes;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>ti:
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">a</span>ni,
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>n,
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">e</span>t,d<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">r</span>u. <span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: -.05pt;"> </span>l<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;">n</span>:<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 56.3pt; margin-right: 33.25pt; margin-top: .5pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n
t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>nd<span style="letter-spacing: -.05pt;">a</span>h mu<span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: .05pt;">a</span>i d<span style="letter-spacing: -.05pt;">ar</span>i
Rp 300.00<span style="letter-spacing: .05pt;">0</span><span style="letter-spacing: -.05pt;">-</span>500.<span style="letter-spacing: .1pt;">0</span>00,<span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.2pt;">y</span><span style="letter-spacing: .05pt;">a</span>. b)<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 2.25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>mul<span style="letter-spacing: .05pt;">a</span>i
d<span style="letter-spacing: -.05pt;">ar</span>i Rp 600.00<span style="letter-spacing: .15pt;">0</span><span style="letter-spacing: -.05pt;">-</span>1.000.000,<span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 56.3pt; margin-right: 0cm; margin-top: .5pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">c</span><span lang="EN-US" style="font-size: 12.0pt;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>ting<span style="letter-spacing: -.1pt;">g</span>i<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>mul<span style="letter-spacing: -.05pt;">a</span>i<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">ar</span>i<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>Rp<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>1<span style="letter-spacing: .1pt;">.</span>000.00<span style="letter-spacing: .25pt;">0</span><span style="letter-spacing: -.05pt;">-</span>1.700.000,-<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .8pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 77.5pt;"><span lang="EN-US" style="font-size: 12.0pt;">/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection11">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.8pt; margin-top: 1.45pt; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">Untuk <span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>lompok <span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">er</span>ja <span style="letter-spacing: 1.75pt;"><span style="mso-spacerun: yes;"> </span></span>st<span style="letter-spacing: -.05pt;">af</span>f
<span style="letter-spacing: 1.75pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">er</span>ti:
<span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .2pt;">r</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>w<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">er</span>us<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">aa</span>n, <span style="letter-spacing: 1.8pt;"><span style="mso-spacerun: yes;"> </span></span>dokt<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>, p<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">ara</span>, <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n dos<span style="letter-spacing: -.05pt;">e</span>n.
<span style="letter-spacing: .05pt;">Pe</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: -.05pt;"> </span>l<span style="letter-spacing: -.05pt;">a</span>in:<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 56.3pt; margin-right: 16.35pt; margin-top: .5pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n
t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">re</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>h
mul<span style="letter-spacing: -.05pt;">a</span>i d<span style="letter-spacing: -.05pt;">ar</span>i Rp 1.800.00<span style="letter-spacing: .15pt;">0</span><span style="letter-spacing: -.05pt;">-</span>2.500.000,<span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>. b)<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 2.25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>mul<span style="letter-spacing: .05pt;">a</span>i
d<span style="letter-spacing: -.05pt;">ar</span>i Rp 3.000.00<span style="letter-spacing: .15pt;">0</span><span style="letter-spacing: -.05pt;">-</span>5.000.000,<span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 59.3pt; margin-right: 7.6pt; margin-top: .5pt; text-indent: -3.0pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">c</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span>n
t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>ting<span style="letter-spacing: -.1pt;">g</span>i m<span style="letter-spacing: .1pt;">u</span>l<span style="letter-spacing: -.05pt;">a</span>i d<span style="letter-spacing: -.05pt;">ar</span>i
Rp 5.000.00<span style="letter-spacing: .15pt;">0</span><span style="letter-spacing: -.05pt;">-</span>8.000.000,<span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.
<span style="letter-spacing: -.1pt;">B</span><span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: .1pt;">K</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>j<span style="letter-spacing: -.05pt;">a</span>ht<span style="letter-spacing: .05pt;">er</span><span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: 1.45pt;"> </span>R<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">k</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>t<span style="letter-spacing: 1.7pt;"> </span><span style="letter-spacing: -.15pt;">I</span>ndon<span style="letter-spacing: -.05pt;">e</span>sia<span style="letter-spacing: 1.5pt;"> </span>(K<span style="letter-spacing: .15pt;">R</span><span style="letter-spacing: -.15pt;">I</span>)<span style="letter-spacing: 1.45pt;"> </span>(d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: 1.45pt;"> </span>B<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: .05pt;">P</span>u<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>t<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.9pt; margin-top: .5pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">t<span style="letter-spacing: -.05pt;">a</span>tistik <span style="letter-spacing: .85pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .85pt;"><span style="mso-spacerun: yes;"> </span></span>litb<span style="letter-spacing: -.05pt;">a</span>ng <span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: .1pt;">o</span>mp<span style="letter-spacing: -.05pt;">a</span>s <span style="letter-spacing: .85pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m <span style="letter-spacing: .85pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.1pt;">g</span>ionto: <span style="letter-spacing: .95pt;"><span style="mso-spacerun: yes;"> </span></span>2012) <span style="letter-spacing: .85pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .85pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">e</span>konomi<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nduduk
di<span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: .15pt;">l</span>on<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>n
3<span style="letter-spacing: .1pt;"> </span>(tig<span style="letter-spacing: -.05pt;">a</span>)<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">g</span>olo<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>itu<span style="letter-spacing: .05pt;"> </span>:<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; margin-top: .25pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 56.3pt; margin-right: 43.05pt; margin-top: 0cm; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>nduduk k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: -.05pt;">r</span>i miskin <span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;">
</span>Rp 243.729<span style="letter-spacing: .1pt;">,</span><span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>. b)<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 2.25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>nduduk k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: -.05pt;">r</span>i m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;">
</span>Rp 750.00<span style="letter-spacing: .05pt;">0</span><span style="letter-spacing: -.05pt;">-</span>1.900.<span style="letter-spacing: .1pt;">0</span>00,<span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: -.05pt;">c</span>)<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>nduduk k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: -.05pt;">r</span>i <span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>≥Rp 2.000.000<span style="letter-spacing: .05pt;">,</span><span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">y</span>a<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.25pt; margin-right: 7.65pt; margin-top: .5pt; text-align: justify; text-indent: 28.3pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">D<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span>miki<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">era</span><span style="letter-spacing: .1pt;">p</span>a p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>s<span style="letter-spacing: .05pt;">e</span>but<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>ka disimpulk<span style="letter-spacing: -.05pt;">a</span>n st<span style="letter-spacing: -.05pt;">a</span>tus<span style="letter-spacing: .15pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">e</span>konomi<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>v<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g k<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .1pt;">u</span>duk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u<span style="letter-spacing: .15pt;"> </span>posisi<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>ng d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t b<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>k<span style="letter-spacing: .05pt;">a</span>it<span style="letter-spacing: -.05pt;">a</span>n d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>.
D<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
nil<span style="letter-spacing: -.05pt;">a</span>i <span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>bul<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">e</span>s<span style="letter-spacing: -.05pt;">a</span>r<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 56.3pt; margin-right: 97.05pt; margin-top: .5pt; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: -.05pt;">r</span>i miskin <span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>u b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">a</span>h Rp 243.729<span style="letter-spacing: .1pt;">,</span><span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.
b)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.25pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: -.05pt;">r</span>i m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .05pt;">e</span>g<span style="letter-spacing: -.05pt;">a</span>h
Rp 750.00<span style="letter-spacing: .05pt;">0</span><span style="letter-spacing: -.05pt;">-</span>1.900.000,<span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: -.05pt;">c</span>)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>o<span style="letter-spacing: -.05pt;">r</span>i <span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>≥
Rp 2.000<span style="letter-spacing: .1pt;">.</span>000,<span style="letter-spacing: -.05pt;">-</span>/bul<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 8.0pt; margin-top: .35pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 8.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 110.05pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">D. <span style="letter-spacing: .35pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">K</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: .05pt;">k</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span>i<span style="letter-spacing: .05pt;">k</span>i<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .05pt;">n</span>,<span style="letter-spacing: .2pt;"> </span>As<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: -.15pt;">m</span>si,<span style="letter-spacing: .05pt;"> </span>Hi<span style="letter-spacing: .05pt;">p</span>o<span style="letter-spacing: -.05pt;">te</span>sa</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .8pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left: 17.05pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">1.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.1pt;">K</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: .05pt;">k</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.15pt;">m</span>i<span style="letter-spacing: .05pt;">k</span>i<span style="letter-spacing: -.05pt;">r</span>an</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.8pt; margin-top: 0cm; text-indent: 38.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">K<span style="letter-spacing: -.05pt;">era</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span>a<span style="letter-spacing: 2.0pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: -.05pt;">r</span>itis<span style="letter-spacing: 2.05pt;"> </span>ini<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: -.1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nj<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>sk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.05pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: 2.15pt;"> </span>konsumtif<span style="letter-spacing: 2.0pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: 2.0pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja ditinj<span style="letter-spacing: -.05pt;">a</span>u <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">ar</span>i
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>st<span style="letter-spacing: -.05pt;">a</span>tus<span style="mso-spacerun: yes;">
</span>sos<span style="letter-spacing: -.1pt;">i</span><span style="letter-spacing: -.05pt;">a</span>l <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">e</span>konomi
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>o<span style="letter-spacing: -.05pt;">ra</span>n<span style="letter-spacing: -.1pt;">g</span>tu<span style="letter-spacing: -.05pt;">a</span>. <span style="letter-spacing: .35pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>konsumtif <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.15pt;">e</span>mpu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<div class="WordSection12">
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 11.0pt; margin-top: .75pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 11.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.5pt; margin-top: 1.45pt; text-align: justify;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt; line-height: 200%;">g</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">m<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">ara</span>n<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g b<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">ca</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">-</span>m<span style="letter-spacing: -.05pt;">aca</span>m.<span style="letter-spacing: .1pt;"> </span>M<span style="letter-spacing: -.05pt;">e</span>nu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">S</span>um<span style="letter-spacing: -.05pt;">ar</span>tono<span style="letter-spacing: .1pt;"> </span>(d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>End<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g,<span style="letter-spacing: .1pt;"> </span>2013), p<span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku k<span style="letter-spacing: .05pt;">o</span>nsumtif
m<span style="letter-spacing: -.05pt;">er</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n su<span style="letter-spacing: -.05pt;">a</span>tu tind<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: .05pt;">e</span>ng<span style="letter-spacing: -.1pt;">g</span>un<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n
su<span style="letter-spacing: -.05pt;">a</span>tu p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">ecar</span>a tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .15pt;"> </span>tunt<span style="letter-spacing: -.05pt;">a</span>s.<span style="letter-spacing: .15pt;"> </span>A<span style="letter-spacing: -.05pt;">r</span>ti<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span>um<span style="letter-spacing: .15pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>bis<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>od<span style="letter-spacing: .1pt;">u</span>k<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dip<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
t<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .15pt;"> </span>l<span style="letter-spacing: -.05pt;">a</span>in<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">f</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>si<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g s<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .15pt;"> </span>H<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span>ini<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>ntun<span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>bisk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">ra</span>n<span style="letter-spacing: .05pt;"> </span>individu<span style="letter-spacing: .05pt;">
</span>l<span style="letter-spacing: -.05pt;">e</span>bih<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>k.<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .05pt;"> </span>konsumtif h<span style="letter-spacing: -.05pt;">ar</span>us didukung<span style="letter-spacing: 1.3pt;"> </span>ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>ku<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.55pt;"> </span><span style="letter-spacing: -.05pt;">f</span>in<span style="letter-spacing: -.05pt;">a</span>nsi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: 1.55pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 1.3pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>i,<span style="letter-spacing: 1.45pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: -.05pt;">a</span>khi<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 1.5pt;"> </span>p<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: 1.55pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">er</span>ti ini<span style="letter-spacing: .05pt;">
</span>tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">ac</span>u<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>mp<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">e</span>konomi,<span style="letter-spacing: .2pt;"> </span>t<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: -.05pt;">a</span>pi<span style="letter-spacing: .05pt;"> </span>juga
psikolo<span style="letter-spacing: -.1pt;">g</span>is<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l (A<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .25pt;">s</span><span style="letter-spacing: -.25pt;">y</span>,
2006).<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.5pt; margin-top: .5pt; text-align: justify; text-indent: 36.0pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">i<span style="letter-spacing: -.05pt;">r</span>ing
p<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">b</span>iolo<span style="letter-spacing: -.1pt;">g</span>is,<span style="letter-spacing: .15pt;"> </span>psikolo<span style="letter-spacing: -.1pt;">g</span>is,<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: -.05pt;">e</span>konomi,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>suki<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .15pt;"> </span>dim<span style="letter-spacing: -.05pt;">a</span>na<span style="letter-spacing: .1pt;"> </span>sud<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>l<span style="letter-spacing: -.05pt;">e</span>bih<span style="letter-spacing: .05pt;"> </span>bij<span style="letter-spacing: -.05pt;">a</span>ks<span style="letter-spacing: -.05pt;">a</span>na <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>sud<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>l<span style="letter-spacing: -.05pt;">e</span>bih<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>mpu<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>mbu<span style="letter-spacing: -.05pt;">a</span>t k<span style="letter-spacing: -.05pt;">e</span>putus<span style="letter-spacing: -.05pt;">a</span>n s<span style="letter-spacing: -.05pt;">e</span>ndi<span style="letter-spacing: -.05pt;">r</span>i. H<span style="letter-spacing: -.05pt;">a</span>l
ini m<span style="letter-spacing: -.05pt;">e</span>nin<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>tk<span style="letter-spacing: -.05pt;">a</span>n k<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .05pt;">a</span>ndi<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: -.05pt;">a</span>,
t<span style="letter-spacing: -.05pt;">er</span>m<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .1pt;">u</span>k ju<span style="letter-spacing: -.1pt;">g</span>a posisi<span style="letter-spacing: .1pt;">n</span>y
<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .4pt;"> </span>konsum<span style="letter-spacing: -.05pt;">e</span>n.<span style="letter-spacing: .35pt;"> </span>R<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .3pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>miliki<span style="letter-spacing: .4pt;"> </span>pil<span style="letter-spacing: -.1pt;">i</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .35pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>ndi<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .4pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .5pt;"> </span><span style="letter-spacing: .05pt;">a</span>pa<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g h<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;"> </span>ia
l<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>u<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .15pt;">t</span>uk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>ndi<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">r</span>oduk<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g h<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>k ia<span style="letter-spacing: -.05pt;"> </span>l<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>n u<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">e</span>ntu<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n
s<span style="letter-spacing: -.05pt;">e</span>ndi<span style="letter-spacing: -.05pt;">r</span>i p<span style="letter-spacing: -.05pt;">r</span>oduk <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span>a<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>ng<span style="letter-spacing: -.1pt;"> </span>i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>in
ia<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>li.<span style="letter-spacing: .1pt;"> </span>N<span style="letter-spacing: -.05pt;">a</span>mun<span style="letter-spacing: .1pt;"> </span>dil<span style="letter-spacing: -.05pt;">a</span>in<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">p</span>i<span style="letter-spacing: -.1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>k,<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> </span>konsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>miliki k<span style="letter-spacing: -.05pt;">ara</span>kt<span style="letter-spacing: -.05pt;">er</span>istik<span style="letter-spacing: .1pt;"> </span>;<span style="letter-spacing: .1pt;"> </span>1) mud<span style="letter-spacing: -.05pt;">a</span>h
t<span style="letter-spacing: -.05pt;">er</span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>uh ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>u<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span>nj<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>l,<span style="letter-spacing: .15pt;"> </span>2) mud<span style="letter-spacing: .05pt;">a</span>h
t<span style="letter-spacing: -.05pt;">er</span>bujuk <span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>u<span style="letter-spacing: -.05pt;">a</span>n
ikl<span style="letter-spacing: -.05pt;">a</span>n, <span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">er</span>ut<span style="letter-spacing: -.05pt;">a</span>ma p<span style="letter-spacing: -.05pt;">a</span>da<span style="mso-spacerun: yes;"> </span>k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">ra</span>pi<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">er</span>t<span style="letter-spacing: -.05pt;">a</span>s
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">b</span>un<span style="letter-spacing: -.1pt;">g</span>kus,
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>3)
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>tid<span style="letter-spacing: -.05pt;">a</span>k <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">rf</span>i<span style="letter-spacing: .1pt;">k</span>ir<span style="mso-spacerun: yes;"> </span>h<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">a</span>t, <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>4) <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">a</span>listi<span style="letter-spacing: -.1pt;">s</span>,
<span style="letter-spacing: -.05pt;">r</span>om<span style="letter-spacing: -.05pt;">a</span>ntis,
d<span style="letter-spacing: -.05pt;">a</span>n mud<span style="letter-spacing: -.05pt;">a</span>h t<span style="letter-spacing: -.05pt;">er</span><span style="letter-spacing: .1pt;">b</span>ujuk (implusi<span style="letter-spacing: -.05pt;">f</span>) (M<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: .1pt;">u</span>n<span style="letter-spacing: -.05pt;">e</span>g<span style="letter-spacing: -.05pt;">ara</span>,
200<span style="letter-spacing: .1pt;">2</span>)<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.8pt; margin-top: .5pt; text-align: justify; text-indent: 36.0pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">W</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b<span style="letter-spacing: -.05pt;">e</span>r
(d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">e</span>nslin,<span style="letter-spacing: .05pt;"> </span>2006)<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">e</span>nisik<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>st<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span>us<span style="letter-spacing: .05pt;"> </span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>konomi<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h
s<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">l</span>ompok<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">a</span>r<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>o<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">a</span>ng<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>p<span style="letter-spacing: -.05pt;">er</span>i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">a</span>ling<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: .05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>h<span style="letter-spacing: -.05pt;">a</span>l
k<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n, k<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">re</span>stis<span style="letter-spacing: -.05pt;">e</span>.
<span style="letter-spacing: .1pt;">K</span><span style="letter-spacing: -.05pt;">e</span>tiga<span style="letter-spacing: -.05pt;"> </span>unsur<span style="letter-spacing: .05pt;"> </span>ini
m<span style="letter-spacing: -.05pt;">e</span>mis<span style="letter-spacing: -.05pt;">a</span>hk<span style="letter-spacing: -.05pt;">a</span>n o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">a</span>m
<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a hidup<span style="letter-spacing: .1pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">er</span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: -.05pt;">-</span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .05pt;">a</span>.<o:p></o:p></span></p>
</div>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" />
</span>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 10.0pt; mso-line-height-rule: exactly;"><span lang="EN-US"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 12.0pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 12.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 17.05pt; margin-right: 0cm; margin-top: 1.45pt;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt;">2.<span style="mso-spacerun: yes;"> </span>As<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: -.15pt;">m</span>si</span></b><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 13.0pt; margin-top: .55pt; mso-line-height-rule: exactly;"><span lang="EN-US" style="font-size: 13.0pt;"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 20.9pt; margin-right: 7.9pt; margin-top: 0cm; text-indent: 35.4pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">D<span style="letter-spacing: -.05pt;">ar</span>i <span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">o</span><span style="letter-spacing: -.05pt;">r</span>i
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>u<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: -.05pt;">a</span>h <span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>dik<span style="letter-spacing: -.05pt;">e</span>muk<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;">a</span>n
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>di
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s.
<span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span>M<span style="letter-spacing: -.05pt;">a</span>ka <span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>nul<span style="letter-spacing: .15pt;">i</span>s m<span style="letter-spacing: -.05pt;">e</span>miliki<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>sumsi
s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">er</span>ikut:<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.6pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">) <span style="letter-spacing: 2.15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .05pt;"> </span>konsumtif <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: -.05pt;">er</span>u<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: .05pt;">r</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">e</span>li<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
m<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>ng
tid<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .15pt;"> </span>did<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">ar</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">er</span>timb<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: -.05pt;">ra</span>sion<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n m<span style="letter-spacing: -.05pt;">e</span>miliki<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">ece</span>nd<span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>n
untuk m<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>konsumsi<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>su<span style="letter-spacing: -.05pt;">a</span>tu
t<span style="letter-spacing: -.05pt;">a</span>npa b<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>dim<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>a in<span style="letter-spacing: .1pt;">d</span>ividu<span style="letter-spacing: .05pt;"> </span>l<span style="letter-spacing: -.05pt;">e</span>bih<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>ntin<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .35pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">fa</span>ktor
<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>i<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>in<span style="letter-spacing: -.05pt;">a</span>n d<span style="letter-spacing: -.05pt;">ar</span>ip<span style="letter-spacing: -.05pt;">a</span>da <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>butuh<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>ta<span style="letter-spacing: .1pt;"> </span>dit<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>ol<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: .05pt;">e</span>hidup<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>w<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g m<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: -.05pt;">er</span>ik<span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>n
d<span style="letter-spacing: .05pt;">a</span>n k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">f</span>isik.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.85pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b) <span style="letter-spacing: .4pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">a</span>da d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .15pt;"> </span>konsumtif
s<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> e</span><span style="letter-spacing: -.05pt;">ra</span>t<span style="letter-spacing: .2pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span>it<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
t<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p k<span style="letter-spacing: -.05pt;">e</span>hidup<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">re</span>m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">j</span><span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.7pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">c</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">) <span style="letter-spacing: 1.55pt;"><span style="mso-spacerun: yes;"> </span></span>D<span style="letter-spacing: -.05pt;">a</span>mp<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .15pt;"> </span>konsumtif di<span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: -.05pt;">ara</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .45pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nimbulk<span style="letter-spacing: -.05pt;">a</span>n
m<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>u<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a
k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .05pt;"> </span>jika individu<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">b</span><span style="letter-spacing: -.05pt;">era</span>s<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .05pt;">ar</span><span style="letter-spacing: -.1pt;">g</span>a
m<span style="letter-spacing: -.05pt;">a</span>mpu. D<span style="letter-spacing: -.05pt;">a</span>mp<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">e</span>kon<span style="letter-spacing: .1pt;">o</span>mi ini mun<span style="letter-spacing: -.1pt;">g</span>kin
tid<span style="letter-spacing: -.05pt;">a</span>k <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n di<span style="letter-spacing: -.05pt;">ra</span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n. <span style="letter-spacing: .1pt;">N</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: -.05pt;">a</span>n,
d<span style="letter-spacing: -.05pt;">a</span>mp<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;"> </span>ini<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nj<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>i<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>jika
individu<span style="letter-spacing: .2pt;"> </span>b<span style="letter-spacing: -.05pt;">era</span>s<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;"> d</span><span style="letter-spacing: -.05pt;">ar</span>i<span style="letter-spacing: .1pt;"> k</span><span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a bi<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>/ ku<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>m<span style="letter-spacing: -.05pt;">a</span>mpu.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.5pt; margin-right: 7.55pt; margin-top: .5pt; text-align: justify; text-indent: -21.25pt;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">d)<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .45pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">S</span>t<span style="letter-spacing: -.05pt;">a</span>tus<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>sosi<span style="letter-spacing: -.05pt;">a</span>l<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">e</span>ko<span style="letter-spacing: .1pt;">n</span>omi<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>h<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>lompok<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">a</span>r<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>o<span style="letter-spacing: -.05pt;">ra</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
p<span style="letter-spacing: -.05pt;">er</span>in<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">a</span>li<span style="letter-spacing: .1pt;">n</span>g
b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>d<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">aa</span>n,<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>ku<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">re</span>stis<span style="letter-spacing: -.05pt;">e</span>.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span>K</span><span style="letter-spacing: -.05pt;">e</span>tiga<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>unsur<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>ini<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>m<span style="letter-spacing: -.05pt;">e</span>mis<span style="letter-spacing: -.05pt;">a</span>hk<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span>o</span><span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">a</span>ng<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: -.05pt;">a</span>m<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .45pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">er</span>il<span style="letter-spacing: -.05pt;">a</span>ku
konsumtif<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>b<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>b<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: .1pt;">-</span>b<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></p>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-81704593123600201052020-11-26T05:19:00.004-08:002022-08-15T05:26:25.398-07:00Teori Gaya Hidup<div class="WordSection1">
<p align="center" class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: 1.45pt; margin: 1.45pt 3.85pt 0cm 0cm; text-align: center; text-indent: 18pt;"><b><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN; text-align: justify; text-indent: 18pt;">A.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN; text-align: justify; text-indent: 18pt;">Gaya Hidup</span></b></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: 1.45pt; margin: 1.45pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">G<span style="letter-spacing: 0.15pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a
hidup<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.15pt;"> </span>pr<span style="letter-spacing: 0.1pt;">i</span>nsip<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;"> </span>dipa<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.3pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: 0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.1pt;"> </span>land<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>u<span style="letter-spacing: 0.1pt;">n</span>tuk mem<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>mi<span style="letter-spacing: 2.9pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 2.85pt;"> </span>laku<span style="letter-spacing: 2.95pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 2.75pt;"> </span>mel<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>rb<span style="letter-spacing: -0.1pt;">e</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 2.9pt;"> </span>sif<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 2.9pt;"> </span>kh<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 2.9pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu.<span style="letter-spacing: 2.9pt;"> </span>G<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a hidup<span style="letter-spacing: 0.15pt;">
</span>ju<span style="letter-spacing: -0.1pt;">g</span>a<span style="letter-spacing: 0.2pt;"> </span>me<span style="letter-spacing: -0.05pt;">r</span>u<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.35pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>mb<span style="letter-spacing: 0.05pt;">i</span>mb<span style="letter-spacing: 0.05pt;">i</span>ng d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>m<span style="letter-spacing: 0.15pt;"> </span>hi<span style="letter-spacing: 0.15pt;">d</span>up<span style="letter-spacing: 0.1pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 0.35pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>dip<span style="letter-spacing: 0.1pt;">e</span>r<span style="letter-spacing: 0.1pt;">j</span>u<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n te<span style="letter-spacing: -0.05pt;">r</span>h<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: 0.05pt;">e</span>g<span style="letter-spacing: -0.05pt;">a</span>la ma<span style="letter-spacing: -0.05pt;">ca</span>m<span style="letter-spacing: 0.05pt;"> r</span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn1" name="_ftnref1" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></a><span style="letter-spacing: 0.05pt;"> S</span>u<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>b<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>ta
men<span style="letter-spacing: 0.1pt;">j</span><span style="letter-spacing: -0.05pt;">e</span>lask<span style="letter-spacing: -0.05pt;">a</span>n b<span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.15pt;"> </span>g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.15pt;"> </span>hidup<span style="letter-spacing: 0.15pt;"> </span>me<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.1pt;">u</span>p<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> p</span><span style="letter-spacing: -0.05pt;">e</span>mb<span style="letter-spacing: 0.05pt;">i</span>mb<span style="letter-spacing: 0.05pt;">i</span>ng <span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.1pt;">a</span>m<span style="letter-spacing: 0.15pt;"> </span>menj<span style="letter-spacing: -0.05pt;">a</span>lani<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>hidu<span style="letter-spacing: 0.15pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu
d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;">
</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>dipe<span style="letter-spacing: -0.05pt;">r</span>j<span style="letter-spacing: 0.15pt;">u</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.05pt;"> </span>diwujudkan
<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.15pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.15pt;"> </span>laku. <span style="letter-spacing: 0.1pt;">G</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.05pt;"> </span>juga
d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>mel<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;">a</span>rb<span style="letter-spacing: -0.1pt;">e</span>la<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">s</span>if<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>kh<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.05pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu.<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">a</span>ma<span style="letter-spacing: 0.15pt;"> </span>h<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a
<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">e</span>s
meng<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>hidup</span><span style="font-size: 12pt; letter-spacing: 0.1pt; line-height: 200%; mso-ansi-language: IN;">.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn2" name="_ftnref2" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; letter-spacing: 0.1pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></a></span><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><i><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">T</span></i><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">he<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>ombinat<span style="letter-spacing: 0.05pt;">i</span>on<span style="letter-spacing: 0.1pt;"> </span>of su<span style="letter-spacing: -0.05pt;">c</span>h<span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rd<span style="letter-spacing: -0.05pt;">e</span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">e</span>nt<span style="letter-spacing: 0.1pt;"> </span>at<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.05pt;">t</span>ud<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: -0.1pt;">s</span>,<span style="letter-spacing: 0.1pt;"> </span>mann<span style="letter-spacing: -0.05pt;">e</span>rs,<span style="letter-spacing: 0.1pt;"> </span>and<span style="letter-spacing: 0.1pt;"> </span>pat<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rns of a<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span>on<span style="letter-spacing: 0.05pt;"> </span>forms<span style="letter-spacing: 0.05pt;"> </span>what<span style="letter-spacing: 0.05pt;"> </span>I
<span style="letter-spacing: -0.1pt;">a</span>m <span style="letter-spacing: -0.05pt;">c</span>al<span style="letter-spacing: 0.05pt;">l</span>ing<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span>style of<span style="letter-spacing: 0.05pt;">
</span>l<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.1pt;">f</span><span style="letter-spacing: 0.15pt;">e</span></span></i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">.<span style="letter-spacing: 0.05pt;"> </span><i>It<span style="letter-spacing: 0.05pt;"> </span>is<span style="letter-spacing: 0.05pt;"> </span>an<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">ex</span>pr<span style="letter-spacing: -0.05pt;">e</span>ss<span style="letter-spacing: 0.05pt;">i</span>on<span style="letter-spacing: 0.05pt;"> </span>of ind<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>idua<span style="letter-spacing: 0.05pt;">l</span>i<span style="letter-spacing: 0.05pt;">t</span>y<span style="letter-spacing: 0.05pt;"> </span>that<span style="letter-spacing: 0.15pt;"> </span>g<span style="letter-spacing: -0.1pt;">u</span>i<span style="letter-spacing: -0.1pt;">d</span><span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.1pt;"> </span>how<span style="letter-spacing: 0.1pt;"> </span>one<span style="letter-spacing: 0.05pt;"> </span>wants to l<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>e<span style="letter-spacing: 0.05pt;"> </span>in<span style="letter-spacing: 0.1pt;"> </span>the<span style="letter-spacing: 0.05pt;"> </span>particul<span style="letter-spacing: -0.1pt;">a</span>r
<span style="letter-spacing: -0.05pt;">c</span>ircu<span style="letter-spacing: -0.05pt;">m</span>stanc<span style="letter-spacing: -0.05pt;">e</span>s that<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">c</span><span style="letter-spacing: 0.05pt;">o</span>nst<span style="letter-spacing: 0.15pt;">i</span>tu<span style="letter-spacing: 0.05pt;">t</span>e the <span style="letter-spacing: -0.05pt;">c</span>onte<span style="letter-spacing: -0.05pt;">x</span>t of<span style="letter-spacing: 0.05pt;"> </span>on<span style="letter-spacing: -0.05pt;">e</span>’s <span style="letter-spacing: 0.1pt;">l</span>i<span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">e</span>.</i><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">T<span style="letter-spacing: -0.05pt;">e</span>rj<span style="letter-spacing: -0.05pt;">e</span>ma<span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.15pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lah b<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">h</span>wa<span style="letter-spacing: 0.15pt;"> </span>komb<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.1pt;"> </span>sik<span style="letter-spacing: 0.1pt;">a</span>p,</span><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> c</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">r<span style="letter-spacing: -0.1pt;">a</span>,<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>pola t<span style="letter-spacing: 0.05pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>disebut<span style="letter-spacing: 0.05pt;">
</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a hidu<span style="letter-spacing: 0.05pt;">p</span>.<span style="letter-spacing: 0.15pt;"> </span>G<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a
hidup<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lah <span style="letter-spacing: 0.05pt;">e</span>kspr<span style="letter-spacing: -0.05pt;">e</span>si ind<span style="letter-spacing: 0.05pt;">i</span>viduali<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
me<span style="letter-spacing: 0.1pt;">m</span>bi<span style="letter-spacing: 0.05pt;">m</span>bing
b<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>na<span style="letter-spacing: 0.05pt;"> </span>ind<span style="letter-spacing: 0.15pt;">i</span>vidu<span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: -0.1pt;">g</span>in<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">ea</span>d<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n
te<span style="letter-spacing: -0.05pt;">r</span>tentu <span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
memb<span style="letter-spacing: -0.05pt;">e</span>ntuk <span style="letter-spacing: 0.1pt;"> </span>konteks
<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>hidupan <span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>.
<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: 0.1pt;">K</span><span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">e</span>s <span style="letter-spacing: 0.1pt;"> </span>men<span style="letter-spacing: 0.1pt;">j</span><span style="letter-spacing: -0.05pt;">e</span>lask<span style="letter-spacing: -0.05pt;">a</span>n
b<span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.15pt;"> </span>mem<span style="letter-spacing: 0.1pt;">b</span>i<span style="letter-spacing: 0.05pt;">m</span>bing<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span><span style="letter-spacing: 0.05pt;">r</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.15pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>v<span style="letter-spacing: -0.1pt;">i</span>du<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g b<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span>wujud<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;">a</span>m<span style="letter-spacing: 0.15pt;"> </span>sikap, <span style="letter-spacing: -0.05pt;">ca</span>ra<span style="letter-spacing: -0.1pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n pola tindak<span style="letter-spacing: -0.05pt;">a</span>n.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">P</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">nd<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 2.9pt;"> </span>me<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span>i <span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.1pt;">y</span>a<span style="letter-spacing: 2.8pt;"> </span>hidup menu<span style="letter-spacing: -0.05pt;">r</span>ut
<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">F</span>iest <a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn3" name="_ftnref3" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></a> <span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lah</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">b<span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.5pt;"> </span><span style="letter-spacing: -0.05pt;">“</span>s<i>tyle<span style="letter-spacing: 0.4pt;"> </span>of<span style="letter-spacing: 0.6pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>fe<span style="letter-spacing: 0.45pt;"> </span>is<span style="letter-spacing: 0.5pt;"> </span>t<span style="letter-spacing: 0.15pt;">h</span>e<span style="letter-spacing: 0.4pt;"> </span>term<span style="letter-spacing: 0.55pt;"> </span>Adl<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.5pt;"> </span>us<span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: 0.6pt;"> </span>to<span style="letter-spacing: 0.5pt;"> </span>r<span style="letter-spacing: -0.05pt;">e</span>f<span style="letter-spacing: 0.1pt;">e</span>r<span style="letter-spacing: 0.5pt;"> </span>to<span style="letter-spacing: 0.5pt;"> </span>the<span style="letter-spacing: 0.45pt;"> </span>f<span style="letter-spacing: 0.05pt;">l</span>a<span style="letter-spacing: -0.05pt;">v</span>or<span style="letter-spacing: 0.5pt;"> </span>of<span style="letter-spacing: 0.6pt;"> </span>a<span style="letter-spacing: 0.45pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>rs<span style="letter-spacing: 0.15pt;">o</span>n’s<span style="letter-spacing: 0.45pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>fe.</i></span><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></i><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">It
<span style="letter-spacing: 0.35pt;"> </span>includ<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>rson’s<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">g</span>oal,<span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.2pt;">f</span><span style="letter-spacing: -0.05pt;">-c</span>on<span style="letter-spacing: -0.05pt;">ce</span>pt,<span style="letter-spacing: 0.1pt;"> </span>f<span style="letter-spacing: 0.1pt;">e</span><span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>ngs<span style="letter-spacing: 0.05pt;"> </span>for<span style="letter-spacing: 0.1pt;"> </span>others,<span style="letter-spacing: 0.05pt;"> </span>and<span style="letter-spacing: 0.05pt;"> </span>at<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.05pt;">t</span>ude to<span style="letter-spacing: 0.05pt;">w</span>ard
the<span style="letter-spacing: 0.05pt;"> </span>worl<span style="letter-spacing: 0.05pt;">d”</span>.<span style="letter-spacing: 0.1pt;"> </span></span></i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">A<span style="letter-spacing: -0.05pt;">r</span>ti d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>jem<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.1pt;">a</span>h<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>hwa
<span style="letter-spacing: 0.15pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>hidup<span style="letter-spacing: 0.1pt;"> </span>me<span style="letter-spacing: 0.05pt;">r</span>up<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n
is<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g di<span style="letter-spacing: -0.1pt;">g</span>u<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>Adl<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.1pt;"> </span>untuk<span style="letter-spacing: 0.15pt;"> </span>menunjukk<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>le<span style="letter-spacing: -0.05pt;">r</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.15pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">o</span>rang<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
men<span style="letter-spacing: -0.05pt;">ca</span>kup<span style="letter-spacing: 0.1pt;"> </span>tu<span style="letter-spacing: 0.05pt;">j</span>u<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>o<span style="letter-spacing: 0.05pt;">ra</span>n<span style="letter-spacing: -0.1pt;">g</span>,<span style="letter-spacing: 0.1pt;"> </span>kons<span style="letter-spacing: -0.05pt;">e</span>p<span style="letter-spacing: 0.1pt;"> </span>diri,<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">aa</span>n<span style="letter-spacing: 0.2pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>h<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.1pt;"> </span>o<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
lain,<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>sikap te<span style="letter-spacing: -0.05pt;">r</span>h<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.05pt;"> </span>dun<span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.15pt;">L</span><span style="letter-spacing: -0.05pt;">e</span>bih<span style="letter-spacing: 0.1pt;"> </span>l<span style="letter-spacing: 0.1pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>,<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">Sc</span>hul<span style="letter-spacing: 0.05pt;">t</span>z<span style="letter-spacing: 0.2pt;"> </span>menj<span style="letter-spacing: -0.05pt;">e</span>lask<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">“</span><i>a unique<span style="letter-spacing: 0.05pt;"> </span>pat<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rn<span style="letter-spacing: 0.1pt;"> </span>of <span style="letter-spacing: -0.05pt;">c</span>hara<span style="letter-spacing: -0.05pt;">c</span>teris<span style="letter-spacing: 0.05pt;">t</span>ics,<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>ha<span style="letter-spacing: -0.05pt;">v</span>ior<span style="letter-spacing: 0.05pt;">s</span>,<span style="letter-spacing: 0.1pt;"> </span>and<span style="letter-spacing: 0.1pt;"> </span>habi<span style="letter-spacing: 0.05pt;">t</span>s, which<span style="letter-spacing: 0.1pt;">
</span>Adl<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.15pt;">c</span>al<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">e</span>d
a dis<span style="letter-spacing: 0.05pt;">t</span>inctive <span style="letter-spacing: -0.05pt;">c</span>hara<span style="letter-spacing: -0.05pt;">c</span>ter,<span style="letter-spacing: 0.05pt;"> </span>or<span style="letter-spacing: 0.2pt;"> </span>style<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 0.1pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>f<span style="letter-spacing: 0.1pt;">e</span><span style="letter-spacing: 0.05pt;">”</span>.<span style="letter-spacing: 0.1pt;"> </span></i>Arti<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.1pt;">a</span>m<span style="letter-spacing: 0.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>jem<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah
b<span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 2.8pt;"> </span>pola<span style="letter-spacing: 2.85pt;"> </span>kh<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 2.9pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 2.85pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>kt<span style="letter-spacing: 0.1pt;">e</span>rist<span style="letter-spacing: 0.05pt;">i</span>k,<span style="letter-spacing: 2.85pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku,<span style="letter-spacing: 2.85pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 2.85pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>bias<span style="letter-spacing: -0.05pt;">aa</span>n <span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 2.95pt;"> </span>Adl<span style="letter-spacing: -0.05pt;">e</span>r s<span style="letter-spacing: -0.05pt;">e</span>but
k<span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>kt<span style="letter-spacing: 0.1pt;">e</span>r kh<span style="letter-spacing: -0.05pt;">a</span>s <span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tau
<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.1pt;">y</span>a <span style="letter-spacing: 0.1pt;"> </span>hidup. <span style="letter-spacing: 0.1pt;"> </span>Adl<span style="letter-spacing: -0.05pt;">e</span>r me<span style="letter-spacing: 0.2pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span>utkan b<span style="letter-spacing: -0.05pt;">a</span>hwa
<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a
hid<span style="letter-spacing: 0.15pt;">u</span>p <span style="letter-spacing: 0.2pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t di<span style="letter-spacing: 0.05pt;">l</span>ihat d<span style="letter-spacing: -0.05pt;">a</span>ri
k<span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>kt<span style="letter-spacing: 0.1pt;">e</span>rist<span style="letter-spacing: 0.05pt;">i</span>k,
p<span style="letter-spacing: -0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku, d<span style="letter-spacing: -0.05pt;">a</span>n j<span style="letter-spacing: 0.15pt;">u</span><span style="letter-spacing: -0.1pt;">g</span>a<span style="letter-spacing: -0.05pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>bia<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">aa</span>n.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn4" name="_ftnref4" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">Kotler “<i><span style="color: #221f1f;">A<span style="letter-spacing: 0.05pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>f<span style="letter-spacing: 0.1pt;">e</span>style<span style="letter-spacing: 0.05pt;"> </span>is<span style="letter-spacing: 0.1pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>rson’s<span style="letter-spacing: 0.05pt;">
</span>pat<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rn<span style="letter-spacing: 0.1pt;"> </span>of<span style="letter-spacing: 0.1pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>ing<span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: 0.1pt;"> </span>the<span style="letter-spacing: 0.05pt;"> </span>world<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">a</span>s
<span style="letter-spacing: -0.05pt;">ex</span>pr<span style="letter-spacing: -0.05pt;">e</span>ssed<span style="letter-spacing: 0.1pt;"> </span>in a<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>i<span style="letter-spacing: 0.05pt;">t</span>ies,<span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.05pt;">e</span>st<span style="letter-spacing: 0.05pt;">s</span>, and opin<span style="letter-spacing: 0.05pt;">i</span>ons”<span style="letter-spacing: 0.4pt;"> </span></span></i><span style="color: #221f1f; letter-spacing: -0.25pt;">y</span><span style="color: #221f1f; letter-spacing: -0.05pt;">a</span><span style="color: #221f1f; letter-spacing: 0.1pt;">n</span><span style="color: #221f1f;">g d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t d<span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>rtik<span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam
te<span style="letter-spacing: -0.05pt;">r</span>jem<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.15pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;">w</span>a<span style="letter-spacing: 0.05pt;"> </span>g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a hidup<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.15pt;"> </span>pola<span style="letter-spacing: 0.05pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>ksi<span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g diun<span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n d<span style="letter-spacing: -0.05pt;">a</span>lam
k<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.1pt;">g</span>iat<span style="letter-spacing: -0.05pt;">a</span>n, m<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t,<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>o<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn5" name="_ftnref5" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[5]</span></span><!--[endif]--></span></a>
G<span style="letter-spacing: 0.15pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.2pt;"> </span>hidup mengg<span style="letter-spacing: -0.05pt;">a</span>mba<span style="letter-spacing: -0.05pt;">r</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span>si ind<span style="letter-spacing: 0.05pt;">i</span>vidu
d<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>n l<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">k</span>un<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>.<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: 0.1pt;">K</span><span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.1pt;">g</span>iat<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.1pt;"> </span>m<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t
d<span style="letter-spacing: -0.05pt;">a</span>n p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t ini<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: 0.1pt;">n</span>gg<span style="letter-spacing: -0.05pt;">a</span>m<span style="letter-spacing: 0.15pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>rk<span style="letter-spacing: -0.1pt;">a</span>n in<span style="letter-spacing: 0.05pt;">te</span>r<span style="letter-spacing: -0.1pt;">a</span>ksi ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>ku<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">a</span>ma
h<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a <span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>Olson<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>hwa <span style="letter-spacing: 0.05pt;">“</span><i>li<span style="letter-spacing: 0.05pt;">f</span>e
style<span style="letter-spacing: 0.05pt;"> </span>is<span style="letter-spacing: 0.2pt;"> </span>the mann<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 1.7pt;"> </span>in<span style="letter-spacing: 1.7pt;"> </span>which<span style="letter-spacing: 1.65pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>ople<span style="letter-spacing: 1.65pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>ondu<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 1.7pt;"> </span>their<span style="letter-spacing: 1.7pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">ve</span>s,<span style="letter-spacing: 1.7pt;"> </span>including<span style="letter-spacing: 1.7pt;"> </span>their<span style="letter-spacing: 1.7pt;"> </span>a<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>i<span style="letter-spacing: 0.05pt;">t</span>ies,<span style="letter-spacing: 1.65pt;"> </span>i<span style="letter-spacing: -0.1pt;">n</span>ter<span style="letter-spacing: -0.05pt;">e</span>st<span style="letter-spacing: 0.05pt;">s</span>,
and opin<span style="letter-spacing: 0.05pt;">i</span>ons<span style="letter-spacing: 0.05pt;">”</span>.<span style="letter-spacing: 0.05pt;"> </span></i>T<span style="letter-spacing: -0.05pt;">e</span>rj<span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: 0.1pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>n
b<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;">i</span>mat
ini<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>hidup m<span style="letter-spacing: 0.1pt;">e</span>rupak<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span>ra s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g <span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.15pt;"> </span>menj<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>ni<span style="letter-spacing: 0.15pt;"> </span>hidup<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rm<span style="letter-spacing: -0.05pt;">a</span>suk<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: 0.1pt;">d</span>i<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.2pt;"> </span>k<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.1pt;">g</span>iat<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.15pt;"> </span>m<span style="letter-spacing: 0.15pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.3pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n opini<span style="letter-spacing: 0.1pt;">
</span>me<span style="letter-spacing: -0.05pt;">re</span>k<span style="letter-spacing: -0.05pt;">a</span>.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn6" name="_ftnref6" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[6]</span></span><!--[endif]--></span></a><span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>Olson<span style="letter-spacing: 0.05pt;"> </span>menj<span style="letter-spacing: -0.05pt;">e</span>lask<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">h</span>wa k<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.1pt;">g</span>iat<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.05pt;"> </span>m<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t ind<span style="letter-spacing: 0.05pt;">i</span>vidu
<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah
<span style="letter-spacing: 0.2pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.35pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri <span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span><span style="letter-spacing: 0.05pt;">r</span>a <span style="letter-spacing: 0.2pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">o</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>m <span style="letter-spacing: 0.25pt;"> </span>menj<span style="letter-spacing: -0.05pt;">a</span>la<span style="letter-spacing: 0.2pt;">n</span>i <span style="letter-spacing: 0.25pt;"> </span>hidup. <span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">e</span>hingga</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;"> </span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">b<span style="letter-spacing: -0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>na<span style="letter-spacing: 1.85pt;"> </span>g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 1.75pt;"> </span>hidup<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: 0.15pt;">i</span>ndiv<span style="letter-spacing: 0.05pt;">i</span>du<span style="letter-spacing: 1.8pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 1.8pt;"> </span>di<span style="letter-spacing: 0.05pt;">l</span>ihat<span style="letter-spacing: 1.8pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 1.95pt;"> </span>k<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.1pt;">g</span>iat<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 1.8pt;"> </span>m<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 1.8pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t
ind<span style="letter-spacing: 0.05pt;">i</span>vidu <span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rs<span style="letter-spacing: -0.05pt;">e</span>but.</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.7pt;"> </span><span style="letter-spacing: 0.05pt;">d</span><span style="letter-spacing: -0.05pt;">e</span>finisi
<span style="letter-spacing: 0.75pt;"> </span><i>l<span style="letter-spacing: 0.05pt;">i</span>fest<span style="letter-spacing: -0.05pt;">y</span>le <span style="letter-spacing: 0.7pt;"> </span></i><span style="letter-spacing: -0.05pt;">a</span>tau
<span style="letter-spacing: 0.7pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a <span style="letter-spacing: 0.65pt;"> </span>hidup <span style="letter-spacing: 0.75pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lam <span style="letter-spacing: 0.8pt;"> </span><i>APA
<span style="letter-spacing: 0.65pt;"> </span>Di<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span>onary
<span style="letter-spacing: 0.65pt;"> </span><span style="letter-spacing: -0.1pt;">o</span>f</i></span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">Ps<span style="letter-spacing: -0.05pt;">yc</span>hology S<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.05pt;">c</span>ond
Edition<span style="letter-spacing: 0.1pt;"> </span></span></i><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">d<span style="letter-spacing: -0.05pt;">a</span>lah</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">the<span style="letter-spacing: 2.95pt;"> </span>typi<span style="letter-spacing: -0.05pt;">c</span>al way <span style="letter-spacing: 0.05pt;"> </span>of
l<span style="letter-spacing: 0.05pt;">i</span>fe <span style="letter-spacing: 0.1pt;"> </span>or mann<span style="letter-spacing: -0.05pt;">e</span>r of <span style="letter-spacing: 0.2pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>ing <span style="letter-spacing: 0.15pt;"> </span>that
is <span style="letter-spacing: -0.05pt;">c</span>hara<span style="letter-spacing: -0.05pt;">c</span>teris<span style="letter-spacing: 0.05pt;">t</span>ic<span style="letter-spacing: 2.95pt;"> </span>of
<span style="letter-spacing: 0.15pt;"> </span>an
ind<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>idual<span style="letter-spacing: 2.8pt;"> </span>or<span style="letter-spacing: 2.75pt;"> </span>group,<span style="letter-spacing: 2.75pt;"> </span>as<span style="letter-spacing: 2.75pt;"> </span><span style="letter-spacing: -0.05pt;">ex</span>pr<span style="letter-spacing: -0.05pt;">e</span>ssed<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: 0.1pt;">b</span>y<span style="letter-spacing: 2.7pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>h<span style="letter-spacing: 0.1pt;">a</span><span style="letter-spacing: -0.05pt;">v</span>ior<span style="letter-spacing: 0.05pt;">s</span>,<span style="letter-spacing: 2.75pt;"> </span>at<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.05pt;">t</span>ud<span style="letter-spacing: -0.05pt;">e</span>s,<span style="letter-spacing: 2.75pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.05pt;">e</span>st<span style="letter-spacing: 0.05pt;">s</span>,<span style="letter-spacing: 2.75pt;"> </span>and other<span style="letter-spacing: 0.05pt;"> </span>factor.<span style="letter-spacing: 0.1pt;"> </span>In<span style="letter-spacing: 0.05pt;"> </span>t<span style="letter-spacing: 0.15pt;">h</span>e
ind<span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>idual<span style="letter-spacing: 0.1pt;"> </span>ps<span style="letter-spacing: -0.05pt;">yc</span>hology<span style="letter-spacing: 0.15pt;"> </span>of<span style="letter-spacing: 0.1pt;"> </span>Alf<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: 0.05pt;"> </span>adler,<span style="letter-spacing: 0.05pt;"> </span>an<span style="letter-spacing: 0.2pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>idua<span style="letter-spacing: 0.05pt;">l</span>’s
<span style="letter-spacing: -0.05pt;">c</span>hara<span style="letter-spacing: -0.05pt;">c</span>teris<span style="letter-spacing: 0.05pt;">t</span>ic<span style="letter-spacing: 0.1pt;"> </span>way<span style="letter-spacing: 0.1pt;"> </span>of<span style="letter-spacing: 0.15pt;"> </span>o<span style="letter-spacing: -0.05pt;">ve</span>r<span style="letter-spacing: -0.05pt;">c</span>oming<span style="letter-spacing: 0.15pt;"> </span>or<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>om<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>nsating<span style="letter-spacing: 0.3pt;"> </span>for<span style="letter-spacing: 0.15pt;"> </span>fe<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>ngs
of inadequa<span style="letter-spacing: -0.05pt;">cy</span>.<span style="letter-spacing: 2.5pt;"> </span>A<span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">c</span>ording<span style="letter-spacing: 2.5pt;">
</span>to<span style="letter-spacing: 2.55pt;"> </span>Adl<span style="letter-spacing: -0.05pt;">e</span>r,<span style="letter-spacing: 2.5pt;"> </span>a<span style="letter-spacing: 2.5pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>fest<span style="letter-spacing: -0.05pt;">y</span>le<span style="letter-spacing: 2.5pt;"> </span>is<span style="letter-spacing: 2.7pt;"> </span>f<span style="letter-spacing: -0.1pt;">r</span>st<span style="letter-spacing: 2.55pt;"> </span>adopted<span style="letter-spacing: 2.5pt;">
</span>in<span style="letter-spacing: 2.55pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>hi<span style="letter-spacing: 0.05pt;">l</span>dhoo<span style="letter-spacing: -0.1pt;">d</span>, wh<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: 1.65pt;"> </span>the<span style="letter-spacing: 1.65pt;"> </span><span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>y<span style="letter-spacing: 1.75pt;"> </span>factors<span style="letter-spacing: 1.7pt;">
</span>in<span style="letter-spacing: 0.05pt;">f</span>orming<span style="letter-spacing: 1.8pt;"> </span>it<span style="letter-spacing: 1.7pt;"> </span>wi<span style="letter-spacing: 0.05pt;">l</span>l<span style="letter-spacing: 1.7pt;"> </span>be<span style="letter-spacing: 1.6pt;"> </span>g<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.15pt;">i</span>c<span style="letter-spacing: 1.6pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>ndowm<span style="letter-spacing: 0.05pt;">e</span>nt,<span style="letter-spacing: 1.7pt;"> </span>upbringing,
and in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rp<span style="letter-spacing: -0.05pt;">e</span>rsonal<span style="letter-spacing: 0.05pt;"> </span>r<span style="letter-spacing: -0.05pt;">e</span>la<span style="letter-spacing: 0.05pt;">t</span>ions <span style="letter-spacing: 0.05pt;">w</span>i<span style="letter-spacing: 0.05pt;">t</span>hin <span style="letter-spacing: 0.05pt;">t</span>he<span style="letter-spacing: -0.05pt;"> </span>fami<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: 0.1pt;">y</span>.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn7" name="_ftnref7" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[7]</span></b></span><!--[endif]--></span></a>
</span></i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">A<span style="letter-spacing: -0.05pt;">r</span>ti<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>jem<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">s</span>,<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.15pt;"> </span>hidup<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.1pt;">a</span>h<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span>ra hidup<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tau<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tu<span style="letter-spacing: 0.1pt;">r</span><span style="letter-spacing: 0.05pt;">a</span>n
d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.15pt;"> </span>hidup<span style="letter-spacing: 0.4pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g m<span style="letter-spacing: 0.1pt;">e</span>rup<span style="letter-spacing: -0.1pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>k<span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rist<span style="letter-spacing: 0.05pt;">i</span>k<span style="letter-spacing: 0.15pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tau<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>lo<span style="letter-spacing: 0.05pt;">m</span>po<span style="letter-spacing: 0.1pt;">k</span>,<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g dieksp<span style="letter-spacing: -0.05pt;">re</span>sikan<span style="letter-spacing: 0.05pt;"> </span>mel<span style="letter-spacing: -0.05pt;">a</span>lui<span style="letter-spacing: 0.1pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.15pt;"> </span>sikap,<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.1pt;">e</span>rt<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>f<span style="letter-spacing: -0.1pt;">a</span>kt<span style="letter-spacing: 0.15pt;">o</span>r
lain<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.35pt;"> </span>M<span style="letter-spacing: -0.05pt;">e</span>nurut
<span style="letter-spacing: 0.05pt;">P</span>siko<span style="letter-spacing: 0.05pt;">l</span>o<span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.15pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidual<span style="letter-spacing: 0.15pt;"> </span>oleh Alf<span style="letter-spacing: -0.05pt;">re</span>d<span style="letter-spacing: 0.15pt;"> </span>Adl<span style="letter-spacing: -0.05pt;">e</span>r,<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>kte<span style="letter-spacing: -0.05pt;">r</span>i<span style="letter-spacing: 0.15pt;">s</span>t<span style="letter-spacing: 0.05pt;">i</span>k<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span>ra<span style="letter-spacing: 0.05pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>v<span style="letter-spacing: 0.05pt;">i</span>du<span style="letter-spacing: 0.15pt;"> </span>men<span style="letter-spacing: -0.15pt;">g</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tau mengg<span style="letter-spacing: -0.05pt;">a</span>nti<span style="letter-spacing: 0.1pt;"> </span>r<span style="letter-spacing: 0.05pt;">u</span><span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.05pt;">i</span>d<span style="letter-spacing: -0.05pt;">a</span>kmampu<span style="letter-spacing: -0.05pt;">a</span>n.<span style="letter-spacing: 0.2pt;"> </span>M<span style="letter-spacing: 0.05pt;">e</span>nurut<span style="letter-spacing: 0.05pt;"> </span>Adl<span style="letter-spacing: -0.05pt;">e</span>r, <span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>bu<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.2pt;"> </span>g<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.25pt;"> </span>hidup
p<span style="letter-spacing: -0.05pt;">e</span>rt<span style="letter-spacing: -0.05pt;">a</span>ma <span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>li<span style="letter-spacing: 0.05pt;"> </span>di<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>p<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>da ma<span style="letter-spacing: 0.1pt;">s</span>a
k<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">-</span>k<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span>k,<span style="letter-spacing: 0.15pt;"> </span>f<span style="letter-spacing: -0.1pt;">a</span>ktor
ku<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">c</span>i<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.15pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">a</span>l
d<span style="letter-spacing: -0.05pt;">a</span>ri k<span style="letter-spacing: -0.05pt;">e</span>turun<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.05pt;">i</span>k,<span style="letter-spacing: 0.15pt;"> </span>pola
<span style="letter-spacing: -0.05pt;">a</span>suh,<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>hubu<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rp<span style="letter-spacing: -0.1pt;">e</span>rson<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>lua<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>.
<span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">e</span>rti<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g tel<span style="letter-spacing: -0.05pt;">a</span>h
<span style="letter-spacing: 0.15pt;"> </span>disamp<span style="letter-spacing: -0.05pt;">a</span>ikan <span style="letter-spacing: 0.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>s<span style="letter-spacing: -0.05pt;">e</span>but <span style="letter-spacing: 0.3pt;"> </span>men<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.15pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;">w</span>a <span style="letter-spacing: 0.1pt;"> </span>g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.1pt;">y</span>a <span style="letter-spacing: 0.1pt;"> </span>hidup <span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>kte<span style="letter-spacing: -0.05pt;">r</span>is<span style="letter-spacing: 0.05pt;">t</span>ik<span style="letter-spacing: 0.15pt;"> </span>kh<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g dieksp<span style="letter-spacing: -0.05pt;">re</span>sikan<span style="letter-spacing: 0.15pt;"> </span>me<span style="letter-spacing: 0.1pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>lui<span style="letter-spacing: 0.15pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.15pt;"> </span>sikap,<span style="letter-spacing: 0.15pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>te<span style="letter-spacing: -0.05pt;">r</span>ta<span style="letter-spacing: -0.05pt;">r</span>ikan
d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;">
</span>f<span style="letter-spacing: -0.1pt;">a</span>ktor<span style="letter-spacing: 0.05pt;"> </span>lain<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">G</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.2pt;"> </span>sud<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span>a
s<span style="letter-spacing: 0.05pt;">e</span>jak masa k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">-</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: 0.15pt;"> </span>di<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>na
dipeng<span style="letter-spacing: -0.05pt;">a</span>ruhi oleh <span style="letter-spacing: -0.05pt;">b</span><span style="letter-spacing: 0.05pt;">e</span>rba<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">a</span>i
f<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">k</span>tor.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">S</span>olo<span style="letter-spacing: 0.05pt;">m</span>on<span style="letter-spacing: 0.25pt;"> </span>memi<span style="letter-spacing: 0.05pt;">l</span>iki<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.4pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g b<span style="letter-spacing: 0.05pt;">e</span>rb<span style="letter-spacing: -0.1pt;">e</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: 0.05pt;">a</span>, menu<span style="letter-spacing: -0.05pt;">r</span>ut<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>“<i>l<span style="color: #221f1f;">i<span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">e</span>style d<span style="letter-spacing: 0.05pt;">e</span>f<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span>pat<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rn<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>onsumption<span style="letter-spacing: 0.05pt;"> </span>that<span style="letter-spacing: 0.05pt;"> </span>r<span style="letter-spacing: -0.05pt;">e</span>f<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">ec</span>ts<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>rson’s <span style="letter-spacing: -0.05pt;">c</span>hoic<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 0.1pt;"> </span>how<span style="letter-spacing: 0.1pt;"> </span>to<span style="letter-spacing: 0.1pt;"> </span>sp<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>d<span style="letter-spacing: 0.05pt;"> </span>his<span style="letter-spacing: 0.1pt;"> </span>or<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.05pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>me and<span style="letter-spacing: 0.2pt;"> </span>mon<span style="letter-spacing: -0.05pt;">ey</span><span style="letter-spacing: 0.2pt;">.</span>”<span style="letter-spacing: 0.1pt;"> </span></span></i><span style="color: #221f1f;">A<span style="letter-spacing: -0.05pt;">r</span>ti<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>m<span style="letter-spacing: 0.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.15pt;">j</span><span style="letter-spacing: -0.05pt;">e</span>mah<span style="letter-spacing: -0.05pt;">a</span>n
b<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 1.15pt;"> </span>h<span style="letter-spacing: 0.15pt;">i</span>dup<span style="letter-spacing: 1.05pt;"> </span>me<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>m<span style="letter-spacing: 0.15pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 1.05pt;"> </span>po<span style="letter-spacing: 0.15pt;">l</span>a<span style="letter-spacing: 1pt;"> </span>konsumsi<span style="letter-spacing: 1.35pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.95pt;"> </span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>refl<span style="letter-spacing: -0.05pt;">e</span>ksikan</span></span><span lang="EN-US" style="color: #221f1f; font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="color: #221f1f; font-size: 12pt; line-height: 200%;">pi<span style="letter-spacing: 0.05pt;">l</span>ihan<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span><span style="letter-spacing: 0.05pt;">r</span>a<span style="letter-spacing: 0.1pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>biskan<span style="letter-spacing: 0.25pt;">
</span>w<span style="letter-spacing: -0.05pt;">a</span>ktu<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>u<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
di<span style="letter-spacing: 0.05pt;">m</span>i<span style="letter-spacing: 0.05pt;">l</span>ik<span style="letter-spacing: 0.05pt;">i</span>.<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: 0.05pt;">S</span>olo<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.1pt;">o</span>n m<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">h</span>wa<span style="letter-spacing: 0.15pt;"> </span>g<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.25pt;"> </span>hidup<span style="letter-spacing: 0.05pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>di<span style="letter-spacing: 0.05pt;">l</span>ihat<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: 0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>a
pola konsumsi<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.05pt;"> </span>di<span style="letter-spacing: 0.05pt;">m</span>i<span style="letter-spacing: 0.05pt;">l</span>iki
k<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">e</span>na po<span style="letter-spacing: 0.15pt;">l</span>a
konsumsi<span style="letter-spacing: 0.1pt;"> </span>dia<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>refl<span style="letter-spacing: -0.05pt;">e</span>ksik<span style="letter-spacing: 0.1pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">c</span><span style="letter-spacing: 0.05pt;">a</span>ra ind<span style="letter-spacing: 0.05pt;">i</span>vidu
<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span>h<span style="letter-spacing: -0.05pt;">a</span>biskan<span style="letter-spacing: 0.1pt;"> </span>w<span style="letter-spacing: -0.05pt;">a</span>ktu
dan u<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span>di<span style="letter-spacing: 0.05pt;">l</span>i<span style="letter-spacing: 0.05pt;">m</span>ik<span style="letter-spacing: 0.05pt;">i</span>.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn8" name="_ftnref8" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="color: #221f1f; font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[8]</span></span><!--[endif]--></span></a></span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">r<span style="letter-spacing: 0.05pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.05pt;"> </span>ur<span style="letter-spacing: -0.1pt;">a</span>ian <span style="letter-spacing: 0.05pt;"> </span>di <span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tas
<span style="letter-spacing: 0.05pt;"> </span>maka d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t <span style="letter-spacing: 0.1pt;"> </span>dis<span style="letter-spacing: 0.05pt;">i</span>mpu<span style="letter-spacing: 0.05pt;">l</span>k<span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>hwa <span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a hid<span style="letter-spacing: 0.15pt;">u</span>p
<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.1pt;"> </span>pola<span style="letter-spacing: 0.15pt;"> </span>k<span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.3pt;"> </span>sikap,<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span><span style="letter-spacing: 0.05pt;">r</span>a<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>pola<span style="letter-spacing: 0.1pt;"> </span>t<span style="letter-spacing: 0.15pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g di<span style="letter-spacing: 0.05pt;">m</span>i<span style="letter-spacing: 0.05pt;">l</span>iki<span style="letter-spacing: 0.15pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu men<span style="letter-spacing: -0.05pt;">ca</span>kup<span style="letter-spacing: 0.15pt;"> </span>tu<span style="letter-spacing: 0.05pt;">j</span>u<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.25pt;"> </span>kons<span style="letter-spacing: 0.05pt;">e</span>p<span style="letter-spacing: 0.15pt;"> </span>diri,<span style="letter-spacing: 0.15pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">aa</span>n<span style="letter-spacing: 0.25pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>h<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: 0.05pt;">a</span>p<span style="letter-spacing: 0.15pt;"> </span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g <span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>in<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>sikap<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rh<span style="letter-spacing: -0.1pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p dunia<span style="letter-spacing: 0.2pt;">
</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g diu<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>kt<span style="letter-spacing: 0.05pt;">i</span>vi<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s,<span style="letter-spacing: 0.1pt;"> </span>m<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> p</span><span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.3pt;">t</span>.<span style="letter-spacing: 0.2pt;"> </span>G<span style="letter-spacing: 0.15pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.15pt;"> </span>hidup me<span style="letter-spacing: -0.05pt;">r</span>up<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">a</span>sil<span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>k<span style="letter-spacing: 0.1pt;">s</span>i<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.05pt;"> </span>f<span style="letter-spacing: -0.1pt;">a</span>ktor<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>turun<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.15pt;"> </span>pola <span style="letter-spacing: -0.05pt;">a</span>suh,<span style="letter-spacing: 0.05pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>ku<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a
kr<span style="letter-spacing: -0.1pt;">e</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;">i</span>f<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span>di<span style="letter-spacing: 0.05pt;">m</span>i<span style="letter-spacing: 0.05pt;">l</span>iki<span style="letter-spacing: 0.05pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .7pt; margin: 0.7pt 3.85pt 0cm 0cm; text-align: center; text-indent: 18pt;"><b><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">b</span></b><b><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">.<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: -0.15pt;">P</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">n</span>g<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.05pt;">r</span>tian Hedo<span style="letter-spacing: 0.05pt;">n</span>i<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.15pt;">me</span></span></b><span lang="EN-US" style="font-size: 12pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">D<span style="letter-spacing: -0.05pt;">a</span>lam <i><span style="letter-spacing: 0.05pt;">T</span>he<span style="letter-spacing: -0.05pt;"> e</span>n<span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">yc</span>lopedia<span style="letter-spacing: 0.1pt;">
</span>of posi<span style="letter-spacing: 0.05pt;">t</span>ive<span style="letter-spacing: -0.05pt;"> </span>ps<span style="letter-spacing: -0.05pt;">yc</span>hology<span style="letter-spacing: 0.1pt;"> </span></i>d<span style="letter-spacing: 0.15pt;">i</span>s<span style="letter-spacing: -0.05pt;">e</span>butkan b<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;">w</span>a<span style="letter-spacing: -0.05pt;"> </span>:</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><i><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">T</span></i><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">he<span style="letter-spacing: 1.05pt;"> </span>r<span style="letter-spacing: -0.05pt;">e</span>la<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: 1.1pt;"> </span>term<span style="letter-spacing: 1.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>don<span style="letter-spacing: 0.15pt;">i</span>sm<span style="letter-spacing: 1.1pt;"> </span>is<span style="letter-spacing: 1.15pt;"> </span>the do<span style="letter-spacing: -0.05pt;">c</span>tr<span style="letter-spacing: 0.05pt;">i</span>ne<span style="letter-spacing: 1.05pt;"> </span>that<span style="letter-spacing: 1.15pt;"> </span>pleasure<span style="letter-spacing: 1.05pt;">
</span>is<span style="letter-spacing: 1.15pt;"> </span>the<span style="letter-spacing: 1.1pt;"> </span>sole<span style="letter-spacing: 1.1pt;"> </span>good. Philosophi<span style="letter-spacing: -0.05pt;">c</span>al<span style="letter-spacing: 0.1pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donism<span style="letter-spacing: 0.05pt;">
</span><span style="letter-spacing: -0.05pt;">c</span>la<span style="letter-spacing: 0.05pt;">i</span>ms<span style="letter-spacing: 0.05pt;"> </span>that<span style="letter-spacing: 0.1pt;"> </span>pleasure is<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">t</span>he moral<span style="letter-spacing: 0.1pt;"> </span>good,<span style="letter-spacing: 0.05pt;"> </span>sugg<span style="letter-spacing: -0.05pt;">e</span>st<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.1pt;">n</span>g that<span style="letter-spacing: 1.1pt;"> </span>the<span style="letter-spacing: 1.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span>f<span style="letter-spacing: 0.05pt;">i</span>ni<span style="letter-spacing: 0.05pt;">t</span>ive<span style="letter-spacing: 1pt;"> </span>s<span style="letter-spacing: 0.1pt;">o</span><span style="letter-spacing: -0.05pt;">c</span>ial<span style="letter-spacing: 1.1pt;"> </span>norm<span style="letter-spacing: 1.05pt;"> </span>is<span style="letter-spacing: 1.1pt;"> </span>to<span style="letter-spacing: 1.2pt;"> </span>pro<span style="letter-spacing: -0.05pt;">v</span>ide<span style="letter-spacing: 1.15pt;"> </span>the<span style="letter-spacing: 1.15pt;"> </span>gr<span style="letter-spacing: -0.05pt;">e</span>atest<span style="letter-spacing: 1.1pt;"> </span>amount<span style="letter-spacing: 1.05pt;"> </span>of<span style="letter-spacing: 1.1pt;"> </span>p<span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">e</span>a<span style="letter-spacing: 0.1pt;">s</span>ure for <span style="letter-spacing: 0.15pt;"> </span>the <span style="letter-spacing: 0.1pt;"> </span>gr<span style="letter-spacing: -0.05pt;">e</span>atest
<span style="letter-spacing: 0.15pt;"> </span>numb<span style="letter-spacing: -0.2pt;">e</span>r <span style="letter-spacing: 0.15pt;"> </span>of <span style="letter-spacing: 0.15pt;"> </span>p<span style="letter-spacing: 0.05pt;">e</span>ople.
<span style="letter-spacing: 0.1pt;"> </span>Ps<span style="letter-spacing: -0.05pt;">yc</span>holog<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">c</span>al <span style="letter-spacing: 0.15pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donism
<span style="letter-spacing: 0.1pt;"> </span>holds t<span style="letter-spacing: -0.1pt;">h</span>at
<span style="letter-spacing: -0.05pt;">eve</span>r<span style="letter-spacing: -0.05pt;">y</span>o<span style="letter-spacing: 0.1pt;">n</span>e aims<span style="letter-spacing: 0.05pt;"> </span>only<span style="letter-spacing: 0.05pt;"> </span>at<span style="letter-spacing: 0.1pt;"> p</span>leasure as<span style="letter-spacing: 0.05pt;"> </span>the<span style="letter-spacing: 0.05pt;"> </span>ul<span style="letter-spacing: 0.05pt;">t</span>imate<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>nd,<span style="letter-spacing: 0.05pt;"> </span>and<span style="letter-spacing: 0.05pt;"> </span>that<span style="letter-spacing: 0.1pt;"> </span>at<span style="letter-spacing: 0.1pt;"> </span>any giv<span style="letter-spacing: -0.05pt;">e</span>n
mo<span style="letter-spacing: -0.05pt;">me</span>nt<span style="letter-spacing: 0.1pt;"> </span>the<span style="letter-spacing: 0.1pt;">r</span>e is<span style="letter-spacing: 0.1pt;"> </span>an<span style="letter-spacing: 0.15pt;"> </span>ord<span style="letter-spacing: -0.05pt;">e</span>ring<span style="letter-spacing: 0.1pt;"> </span>of<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.05pt;">ve</span>nts<span style="letter-spacing: 0.1pt;"> </span>along<span style="letter-spacing: 0.1pt;"> </span>a<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>ont<span style="letter-spacing: 0.05pt;">i</span>nuum<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 0.1pt;"> h</span><span style="letter-spacing: -0.05pt;">e</span>donic<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.15pt;">t</span>one ranging<span style="letter-spacing: 0.7pt;"> </span>from<span style="letter-spacing: 0.7pt;"> </span><span style="letter-spacing: -0.05pt;">ve</span>ry<span style="letter-spacing: 0.65pt;"> </span>a<span style="letter-spacing: -0.05pt;">ve</span>rs<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>e<span style="letter-spacing: 0.65pt;"> </span>through<span style="letter-spacing: 0.7pt;"> </span>n<span style="letter-spacing: -0.05pt;">e</span>utra<span style="letter-spacing: 0.05pt;">l</span>,<span style="letter-spacing: 0.7pt;"> </span>to<span style="letter-spacing: 0.6pt;"> </span><span style="letter-spacing: -0.05pt;">ve</span>ry<span style="letter-spacing: 0.65pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span>si<span style="letter-spacing: 0.05pt;">r</span>able.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn9" name="_ftnref9" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[9]</span></b></span><!--[endif]--></span></a><span style="letter-spacing: 0.9pt;"> </span></span></i><span lang="EN-US" style="font-size: 13pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">A<span style="letter-spacing: -0.05pt;">r</span>ti d<span style="letter-spacing: -0.05pt;">a</span>lam t<span style="letter-spacing: 0.1pt;">e</span>rj<span style="letter-spacing: -0.05pt;">e</span>mah<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> b</span><span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>s,<span style="letter-spacing: 0.1pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donisme<span style="letter-spacing: 0.05pt;">
</span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;"> </span>doktrin
b<span style="letter-spacing: -0.05pt;">a</span>hwa k<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah
s<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;">u</span><span style="letter-spacing: -0.05pt;">-</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">a</span>tu<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: 0.05pt;">a</span>ikan.<span style="letter-spacing: 0.1pt;"> </span>H<span style="letter-spacing: -0.05pt;">e</span>donisme<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: 0.05pt;">a</span>ri
sudut<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>nd<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g filosofis<span style="letter-spacing: 0.05pt;"> </span>m<span style="letter-spacing: 0.1pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span>klaim b<span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.25pt;"> </span>mor<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.4pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
<span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">k</span>,<span style="letter-spacing: 0.15pt;"> </span>m<span style="letter-spacing: 0.1pt;">e</span>nunjukkan<span style="letter-spacing: 0.1pt;">
</span>b<span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.05pt;"> </span>n<span style="letter-spacing: 0.1pt;">o</span>rma<span style="letter-spacing: 0.1pt;"> </span>sos<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>l d<span style="letter-spacing: -0.05pt;">e</span>finit<span style="letter-spacing: 0.05pt;">i</span>f <span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah untuk<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>mbe<span style="letter-spacing: -0.05pt;">r</span>ikan
k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rb<span style="letter-spacing: -0.1pt;">e</span>s<span style="letter-spacing: 0.05pt;">a</span>r b<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.25pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>. <span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.15pt;">h</span><span style="letter-spacing: -0.05pt;">e</span>donisme<span style="letter-spacing: 0.1pt;"> d</span><span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.05pt;"> </span>sudut<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
psik<span style="letter-spacing: 0.15pt;">o</span>lo<span style="letter-spacing: -0.1pt;">g</span>is<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: 0.05pt;">e</span>rp<span style="letter-spacing: -0.1pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;">w</span>a
s<span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>p or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g h<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.15pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>rtuju<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>untuk<span style="letter-spacing: 0.15pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.35pt;"> </span>tu<span style="letter-spacing: 0.05pt;">j</span>u<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>khir.<span style="letter-spacing: 0.25pt;"> </span>B<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span>d<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span>rk<span style="letter-spacing: -0.05pt;">a</span>n
p<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">e</span>rti<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 2.75pt;"> </span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rs<span style="letter-spacing: -0.05pt;">e</span>but<span style="letter-spacing: 2.75pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 2.75pt;"> </span>di<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>rik<span style="letter-spacing: 2.75pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>si<span style="letter-spacing: 0.05pt;">m</span>pulan<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">e</span>donisme<span style="letter-spacing: 2.95pt;">
</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 2.85pt;"> </span>doktrin</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">tau<span style="letter-spacing: 1.75pt;"> </span><span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>m<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 1.8pt;"> </span>tu<span style="letter-spacing: 0.05pt;">j</span>u<span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 1.8pt;"> </span>hidup<span style="letter-spacing: 1.8pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 2.1pt;"> </span>untuk<span style="letter-spacing: 1.8pt;"> </span>memp<span style="letter-spacing: -0.05pt;">e</span>ro<span style="letter-spacing: 0.1pt;">l</span><span style="letter-spacing: -0.05pt;">e</span>h<span style="letter-spacing: 1.8pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n prib<span style="letter-spacing: -0.05pt;">a</span>di
seb<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>i <span style="letter-spacing: 0.05pt;">t</span>ujuan<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span>hir.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">D<span style="letter-spacing: -0.05pt;">e</span>finisi<span style="letter-spacing: 2.05pt;">
</span>h<span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.1pt;">s</span>me<span style="letter-spacing: 2pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 2.05pt;"> </span><i>APA<span style="letter-spacing: 2pt;"> </span>Di<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span>onary<span style="letter-spacing: 2pt;"> </span>of<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -0.15pt;">P</span>s<span style="letter-spacing: -0.05pt;">yc</span>hology<span style="letter-spacing: 2pt;"> </span>S<span style="letter-spacing: -0.05pt;">ec</span>ond<span style="letter-spacing: 2.05pt;"> </span>Edit<span style="letter-spacing: 0.05pt;">i</span>on</i></span><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></i><span lang="EN-US" style="font-size: 13pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">d<span style="letter-spacing: -0.05pt;">a</span>lah</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">in<span style="letter-spacing: 0.05pt;"> </span>phi<span style="letter-spacing: 0.05pt;">l</span>osoph<span style="letter-spacing: -0.05pt;">y</span>,<span style="letter-spacing: 0.05pt;"> </span>the do<span style="letter-spacing: -0.05pt;">c</span>tr<span style="letter-spacing: 0.15pt;">i</span>ne that<span style="letter-spacing: 0.05pt;">
</span>pleasure<span style="letter-spacing: 0.25pt;"> </span>is<span style="letter-spacing: 0.05pt;"> </span>an<span style="letter-spacing: 0.05pt;"> </span>i<span style="letter-spacing: 0.15pt;">n</span>tr<span style="letter-spacing: 0.05pt;">i</span>nsic
good<span style="letter-spacing: 0.05pt;"> </span>and<span style="letter-spacing: 0.05pt;"> </span>the pr<span style="letter-spacing: 0.1pt;">o</span>p<span style="letter-spacing: -0.05pt;">e</span>r goal<span style="letter-spacing: 0.1pt;"> </span>of<span style="letter-spacing: 0.1pt;"> </span>all<span style="letter-spacing: 0.1pt;"> </span>human<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span>on.<span style="letter-spacing: 0.05pt;"> </span>One
of<span style="letter-spacing: 0.1pt;"> </span>the<span style="letter-spacing: 0.05pt;"> </span>fundam<span style="letter-spacing: -0.05pt;">e</span>ntal<span style="letter-spacing: 0.2pt;"> </span>qu<span style="letter-spacing: -0.05pt;">e</span>st<span style="letter-spacing: 0.05pt;">i</span>ons<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>th<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">c</span>s<span style="letter-spacing: 0.05pt;"> </span>has<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">ee</span>n wh<span style="letter-spacing: -0.05pt;">e</span>ther<span style="letter-spacing: 0.1pt;"> </span>pleasure<span style="letter-spacing: 0.05pt;">
</span><span style="letter-spacing: -0.05pt;">c</span>an<span style="letter-spacing: 0.1pt;"> </span>or<span style="letter-spacing: 0.15pt;"> </span>should<span style="letter-spacing: 0.1pt;"> </span>be<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>quated<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">w</span>i<span style="letter-spacing: -0.05pt;">t</span>h<span style="letter-spacing: 0.1pt;"> </span>the<span style="letter-spacing: 0.1pt;"> </span>good<span style="letter-spacing: 0.3pt;"> </span>in th<span style="letter-spacing: 0.05pt;">i</span>s
wa<span style="letter-spacing: -0.05pt;">y</span>.<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">I</span>n </span></i><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></i><i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">s<span style="letter-spacing: -0.05pt;">yc</span>hology,<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.1pt;">n</span>y
theory<span style="letter-spacing: 0.1pt;"> </span>that<span style="letter-spacing: 0.1pt;"> </span>sugg<span style="letter-spacing: -0.05pt;">e</span>sts<span style="letter-spacing: 0.1pt;"> </span>that<span style="letter-spacing: 0.1pt;"> </span>pleasure
and<span style="letter-spacing: 0.05pt;"> </span>the<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">a</span><span style="letter-spacing: -0.05pt;">v</span>oidance<span style="letter-spacing: 0.1pt;">
</span>of<span style="letter-spacing: 0.1pt;"> p</span>ain are<span style="letter-spacing: -0.05pt;"> </span>the only<span style="letter-spacing: -0.05pt;">
</span>or the<span style="letter-spacing: -0.05pt;"> </span>major<span style="letter-spacing: 0.1pt;"> </span>motivating <span style="letter-spacing: 0.05pt;">f</span>or<span style="letter-spacing: -0.05pt;">ce</span>s in human b<span style="letter-spacing: -0.05pt;">e</span>ha<span style="letter-spacing: -0.05pt;">v</span>ior<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn10" name="_ftnref10" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[10]</span></b></span><!--[endif]--></span></a>.</span></i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">A<span style="letter-spacing: -0.05pt;">r</span>ti<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.05pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>je<span style="letter-spacing: 0.1pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: 0.05pt;">e</span>finisi<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.15pt;">h</span><span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.05pt;">s</span>me
di<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tas<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.1pt;"> b</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">h</span>wa b<span style="letter-spacing: -0.05pt;">e</span>rd<span style="letter-spacing: -0.1pt;">a</span>s<span style="letter-spacing: 0.05pt;">a</span>rk<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>sudut<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>nd<span style="letter-spacing: 0.05pt;">a</span>ng
filosofi,<span style="letter-spacing: 0.1pt;"> h</span><span style="letter-spacing: -0.05pt;">e</span>donis<span style="letter-spacing: 0.15pt;">m</span>e<span style="letter-spacing: 0.05pt;"> a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>j<span style="letter-spacing: 0.1pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span>ng<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah <span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>ikan<span style="letter-spacing: 0.2pt;"> </span>h<span style="letter-spacing: -0.05pt;">a</span>kiki<span style="letter-spacing: 0.2pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: -0.05pt;">r</span>u<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>tu<span style="letter-spacing: 0.05pt;">j</span>uan<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.05pt;"> </span>tep<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: 0.15pt;">u</span>a <span style="letter-spacing: 0.15pt;">t</span>indak<span style="letter-spacing: -0.05pt;">a</span>n manusi<span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.15pt;"> </span>B<span style="letter-spacing: -0.05pt;">e</span>rd<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">a</span>rk<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: 0.1pt;">u</span>dut<span style="letter-spacing: 0.15pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>nd<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
psikolo<span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: 0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>pa<span style="letter-spacing: 0.2pt;"> </span>teo<span style="letter-spacing: -0.05pt;">r</span>i<span style="letter-spacing: 0.15pt;"> </span>me<span style="letter-spacing: 0.2pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>hwa
k<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n
p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>hi<span style="letter-spacing: 0.15pt;">n</span>d<span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>n
t<span style="letter-spacing: 0.1pt;">e</span>rh<span style="letter-spacing: -0.1pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p <span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">e</span>rit<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n
me<span style="letter-spacing: -0.05pt;">r</span>up<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n s<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.25pt;">u</span><span style="letter-spacing: -0.05pt;">-</span>s<span style="letter-spacing: -0.05pt;">a</span>tu<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tau mo<span style="letter-spacing: 0.05pt;">t</span>ivasi
utama<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g mendo<span style="letter-spacing: -0.05pt;">r</span>o<span style="letter-spacing: 0.1pt;">n</span>g p<span style="letter-spacing: 0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku<span style="letter-spacing: 0.1pt;"> </span>manusi<span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.05pt;"> P</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">e</span>rti<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>di
<span style="letter-spacing: -0.05pt;">a</span>tas mengg<span style="letter-spacing: -0.05pt;">a</span>mba<span style="letter-spacing: -0.05pt;">r</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;">w</span>a<span style="letter-spacing: 0.1pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donisme
me<span style="letter-spacing: -0.05pt;">r</span>u<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>ja<span style="letter-spacing: -0.05pt;">ra</span>n<span style="letter-spacing: 0.15pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;">w</span>a k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n
p<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span>hin<span style="letter-spacing: 0.15pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.25pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">e</span>rit<span style="letter-spacing: -0.05pt;">aa</span>n<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.1pt;"> </span>mo<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.15pt;">v</span><span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.15pt;"> </span>utama<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
me<span style="letter-spacing: 0.1pt;">n</span>doro<span style="letter-spacing: -0.05pt;">n</span>g p<span style="letter-spacing: -0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku<span style="letter-spacing: 0.1pt;"> </span>manusi<span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">Pe</span>ril<span style="letter-spacing: 0.05pt;">a</span>ku<span style="letter-spacing: 0.1pt;"> </span>manusia<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g <span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>nut<span style="letter-spacing: 0.1pt;"> </span>f<span style="letter-spacing: -0.1pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>m<span style="letter-spacing: 0.1pt;"> h</span><span style="letter-spacing: -0.05pt;">e</span>donisme<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.15pt;">i</span>ni<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n n<span style="letter-spacing: -0.05pt;">a</span>mpak
m<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">e</span>j<span style="letter-spacing: 0.1pt;">a</span>r k<span style="letter-spacing: -0.1pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n me<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>hinda<span style="letter-spacing: -0.05pt;">r</span>i
<span style="letter-spacing: 0.15pt;">p</span><span style="letter-spacing: 0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">e</span>rit<span style="letter-spacing: -0.05pt;">aa</span>n.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%; mso-ansi-language: IN;">H</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">donisme<span style="letter-spacing: 0.15pt;"> </span>me<span style="letter-spacing: -0.05pt;">r</span>up<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>kt<span style="letter-spacing: 0.05pt;">i</span>vi<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s <span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span>un <span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
di<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>ku<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span>mi<span style="letter-spacing: 0.25pt;"> </span>men<span style="letter-spacing: -0.05pt;">ca</span>p<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.15pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>nik<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.05pt;">a</span>pun<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>,<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>pun
s<span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>,
d<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>pun<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>kibat<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>.<span style="letter-spacing: 0.15pt;"> </span></span><span style="font-size: 12pt; letter-spacing: 0.15pt; line-height: 200%; mso-ansi-language: IN;">H</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">donisme<span style="letter-spacing: 0.05pt;"> </span></span><span style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%; mso-ansi-language: IN;">merupakan </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.1pt; line-height: 200%;">g</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.2pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.25pt; line-height: 200%;">y</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">a<span style="letter-spacing: 0.15pt;"> </span>hidup<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.1pt;"> </span>menj<span style="letter-spacing: -0.05pt;">a</span>dikan<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>nik<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tau k<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.1pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;"> </span>tu<span style="letter-spacing: 0.05pt;">j</span>u<span style="letter-spacing: -0.05pt;">a</span>n.<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">B</span><span style="letter-spacing: -0.05pt;">e</span>rd<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">a</span>rk<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">e</span>rti<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donisme
menu<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.1pt;">u</span>t<span style="letter-spacing: 0.05pt;"> </span>Kunto d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t <span style="letter-spacing: 0.25pt;"> </span>di<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>rik
<span style="letter-spacing: 0.3pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>si<span style="letter-spacing: 0.05pt;">m</span>pulan
<span style="letter-spacing: 0.2pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;">w</span>a <span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">e</span>donisme <span style="letter-spacing: 0.3pt;"> </span>me<span style="letter-spacing: -0.05pt;">r</span>up<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a <span style="letter-spacing: 0.3pt;"> </span>hidup
<span style="letter-spacing: 0.8pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">diwujudkan d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>kt<span style="letter-spacing: 0.05pt;">i</span>vi<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.05pt;"> </span>untuk<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.15pt;">j</span><span style="letter-spacing: -0.05pt;">a</span>r <span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>ni<span style="letter-spacing: 0.15pt;">k</span>mat<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tau<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.1pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>i
tu<span style="letter-spacing: 0.05pt;">j</span>u<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.05pt;">a</span>pun<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span>r<span style="letter-spacing: -0.1pt;">a</span>,<span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: 0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>a<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>rta<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>kibat<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>.<span style="letter-spacing: 0.35pt;"> </span>E<span style="letter-spacing: -0.05pt;">fe</span>n<span style="letter-spacing: 0.25pt;">d</span>y men<span style="letter-spacing: -0.05pt;">a</span>mbahk<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>hwa
<span style="letter-spacing: 0.05pt;"> </span>g<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a
<span style="letter-spacing: 0.05pt;"> </span>hidup h<span style="letter-spacing: -0.05pt;">e</span>donisme
<span style="letter-spacing: 0.1pt;"> </span>memb<span style="letter-spacing: -0.05pt;">e</span>ntuk
sikap ment<span style="letter-spacing: -0.05pt;">a</span>l <span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
r<span style="letter-spacing: -0.1pt;">a</span>puh, <span style="letter-spacing: 0.1pt;"> </span>mudah <span style="letter-spacing: 0.05pt;"> </span>putus
<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span>,
<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">ce</span>nd<span style="letter-spacing: 0.05pt;">e</span>ru<span style="letter-spacing: 0.05pt;">n</span>g <span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.2pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>rsus<span style="letter-spacing: -0.05pt;">a</span>h
<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>h, <span style="letter-spacing: 0.1pt;"> s</span><span style="letter-spacing: -0.05pt;">e</span>la<span style="letter-spacing: 0.1pt;">l</span>u <span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: -0.1pt;">g</span>in
meng<span style="letter-spacing: -0.05pt;">a</span>mb<span style="letter-spacing: 0.05pt;">i</span>l<span style="letter-spacing: 0.1pt;"> </span>jal<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>pin<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s,<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>d<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: 0.05pt;"> </span>suka<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: 0.05pt;">e</span>rja k<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>s.<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: 0.1pt;">E</span>f<span style="letter-spacing: -0.1pt;">e</span>ndi<span style="letter-spacing: 0.1pt;"> </span>men<span style="letter-spacing: 0.1pt;">j</span><span style="letter-spacing: -0.05pt;">e</span>lask<span style="letter-spacing: -0.05pt;">a</span>n
meng<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span>i <span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>iri<span style="letter-spacing: 0.1pt;">-</span><span style="letter-spacing: -0.05pt;">c</span>iri
<span style="letter-spacing: 0.05pt;"> </span>g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a
<span style="letter-spacing: 0.1pt;"> </span>hidup
<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donisme
d<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.15pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n g<span style="letter-spacing: -0.05pt;">a</span>mba<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>n sif<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">-</span>sif<span style="letter-spacing: -0.05pt;">a</span>t <span style="letter-spacing: 0.15pt;"> </span>n<span style="letter-spacing: -0.05pt;">e</span>g<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;">i</span>f
d<span style="letter-spacing: -0.05pt;">a</span>lam diri indiv<span style="letter-spacing: 0.05pt;">i</span>du<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g meng<span style="letter-spacing: -0.05pt;">a</span>nut
g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: -0.05pt;"> </span>hidup h<span style="letter-spacing: 0.1pt;">e</span>donisme.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn11" name="_ftnref11" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[11]</span></span><!--[endif]--></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">r<span style="letter-spacing: 0.05pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>sa<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: 0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">p</span>a p<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">e</span>rti<span style="letter-spacing: -0.05pt;">a</span>n
di<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tas
maka<span style="letter-spacing: 0.05pt;"> d</span><span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>dis<span style="letter-spacing: 0.05pt;">i</span>mpu<span style="letter-spacing: 0.05pt;">l</span>k<span style="letter-spacing: -0.05pt;">a</span>n
b<span style="letter-spacing: -0.05pt;">a</span>hwa h<span style="letter-spacing: -0.05pt;">e</span>donis<span style="letter-spacing: 0.05pt;">m</span>e <span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah
s<span style="letter-spacing: -0.05pt;">e</span>bu<span style="letter-spacing: 0.05pt;">a</span>h<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>nd<span style="letter-spacing: -0.05pt;">a</span>ng<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: 0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span>ng<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: -0.05pt;">r</span>up<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>tu<span style="letter-spacing: 0.05pt;">j</span>u<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>utama
d<span style="letter-spacing: -0.05pt;">a</span>lam <span style="letter-spacing: 0.05pt;"> </span>hidup<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a <span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>rta <span style="letter-spacing: 0.2pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>lalu
<span style="letter-spacing: 0.05pt;"> </span>men<span style="letter-spacing: -0.15pt;">g</span>hin<span style="letter-spacing: 0.15pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>ri
k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">a</span>ra<span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: 0.1pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>kuk<span style="letter-spacing: -0.05pt;">a</span>n b<span style="letter-spacing: -0.05pt;">e</span>rba<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 2.15pt;"> </span><span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 2.2pt;"> </span><span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 2.25pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 2.1pt;"> </span>hidup<span style="letter-spacing: 2.15pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: 0.15pt;">m</span>e<span style="letter-spacing: 2.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 2.1pt;"> </span>su<span style="letter-spacing: -0.05pt;">a</span>tu<span style="letter-spacing: 2.15pt;"> </span>pola<span style="letter-spacing: 2.1pt;"> </span>hi<span style="letter-spacing: 0.15pt;">d</span>up<span style="letter-spacing: 2.25pt;"> </span>kh<span style="letter-spacing: -0.05pt;">a</span>s d<span style="letter-spacing: -0.05pt;">a</span>ri
<span style="letter-spacing: 0.05pt;"> </span>sikap,
<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span><span style="letter-spacing: 0.05pt;">r</span>a d<span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">p</span>ola
t<span style="letter-spacing: 0.05pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.15pt;"> </span>untuk
<span style="letter-spacing: 0.05pt;"> </span>men<span style="letter-spacing: -0.05pt;">ca</span>p<span style="letter-spacing: -0.05pt;">a</span>i
<span style="letter-spacing: 0.05pt;"> </span>tu<span style="letter-spacing: 0.05pt;">j</span>u<span style="letter-spacing: -0.05pt;">a</span>n,
<span style="letter-spacing: 0.05pt;"> </span>kons<span style="letter-spacing: -0.05pt;">e</span>p <span style="letter-spacing: 0.15pt;"> </span>diri <span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n
p<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>s<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.4pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
me<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.15pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>da<span style="letter-spacing: 0.1pt;"> k</span><span style="letter-spacing: -0.05pt;">e</span>i<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>inan<span style="letter-spacing: 0.1pt;"> </span>un<span style="letter-spacing: 0.15pt;">t</span>uk<span style="letter-spacing: 0.15pt;"> </span>meng<span style="letter-spacing: -0.05pt;">e</span>jar<span style="letter-spacing: 0.15pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n diun<span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n d<span style="letter-spacing: -0.05pt;">a</span>lam
<span style="letter-spacing: -0.05pt;">a</span>kt<span style="letter-spacing: 0.15pt;">i</span>vi<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s,
m<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t
d<span style="letter-spacing: -0.05pt;">a</span>n p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.05pt;">a</span>t<span style="letter-spacing: 0.2pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>n
me<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>h<span style="letter-spacing: -0.05pt;">a</span>lalk<span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>rba<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>i
<span style="letter-spacing: -0.05pt;">ca</span>r<span style="letter-spacing: -0.1pt;">a</span>.<span style="letter-spacing: 0.25pt;"> </span>G<span style="letter-spacing: 0.15pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.2pt;"> </span>hidup<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.15pt;">s</span>me<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.15pt;"> </span>mem<span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>ntuk<span style="letter-spacing: 0.15pt;"> </span>sikap<span style="letter-spacing: 0.15pt;"> </span>ment<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.4pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g <span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>puh,<span style="letter-spacing: 0.25pt;"> </span>mudah
putus<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span>,<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">ce</span>nd<span style="letter-spacing: -0.05pt;">e</span>ru<span style="letter-spacing: 0.05pt;">n</span>g
<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>rsus<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.15pt;"> </span>p<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>h,<span style="letter-spacing: 0.15pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.1pt;">a</span>lu<span style="letter-spacing: 0.15pt;"> </span>in<span style="letter-spacing: -0.1pt;">g</span>in<span style="letter-spacing: 0.15pt;"> </span>men<span style="letter-spacing: -0.15pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>mb<span style="letter-spacing: 0.05pt;">i</span>l<span style="letter-spacing: 0.15pt;"> </span>jal<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>pin<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s
d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;">
</span>t<span style="letter-spacing: 0.05pt;">i</span>d<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: 0.1pt;"> </span>suka b<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">e</span>rja<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>s.<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.3pt;">I</span>ndiv<span style="letter-spacing: 0.05pt;">i</span>du<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.05pt;"> </span>meng<span style="letter-spacing: -0.05pt;">a</span>nut<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a
hidup<span style="letter-spacing: 0.1pt;"> </span>ini<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n men<span style="letter-spacing: -0.15pt;">g</span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>biskan<span style="letter-spacing: 0.1pt;"> w</span><span style="letter-spacing: -0.05pt;">a</span>ktu<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.3pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span>mi<span style="letter-spacing: 0.15pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>rs<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: 0.05pt;">g</span><span style="letter-spacing: -0.05pt;">-</span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
<span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>rs<span style="letter-spacing: -0.05pt;">a</span>ma<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>man<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>rm<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n in<span style="letter-spacing: -0.1pt;">g</span>in
<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>njadi
pus<span style="letter-spacing: -0.05pt;">a</span>t p<span style="letter-spacing: 0.1pt;">e</span>r<span style="letter-spacing: 0.05pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>n di <span style="letter-spacing: 0.05pt;">l</span>in<span style="letter-spacing: -0.1pt;">g</span>ku<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .75pt; margin: 0.75pt 3.85pt 0cm 0cm; text-align: center; text-indent: 18pt;"><b><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">c</span></b><b><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">.<span style="letter-spacing: 2.9pt;"> </span>As<span style="letter-spacing: 0.05pt;">p</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">-</span>Aspek
<span style="letter-spacing: -0.05pt;">G</span>aya H<span style="letter-spacing: 0.05pt;">idu</span>p<span style="letter-spacing: 0.05pt;"> </span>Hedo<span style="letter-spacing: -0.05pt;">n</span>i<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.15pt;">me</span></span></b><span lang="EN-US" style="font-size: 12pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">K<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: 0.2pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> “</span><i>the
<span style="letter-spacing: -0.05pt;">c</span>ombinat<span style="letter-spacing: 0.05pt;">i</span>on<span style="letter-spacing: 0.15pt;"> </span>of<span style="letter-spacing: 0.05pt;"> </span>su<span style="letter-spacing: -0.05pt;">c</span>h<span style="letter-spacing: 0.05pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rd<span style="letter-spacing: -0.05pt;">e</span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">e</span>nt
at<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.05pt;">t</span>ud<span style="letter-spacing: -0.05pt;">e</span>s,<span style="letter-spacing: 0.05pt;"> </span>mann<span style="letter-spacing: -0.05pt;">e</span>rs,<span style="letter-spacing: 0.05pt;"> </span>and<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.1pt;">p</span>at<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rns<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span>on<span style="letter-spacing: 0.05pt;"> </span>f<span style="letter-spacing: -0.1pt;">o</span>rms<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.1pt;">w</span>hat<span style="letter-spacing: 0.05pt;"> </span>I am <span style="letter-spacing: -0.05pt;">c</span>al<span style="letter-spacing: 0.05pt;">l</span>ing<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.1pt;">s</span>tyle
of<span style="letter-spacing: 0.05pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>fe<span style="letter-spacing: -0.1pt;">”</span>. </i>A<span style="letter-spacing: -0.05pt;">r</span>ti<span style="letter-spacing: 1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.95pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>je<span style="letter-spacing: 0.1pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.95pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.9pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.9pt;"> </span><span style="letter-spacing: 0.1pt;">k</span>omb<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>nta<span style="letter-spacing: -0.05pt;">r</span>a<span style="letter-spacing: 0.9pt;"> </span>sikap,<span style="letter-spacing: 1.05pt;"> </span><span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>,<span style="letter-spacing: 0.95pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">pola t<span style="letter-spacing: 0.05pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>mbent<span style="letter-spacing: 0.1pt;">u</span>k<span style="letter-spacing: 0.05pt;"> </span>g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup.<span style="letter-spacing: 0.05pt;"> S</span>ikap
ind<span style="letter-spacing: 0.15pt;">i</span>vidu<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: 0.2pt;">n</span>unjukkan <span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span>a <span style="letter-spacing: 0.15pt;">i</span>ndiv<span style="letter-spacing: 0.05pt;">i</span>d<span style="letter-spacing: -0.1pt;">u</span>,
d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;">
</span><span style="letter-spacing: -0.05pt;">c</span><span style="letter-spacing: 0.05pt;">a</span>ra ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 0.1pt;"> </span>me<span style="letter-spacing: 0.1pt;">n</span>unjukkan<span style="letter-spacing: 0.05pt;"> </span>pola<span style="letter-spacing: 0.05pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 0.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>s<span style="letter-spacing: -0.05pt;">e</span>but.<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: 0.1pt;">G</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.1pt;">y</span>a
hidup menu<span style="letter-spacing: -0.05pt;">r</span>ut<span style="letter-spacing: 0.15pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.1pt;">d</span>i<span style="letter-spacing: 0.05pt;">l</span>ihat<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>sp<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: 0.1pt;"> </span>sikap,<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span>ra d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>pola<span style="letter-spacing: 0.1pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g di<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>kuk<span style="letter-spacing: -0.05pt;">a</span>n
oleh indiv<span style="letter-spacing: 0.05pt;">i</span>du.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn12" name="_ftnref12" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[12]</span></span><!--[endif]--></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">r<span style="letter-spacing: 0.05pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>da d<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">e</span>s,<span style="letter-spacing: 0.2pt;"> </span>m<span style="letter-spacing: -0.05pt;">e</span>nurut<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.1pt;">e</span>r d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>Olson<span style="letter-spacing: 0.05pt;"> </span><i>li<span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">e</span>styl<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.05pt;"> </span>are m<span style="letter-spacing: -0.05pt;">e</span>asured
<span style="letter-spacing: 0.1pt;">b</span>y as<span style="letter-spacing: -0.05pt;">k</span>ing<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>onsum<span style="letter-spacing: -0.05pt;">e</span>rs<span style="letter-spacing: 0.05pt;"> </span>abo<span style="letter-spacing: 0.1pt;">u</span>t<span style="letter-spacing: 0.05pt;"> </span>their<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>i<span style="letter-spacing: 0.05pt;">t</span>ies<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.15pt;">(</span>wor<span style="letter-spacing: -0.05pt;">k</span>,<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">h</span>obbies,
<span style="letter-spacing: -0.05pt;">v</span>a<span style="letter-spacing: -0.05pt;">c</span>at<span style="letter-spacing: 0.05pt;">i</span>on<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.15pt;">)</span>,<span style="letter-spacing: 0.05pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.05pt;">e</span>sts<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.15pt;">(</span>f<span style="letter-spacing: 0.15pt;">a</span>mily,
job,<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">c</span>om<span style="letter-spacing: -0.05pt;">m</span>uni<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">y</span><span style="letter-spacing: -0.15pt;">)</span>,<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">a</span>nd<span style="letter-spacing: 0.05pt;"> </span>opin<span style="letter-spacing: 0.05pt;">i</span>ons<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.15pt;">(</span>about<span style="letter-spacing: 0.05pt;"> </span>so<span style="letter-spacing: -0.05pt;">c</span>i<span style="letter-spacing: -0.1pt;">a</span>l<span style="letter-spacing: 0.05pt;"> </span>is<span style="letter-spacing: 0.05pt;">s</span>u<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: -0.1pt;">s</span>,
pol<span style="letter-spacing: 0.05pt;">i</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">c</span>s,<span style="letter-spacing: 0.05pt;"> </span>busin<span style="letter-spacing: -0.05pt;">e</span>ss<span style="letter-spacing: -0.15pt;">)</span>.<span style="letter-spacing: 0.15pt;"> </span></i>A<span style="letter-spacing: -0.05pt;">r</span>ti<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: 0.05pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>jem<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">sn</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah
b<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">h</span>wa<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.25pt;"> </span>hidup diukur d<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span>ra b<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.1pt;">t</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>p<span style="letter-spacing: -0.05pt;">a</span>da<span style="letter-spacing: 0.05pt;"> </span>konsum<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: 0.1pt;"> </span>meng<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>kt<span style="letter-spacing: 0.05pt;">i</span>vi<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s
(kerj<span style="letter-spacing: -0.05pt;">a</span>, hobi, l<span style="letter-spacing: 0.05pt;">i</span>bur<span style="letter-spacing: -0.1pt;">a</span>n),
m<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>(k<span style="letter-spacing: -0.1pt;">e</span>l<span style="letter-spacing: 0.15pt;">u</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">a</span>,<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">e</span>rj<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.05pt;"> </span>komun<span style="letter-spacing: 0.05pt;">i</span>tas<span style="letter-spacing: -0.05pt;">)</span>,<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>(t<span style="letter-spacing: -0.05pt;">e</span>nta<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.05pt;"> </span>isu<span style="letter-spacing: 0.05pt;"> </span>sos<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>l, pol<span style="letter-spacing: 0.05pt;">i</span>t<span style="letter-spacing: 0.05pt;">i</span>k,<span style="letter-spacing: 0.05pt;"> </span>bisn<span style="letter-spacing: 0.05pt;">i</span>s).<span style="letter-spacing: 0.05pt;"> </span>Akti<span style="letter-spacing: 0.05pt;">v</span>i<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: -0.1pt;">s</span>,<span style="letter-spacing: 0.05pt;"> </span>m<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> (</span><i><span style="letter-spacing: 0.1pt;">a</span><span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>i<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">y</span>,<span style="letter-spacing: 0.05pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.05pt;">e</span>st,<span style="letter-spacing: 0.05pt;"> </span>and<span style="letter-spacing: 0.05pt;"> </span>opin<span style="letter-spacing: 0.05pt;">i</span>o<span style="letter-spacing: 0.15pt;">n</span></i>)
<span style="letter-spacing: -0.05pt;">a</span>tau dis<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">A</span><span style="letter-spacing: -0.15pt;">I</span>O<span style="letter-spacing: 0.05pt;"> </span>ini<span style="letter-spacing: 0.1pt;"> </span>men<span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">e</span>rmink<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a hidup<span style="letter-spacing: 0.05pt;">
</span>i<span style="letter-spacing: 0.15pt;">n</span>div<span style="letter-spacing: 0.05pt;">i</span>du<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: -0.05pt;">r</span>up<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>metode
utama<span style="letter-spacing: -0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam men<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>ti<span style="letter-spacing: 0.05pt;"> </span>g<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>hidup <span style="letter-spacing: 0.05pt;">i</span>ndiv<span style="letter-spacing: 0.05pt;">i</span>du.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn13" name="_ftnref13" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[13]</span></span><!--[endif]--></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .55pt; margin: 0.55pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">r<span style="letter-spacing: 0.05pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n
u<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>ian
di<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.05pt;"> </span>maka<span style="letter-spacing: 0.1pt;"> p</span><span style="letter-spacing: -0.05pt;">e</span>nul<span style="letter-spacing: 0.05pt;">i</span>s<span style="letter-spacing: 0.05pt;"> </span>me<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>i<span style="letter-spacing: 0.15pt;">m</span>pulkan<span style="letter-spacing: 0.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>hwa<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>sp<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.15pt;">k</span><span style="letter-spacing: -0.05pt;">-a</span>s<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>k <span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>hidup<span style="letter-spacing: 0.1pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.1pt;">s</span>me<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>kt<span style="letter-spacing: 0.05pt;">i</span>vi<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s,<span style="letter-spacing: 0.1pt;"> </span>m<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>t, p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t,<span style="letter-spacing: 0.25pt;"> </span>sikap,<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span><span style="letter-spacing: 0.05pt;">r</span>a<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>pola t<span style="letter-spacing: 0.05pt;">i</span>nd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n.<span style="letter-spacing: 0.1pt;"> </span>Asp<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">-a</span>s<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: 0.05pt;"> </span>ini<span style="letter-spacing: 0.1pt;"> </span>n<span style="letter-spacing: -0.05pt;">a</span>nt<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a <span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>di<span style="letter-spacing: -0.1pt;">g</span>u<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: 0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>untuk<span style="letter-spacing: 0.1pt;"> </span>men<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>ti<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.15pt;"> </span>hidup
h<span style="letter-spacing: -0.05pt;">e</span>donisme.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><b><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">d</span></b><b><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">.<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: -0.15pt;">F</span>a<span style="letter-spacing: 0.05pt;">k</span>tor<span style="letter-spacing: 0.05pt;"> </span>P<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">n</span>y<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">b</span>ab<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.1pt;">G</span>aya<span style="letter-spacing: 0.1pt;"> </span>H<span style="letter-spacing: 0.05pt;">id</span><span style="letter-spacing: -0.05pt;">u</span>p<span style="letter-spacing: 0.05pt;"> </span></span></b><b><span style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%; mso-ansi-language: IN;">H</span></b><b><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">edo<span style="letter-spacing: 0.05pt;">n</span>i<span style="letter-spacing: 0.15pt;">s</span><span style="letter-spacing: -0.15pt;">me</span></span></b><span lang="EN-US" style="font-size: 12pt; line-height: 200%;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">Fe</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">ist<span style="letter-spacing: 0.1pt;"> </span>&<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">Fe</span>ist<span style="letter-spacing: 0.1pt;"> </span>me<span style="letter-spacing: 0.2pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>me<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;"> </span>f<span style="letter-spacing: -0.1pt;">a</span>ktor
<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>b<span style="letter-spacing: 0.15pt;"> </span>g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.1pt;">y</span>a hidup<i><span style="letter-spacing: 0.05pt;">“</span>It is<span style="letter-spacing: 0.05pt;"> </span>the
produ<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 0.05pt;"> </span>the in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>ra<span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span>on<span style="letter-spacing: 0.05pt;"> </span>of<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">d</span>i<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">y</span>,<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">v</span>ironm<span style="letter-spacing: -0.05pt;">e</span>nt,<span style="letter-spacing: 0.05pt;"> </span>and<span style="letter-spacing: 0.05pt;"> </span>a<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>rson’s
<span style="letter-spacing: -0.05pt;">c</span>r<span style="letter-spacing: -0.05pt;">e</span>at<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>e
pow<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span></i></span><i><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;">”</span></i><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">.<span style="letter-spacing: 0.1pt;"> </span>T<span style="letter-spacing: -0.05pt;">e</span>rj<span style="letter-spacing: -0.05pt;">e</span>ma<span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: 0.05pt;">a</span>ri<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;">i</span>mat<span style="letter-spacing: 0.05pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>s<span style="letter-spacing: -0.05pt;">e</span>but<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.1pt;">a</span>h<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>hwa
<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a hidup<span style="letter-spacing: 0.05pt;">
</span>me<span style="letter-spacing: -0.05pt;">r</span>u<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>prod<span style="letter-spacing: -0.05pt;">u</span>k<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>tau h<span style="letter-spacing: -0.05pt;">a</span>sil<span style="letter-spacing: 0.1pt;"> </span>i<span style="letter-spacing: -0.1pt;">n</span>te<span style="letter-spacing: -0.05pt;">ra</span>ksi<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri f<span style="letter-spacing: -0.1pt;">a</span>ktor
k<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.15pt;">t</span>urun<span style="letter-spacing: -0.1pt;">a</span>n, l<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>ku<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 2pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>ku<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span>kr<span style="letter-spacing: -0.1pt;">e</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;">i</span>f<span style="letter-spacing: 1.85pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu.<span style="letter-spacing: 2.1pt;"> </span>B<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.05pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span>rk<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 1.95pt;"> </span>di<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>ta<span style="letter-spacing: 0.1pt;">s</span>,<span style="letter-spacing: 1.9pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">g</span>a</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">f<span style="letter-spacing: -0.1pt;">a</span>ktor<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 2.05pt;"> </span>telah<span style="letter-spacing: 2.15pt;"> </span>diseb<span style="letter-spacing: 0.1pt;">u</span>tkan<span style="letter-spacing: 2.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span>s<span style="letter-spacing: -0.05pt;">e</span>but<span style="letter-spacing: 2.15pt;"> </span>memb<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">w</span>a<span style="letter-spacing: 2.2pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>ruh<span style="letter-spacing: 2.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 2.25pt;"> </span>g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.1pt;">y</span>a<span style="letter-spacing: 2.1pt;"> </span>hidup
ind<span style="letter-spacing: 0.05pt;">i</span>vidu</span><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;">.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn14" name="_ftnref14" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[14]</span></span><!--[endif]--></span></a><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">1)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -0.05pt;">Fa</span>ktor<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.15pt;">I</span>n<span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rn<span style="letter-spacing: -0.1pt;">a</span>l<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">Fa</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">ktor<span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rn<span style="letter-spacing: -0.1pt;">a</span>l<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">a</span>ktor<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g muncul <span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>lam diri<span style="letter-spacing: 0.15pt;">
</span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.2pt;">a</span>ng didas<span style="letter-spacing: -0.05pt;">a</span>rk<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>da
k<span style="letter-spacing: 0.2pt;">e</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>k<span style="letter-spacing: 0.15pt;">i</span>n<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>diri<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>ndiri<span style="letter-spacing: 0.05pt;"> </span>untuk<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: 0.2pt;">e</span>su<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>n
k<span style="letter-spacing: -0.05pt;">e</span>in<span style="letter-spacing: -0.1pt;">g</span>inan<span style="letter-spacing: 0.2pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">)<span style="letter-spacing: 1.9pt;"> </span><span style="letter-spacing: 0.05pt;">S</span>ikap<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">ikap s<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>s<span style="letter-spacing: -0.05pt;">aa</span>n<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.05pt;">ce</span>nd<span style="letter-spacing: 0.05pt;">er</span>un<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: 0.05pt;">e</span>rtind<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: 0.05pt;"> </span>su<span style="letter-spacing: -0.05pt;">a</span>tu<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">a</span>l te<span style="letter-spacing: -0.05pt;">r</span>h<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p
objek <span style="letter-spacing: 0.1pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rt<span style="letter-spacing: -0.05pt;">e</span>nt<span style="letter-spacing: 0.05pt;">u</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">b)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>tan d<span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.1pt;">a</span>man<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">H<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.1pt;"> </span>ini<span style="letter-spacing: 0.1pt;"> </span>dipe<span style="letter-spacing: -0.05pt;">r</span>oleh<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">a</span>sil<span style="letter-spacing: 0.1pt;"> </span>in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>ksi<span style="letter-spacing: 0.1pt;"> </span>manusia<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>ku<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a
d<span style="letter-spacing: 0.05pt;">a</span>n d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t <span style="letter-spacing: 0.05pt;">j</span>uga<span style="letter-spacing: -0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri <span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>sil<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.1pt;">a</span>j<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">r</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">c</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">)<span style="letter-spacing: 1.9pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>prib<span style="letter-spacing: -0.05pt;">a</span>dian<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">K<span style="letter-spacing: -0.05pt;">e</span>prib<span style="letter-spacing: -0.05pt;">a</span>dian<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>h
kon<span style="letter-spacing: 0.05pt;">f</span>i<span style="letter-spacing: -0.1pt;">g</span>ur<span style="letter-spacing: -0.1pt;">a</span>si<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>kte<span style="letter-spacing: -0.05pt;">r</span>is<span style="letter-spacing: 0.05pt;">t</span>ik
ind<span style="letter-spacing: 0.05pt;">i</span>vidu d<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span>ra b<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.05pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span>u
<span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g men<span style="letter-spacing: -0.05pt;">e</span>ntukan<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.05pt;">b</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">aa</span>n
p<span style="letter-spacing: 0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku d<span style="letter-spacing: 0.05pt;">a</span>ri s<span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>p <span style="letter-spacing: 0.15pt;">i</span>ndiv<span style="letter-spacing: 0.05pt;">i</span>du.<span style="letter-spacing: 0.25pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>prib<span style="letter-spacing: -0.05pt;">a</span>dian
<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">e</span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n
mem<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>ruhi sikap<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n
p<span style="letter-spacing: -0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku o<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: 0.05pt;">e</span>but.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">d)<span style="letter-spacing: 1.15pt;"> </span>Kons<span style="letter-spacing: -0.05pt;">e</span>p
diri<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">s<span style="letter-spacing: -0.05pt;">e</span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.15pt;"> </span>memi<span style="letter-spacing: 0.05pt;">l</span>l<span style="letter-spacing: 0.05pt;">i</span>ki<span style="letter-spacing: 0.2pt;"> </span>kons<span style="letter-spacing: -0.05pt;">e</span>p<span style="letter-spacing: 0.2pt;"> </span>diri<span style="letter-spacing: 0.2pt;"> </span>pos<span style="letter-spacing: -0.1pt;">i</span>t<span style="letter-spacing: 0.05pt;">i</span>f t<span style="letter-spacing: 0.05pt;">i</span>d<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>mudah<span style="letter-spacing: 0.15pt;"> </span>untuk
dipeng<span style="letter-spacing: -0.05pt;">a</span>ruhi<span style="letter-spacing: 0.45pt;"> </span>oleh<span style="letter-spacing: 0.55pt;"> </span>st<span style="letter-spacing: 0.05pt;">i</span>mu<span style="letter-spacing: 0.05pt;">l</span>us<span style="letter-spacing: 0.5pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.45pt;"> </span>lu<span style="letter-spacing: 0.1pt;">a</span>r,<span style="letter-spacing: 0.45pt;"> </span>te<span style="letter-spacing: 0.1pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>pi<span style="letter-spacing: 0.5pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>bi<span style="letter-spacing: 0.05pt;">l</span>a<span style="letter-spacing: 0.55pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.2pt;">e</span>o<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.35pt;"> </span>memi<span style="letter-spacing: 0.05pt;">l</span>iki<span style="letter-spacing: 0.5pt;"> </span>ko<span style="letter-spacing: 0.1pt;">n</span>s<span style="letter-spacing: -0.05pt;">e</span>p<span style="letter-spacing: 0.45pt;"> </span>diri</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">n<span style="letter-spacing: -0.05pt;">e</span>g<span style="letter-spacing: -0.05pt;">a</span>tif<span style="letter-spacing: 2.4pt;"> </span>maka<span style="letter-spacing: 2.3pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 2.4pt;"> </span>lebih<span style="letter-spacing: 2.4pt;"> </span>mudah<span style="letter-spacing: 2.35pt;"> </span>untuk<span style="letter-spacing: 2.3pt;"> </span>dipeng<span style="letter-spacing: -0.05pt;">a</span>ruhi<span style="letter-spacing: 2.4pt;"> </span>oleh<span style="letter-spacing: 2.35pt;"> </span>st<span style="letter-spacing: 0.05pt;">i</span>mu<span style="letter-spacing: -0.05pt;">l</span>us<span style="letter-spacing: 2.4pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri lua<span style="letter-spacing: -0.05pt;">r</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">2)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -0.05pt;">Fa</span>ktor
Ekst<span style="letter-spacing: 0.05pt;">e</span>rn<span style="letter-spacing: -0.1pt;">a</span>l<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">G<span style="letter-spacing: 0.15pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a hidup<span style="letter-spacing: 0.1pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donisme<span style="letter-spacing: 0.35pt;">
</span><span style="letter-spacing: -0.1pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>ng<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: 0.05pt;">a</span>ri<span style="letter-spacing: 0.05pt;"> </span>f<span style="letter-spacing: -0.1pt;">a</span>ktor<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">e</span>kste<span style="letter-spacing: -0.05pt;">r</span>n<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">t</span>u<span style="letter-spacing: 0.2pt;"> </span>muncul<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: 0.05pt;">a</span>ri luar<span style="letter-spacing: 2.8pt;">
</span>diri<span style="letter-spacing: 2.9pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vidu.<span style="letter-spacing: 2.9pt;"> </span><span style="letter-spacing: -0.05pt;">Fa</span>ktor<span style="letter-spacing: 2.85pt;">
</span><span style="letter-spacing: -0.05pt;">e</span>kste<span style="letter-spacing: -0.05pt;">r</span>n<span style="letter-spacing: -0.05pt;">a</span>l <span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 2.75pt;"> </span>me<span style="letter-spacing: 0.1pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>ruhi
<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 2.8pt;"> </span>hidup<span style="letter-spacing: 2.9pt;"> </span>h<span style="letter-spacing: 0.05pt;">e</span>doni<span style="letter-spacing: 0.3pt;">s</span>me
<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah:<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .55pt; margin: 0.55pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">)<span style="letter-spacing: 1.9pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>lo<span style="letter-spacing: 0.05pt;">m</span>pok
<span style="letter-spacing: -0.05pt;">re</span><span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">e</span>nsial<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">K<span style="letter-spacing: -0.05pt;">e</span>lo<span style="letter-spacing: 0.05pt;">m</span>pok<span style="letter-spacing: 0.15pt;"> </span>r<span style="letter-spacing: -0.1pt;">e</span><span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">e</span>nsi<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.15pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>lo<span style="letter-spacing: 0.05pt;">m</span>pok<span style="letter-spacing: 0.4pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
me<span style="letter-spacing: 0.1pt;">m</span>b<span style="letter-spacing: -0.05pt;">e</span>rik<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>ruh<span style="letter-spacing: 0.1pt;"> </span>la<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>s<span style="letter-spacing: 0.1pt;">u</span>ng <span style="letter-spacing: -0.05pt;">a</span>tau
tidak l<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>su<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: 0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.1pt;"> </span>sikap d<span style="letter-spacing: -0.05pt;">a</span>n
p<span style="letter-spacing: 0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku s<span style="letter-spacing: 0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">b)<span style="letter-spacing: 1.15pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>lua<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.1pt;">g</span>a<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">P</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">ola<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>suh<span style="letter-spacing: 0.1pt;"> </span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>tua<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.25pt;"> </span>memb<span style="letter-spacing: -0.05pt;">e</span>ntuk<span style="letter-spacing: 0.15pt;"> </span>su<span style="letter-spacing: -0.05pt;">a</span>tu<span style="letter-spacing: 0.15pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>bia<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">aa</span>n<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">ec</span><span style="letter-spacing: 0.05pt;">a</span>ra t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>k
lan<span style="letter-spacing: -0.15pt;">g</span>su<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span>mem<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>ruhi <span style="letter-spacing: 0.1pt;">p</span>ola
hidup<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">c</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">)<span style="letter-spacing: 1.9pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>las sosi<span style="letter-spacing: -0.05pt;">a</span>l<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">K<span style="letter-spacing: -0.05pt;">e</span>las<span style="letter-spacing: 0.1pt;"> </span>sos<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.15pt;"> </span>meng<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>da<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.05pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>status<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: 0.1pt;">o</span>nomi<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>sos<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n mem<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>ruhi p<span style="letter-spacing: 0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: 0.05pt;">a</span>n <span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>hidup.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">d)<span style="letter-spacing: 1.15pt;"> </span>K<span style="letter-spacing: -0.05pt;">e</span>bud<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">K<span style="letter-spacing: -0.05pt;">e</span>bud<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n
melipu<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: 0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>hu<span style="letter-spacing: -0.05pt;">a</span>n, <span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">c</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>nian, mo<span style="letter-spacing: 0.1pt;">r</span><span style="letter-spacing: -0.05pt;">a</span>l,<span style="letter-spacing: 0.05pt;"> </span>huk<span style="letter-spacing: 0.1pt;">u</span>m, <span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>t is<span style="letter-spacing: 0.05pt;">t</span>iad<span style="letter-spacing: -0.05pt;">a</span>t, <span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n k<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">aa</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">-</span>k<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">aa</span>n<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
dip<span style="letter-spacing: 0.1pt;">e</span>rol<span style="letter-spacing: -0.05pt;">e</span>h ind<span style="letter-spacing: 0.05pt;">i</span>vidu s<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: 0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>i <span style="letter-spacing: 0.05pt;">a</span>ng<span style="letter-spacing: -0.1pt;">g</span>ota ma<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>t.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">ma h<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n
p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;"> </span>R<span style="letter-spacing: -0.05pt;">a</span>ni<span style="letter-spacing: 0.05pt;"> </span>(2016<span style="letter-spacing: -0.05pt;"> </span>:
23) b<span style="letter-spacing: 0.05pt;">a</span>hwa<span style="letter-spacing: -0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span>ra<span style="letter-spacing: -0.1pt;"> </span>umum<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span>a<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: 0.1pt;">u</span>a
f<span style="letter-spacing: -0.1pt;">a</span>ktor <span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g me<span style="letter-spacing: 0.2pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">b</span>k<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>o<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
ma<span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;">s</span>wa <span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>u <span style="letter-spacing: 0.1pt;"> </span>ma<span style="letter-spacing: 0.2pt;">s</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>t <span style="letter-spacing: 0.35pt;"> </span>menj<span style="letter-spacing: -0.05pt;">a</span>di
h<span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.05pt;">s</span>me<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">t</span>u<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">a</span>ktor<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>kste<span style="letter-spacing: -0.05pt;">r</span>n<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g melipu<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.15pt;"> </span>media<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>ku<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span>so<span style="letter-spacing: 0.15pt;">s</span>ial<span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>rta
f<span style="letter-spacing: -0.1pt;">a</span>ktor int<span style="letter-spacing: -0.05pt;">e</span>rn<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>puti<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>ki<span style="letter-spacing: 0.15pt;">n</span><span style="letter-spacing: -0.05pt;">a</span>n d<span style="letter-spacing: -0.05pt;">a</span>lam
b<span style="letter-spacing: 0.05pt;">e</span>rag<span style="letter-spacing: -0.05pt;">a</span>ma d<span style="letter-spacing: -0.05pt;">a</span>n k<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.15pt;">u</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>.</span><span lang="EN-US"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: 1.45pt; margin: 1.45pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">1)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -0.05pt;">Fa</span>ktor
<span style="letter-spacing: -0.05pt;">e</span>ks<span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rn<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">D<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>s<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>rus<span style="letter-spacing: 0.1pt;"> </span>industri<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;">i</span>s<span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.15pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">g</span>lobalis<span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>ng me<span style="letter-spacing: 0.2pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
ma<span style="letter-spacing: 0.2pt;">s</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>t me<span style="letter-spacing: -0.05pt;">r</span>up<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">f</span><span style="letter-spacing: -0.05pt;">a</span>ktor<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.1pt;"> </span>me<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">e</span>b<span style="letter-spacing: -0.05pt;">a</span>bk<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">n</span>i<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">i</span>-ni<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.4pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
dulu<span style="letter-spacing: 0.15pt;"> </span>diangg<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.15pt;"> </span>tabu<span style="letter-spacing: 0.1pt;"> </span>kini diangg<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.05pt;"> </span>bias<span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">M</span><span style="letter-spacing: -0.05pt;">e</span>lalui<span style="letter-spacing: 0.05pt;"> </span>media komun<span style="letter-spacing: 0.05pt;">i</span>k<span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;"> </span>massa<span style="letter-spacing: 0.1pt;"> </span>n<span style="letter-spacing: -0.05pt;">a</span>fsu, p<span style="letter-spacing: 0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>s<span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>in<span style="letter-spacing: -0.1pt;">g</span>inan s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span>di<span style="letter-spacing: 0.15pt;">p</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>ruhi<span style="letter-spacing: 0.05pt;"> </span>u<span style="letter-spacing: 0.1pt;">n</span>tuk <span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">e</span>njadi h<span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.05pt;">s</span>m<span style="letter-spacing: -0.05pt;">e</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">2)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -0.05pt;">Fa</span>ktor
int<span style="letter-spacing: -0.05pt;">e</span>rn<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">ment<span style="letter-spacing: -0.05pt;">a</span>ra
i<span style="letter-spacing: 0.05pt;">t</span>u<span style="letter-spacing: 0.1pt;">
</span>di<span style="letter-spacing: 0.05pt;">l</span>ihat<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<span style="letter-spacing: 0.05pt;"> </span>si<span style="letter-spacing: 0.05pt;">s</span>i<span style="letter-spacing: 0.1pt;"> </span>i<span style="letter-spacing: -0.1pt;">n</span>te<span style="letter-spacing: -0.05pt;">r</span>n,<span style="letter-spacing: 0.1pt;"> </span>lem<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>kinan<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: 0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>ma<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>o<span style="letter-spacing: 0.05pt;">ra</span>ng ju<span style="letter-spacing: -0.1pt;">g</span>a<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.05pt;">p</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>ruh<span style="letter-spacing: 0.05pt;"> </span>te<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>p p<span style="letter-spacing: 0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku s<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: -0.1pt;">g</span>ian<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
me<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">a</span>gun<span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>n k<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n hu<span style="letter-spacing: 0.05pt;">r</span>a<span style="letter-spacing: -0.05pt;">-</span>hu<span style="letter-spacing: 0.05pt;">r</span>a<span style="letter-spacing: -0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>mat<span style="letter-spacing: -0.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">r<span style="letter-spacing: 0.05pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>map<span style="letter-spacing: 0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>diat<span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.05pt;"> </span>maka d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.25pt;"> </span>dis<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.1pt;">m</span>pulkan<span style="letter-spacing: 0.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">a</span>hwa
te<span style="letter-spacing: -0.05pt;">r</span>d<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.1pt;"> </span>dua
f<span style="letter-spacing: -0.1pt;">a</span>ktor utama<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
mem<span style="letter-spacing: 0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">a</span>ruhi g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a
hidup<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: 0.1pt;">o</span>ni<span style="letter-spacing: 0.15pt;">s</span>m<span style="letter-spacing: -0.05pt;">e</span>,<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;">t</span>u<span style="letter-spacing: 0.05pt;"> </span>f<span style="letter-spacing: -0.1pt;">a</span>ktor
in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">r</span>n<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n
f<span style="letter-spacing: -0.1pt;">a</span>ktor <span style="letter-spacing: -0.05pt;">e</span>kst<span style="letter-spacing: 0.1pt;">e</span>rn<span style="letter-spacing: -0.1pt;">a</span>l.<span style="letter-spacing: 0.05pt;"> F</span><span style="letter-spacing: -0.05pt;">a</span>ktor <span style="letter-spacing: 0.15pt;">i</span>nte<span style="letter-spacing: -0.05pt;">r</span>n<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.3pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: 0.05pt;"> </span>mem<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>r<span style="letter-spacing: 0.05pt;">u</span>hi<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.1pt;"> </span>hidup<span style="letter-spacing: 0.05pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.15pt;">s</span>me<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah f<span style="letter-spacing: -0.1pt;">a</span>ktor<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>turun<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.1pt;"> </span>lem<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">hn</span><span style="letter-spacing: -0.25pt;">y</span>a <span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: 0.2pt;">e</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>kinan<span style="letter-spacing: 0.05pt;">
a</span>g<span style="letter-spacing: -0.05pt;">a</span>ma,<span style="letter-spacing: 0.05pt;"> </span>sikap,<span style="letter-spacing: 0.2pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>lam<span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>gamat<span style="letter-spacing: -0.05pt;">a</span>n, </span><span lang="EN-US" style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; line-height: 200%;">k<span style="letter-spacing: -0.05pt;">e</span>prib<span style="letter-spacing: -0.05pt;">a</span>dian, <span style="letter-spacing: 0.05pt;"> </span>kons<span style="letter-spacing: -0.05pt;">e</span>p
<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: 0.15pt;">i</span>ri <span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>rta k<span style="letter-spacing: -0.05pt;">e</span>ku<span style="letter-spacing: -0.05pt;">a</span>tan
k<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">ea</span><span style="letter-spacing: 0.15pt;">t</span>if <span style="letter-spacing: 0.05pt;"> </span>ind<span style="letter-spacing: 0.05pt;">i</span>vid<span style="letter-spacing: 0.1pt;">u</span>.
<span style="letter-spacing: 0.05pt;"> S</span><span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span>k<span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.15pt;"> </span>f<span style="letter-spacing: -0.1pt;">a</span>ktor <span style="letter-spacing: -0.05pt;">e</span>kste<span style="letter-spacing: -0.05pt;">r</span>n<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g
mem<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">a</span>ruhi<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>hidup<span style="letter-spacing: 0.1pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>doni<span style="letter-spacing: 0.3pt;">s</span>me<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>lah<span style="letter-spacing: 0.1pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: -0.1pt;">g</span>ku<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n,<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: -0.1pt;">a</span>s<span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span>a
<span style="letter-spacing: -0.05pt;">a</span>rus
industri<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;">i</span>s<span style="letter-spacing: -0.05pt;">a</span>si
<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.1pt;">g</span>lobalis<span style="letter-spacing: -0.05pt;">a</span>si, <span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>lo<span style="letter-spacing: 0.05pt;">m</span>pok <span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">e</span>f<span style="letter-spacing: -0.1pt;">e</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">e</span>nsi,
<span style="letter-spacing: 0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>lu<span style="letter-spacing: 0.1pt;">a</span><span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>, <span style="letter-spacing: 0.1pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>las
<span style="letter-spacing: 0.1pt;"> </span>sos<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">a</span>l
s<span style="letter-spacing: -0.05pt;">e</span>rta<span style="letter-spacing: -0.05pt;"> </span>k<span style="letter-spacing: -0.05pt;">e</span>bu<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">aa</span>n.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 181.5pt; margin-right: 0cm; margin-top: 1.2pt; margin: 1.2pt 0cm 0cm 181.5pt;"><b><span style="font-size: 14pt; letter-spacing: -0.05pt; mso-ansi-language: IN;"> </span></b><b><span style="font-size: 14pt; letter-spacing: -0.05pt; mso-ansi-language: IN;"> </span></b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 181.5pt; margin-right: 0cm; margin-top: 1.2pt; margin: 1.2pt 0cm 0cm 181.5pt;"><b><span style="font-size: 14pt; letter-spacing: -0.05pt; mso-ansi-language: IN;"> </span></b><b><span style="font-size: 14pt; letter-spacing: -0.05pt; mso-ansi-language: IN;"> </span></b><b><span style="font-size: 14pt; letter-spacing: -0.05pt; mso-ansi-language: IN;"> </span></b></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 181.5pt; margin-right: 0cm; margin-top: 1.2pt; margin: 1.2pt 0cm 0cm 181.5pt;"><b><span lang="EN-US" style="font-size: 14pt; letter-spacing: -0.05pt;">DAF</span></b><b><span lang="EN-US" style="font-size: 14pt;">T<span style="letter-spacing: -0.05pt;">A</span>R <span style="letter-spacing: -0.05pt;">PU</span>ST<span style="letter-spacing: -0.05pt;">A</span><span style="letter-spacing: 0.1pt;">K</span>A</span></b><span lang="EN-US" style="font-size: 14pt;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: 10pt; mso-line-height-rule: exactly;"><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">And</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-align: justify; text-indent: -1cm;">e</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">rm</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-align: justify; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">n,</span><span style="font-size: 12pt; letter-spacing: 1.45pt; text-align: justify; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">E.</span><span style="font-size: 12pt; letter-spacing: 1.4pt; text-align: justify; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">M.,</span><span style="font-size: 12pt; letter-spacing: 1.45pt; text-align: justify; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">&</span><span style="font-size: 12pt; letter-spacing: 1.35pt; text-align: justify; text-indent: -1cm;">
</span><span style="font-size: 12pt; letter-spacing: 0.1pt; text-align: justify; text-indent: -1cm;">M</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">urdo</span><span style="font-size: 12pt; letter-spacing: -0.1pt; text-align: justify; text-indent: -1cm;">c</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">k,</span><span style="font-size: 12pt; letter-spacing: 1.45pt; text-align: justify; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">T.</span><span style="font-size: 12pt; letter-spacing: 1.4pt; text-align: justify; text-indent: -1cm;"> </span><span style="font-size: 12pt; letter-spacing: -0.1pt; text-align: justify; text-indent: -1cm;">B</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">.</span><span style="font-size: 12pt; letter-spacing: 1.45pt; text-align: justify; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">(200</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-align: justify; text-indent: -1cm;">7</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">).</span><span style="font-size: 12pt; letter-spacing: 1.55pt; text-align: justify; text-indent: -1cm;"> </span><i style="font-size: 12pt; text-align: justify; text-indent: -1cm;">P<span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">yc</span>hology<span style="letter-spacing: 1.4pt;"> </span>of<span style="letter-spacing: 1.5pt;"> </span>a<span style="letter-spacing: -0.05pt;">c</span>ad<span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: 0.1pt;">i</span>c<span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: 0.15pt;">c</span>h<span style="letter-spacing: -0.05pt;">e</span>at<span style="letter-spacing: 0.05pt;">i</span>ng</i><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">.</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-align: justify; text-indent: -1cm;">S</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-align: justify; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">n Di</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-align: justify; text-indent: -1cm;">e</span><span style="font-size: 12pt; letter-spacing: -0.1pt; text-align: justify; text-indent: -1cm;">g</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">o, C. A.: Elsev</span><span style="font-size: 12pt; letter-spacing: 0.1pt; text-align: justify; text-indent: -1cm;">i</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-align: justify; text-indent: -1cm;">e</span><span style="font-size: 12pt; text-align: justify; text-indent: -1cm;">r.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span><span style="font-size: 12pt; text-indent: -1cm;">A</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">r</span><span style="font-size: 12pt; text-indent: -1cm;">ikun</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">t</span><span style="font-size: 12pt; text-indent: -1cm;">o, </span><span style="font-size: 12pt; letter-spacing: 0.6pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">S</span><span style="font-size: 12pt; text-indent: -1cm;">uh</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-indent: -1cm;">rsim</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">i</span><span style="font-size: 12pt; text-indent: -1cm;">. </span><span style="font-size: 12pt; letter-spacing: 1.2pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-indent: -1cm;">(201</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">3</span><span style="font-size: 12pt; text-indent: -1cm;">). </span><span style="font-size: 12pt; letter-spacing: 0.65pt; text-indent: -1cm;"> </span><i style="font-size: 12pt; text-indent: -1cm;">Pros<span style="letter-spacing: -0.05pt;">e</span>dur <span style="letter-spacing: 0.6pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>t<span style="letter-spacing: 0.05pt;">i</span>an
<span style="letter-spacing: 0.6pt;"> </span>suatu
<span style="letter-spacing: 0.6pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">ek</span>atan
<span style="letter-spacing: 0.6pt;"> </span><span style="letter-spacing: 0.1pt;">p</span>ra<span style="letter-spacing: -0.05pt;">k</span>t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: 0.1pt;">k</span></i><span style="font-size: 12pt; text-indent: -1cm;">.</span><span style="font-size: 12pt; letter-spacing: 0.1pt; text-indent: -1cm;">J</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-indent: -1cm;">k</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-indent: -1cm;">rt</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-indent: -1cm;">:
</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">P</span><span style="font-size: 12pt; text-indent: -1cm;">T R</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">i</span><span style="font-size: 12pt; text-indent: -1cm;">n</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">e</span><span style="font-size: 12pt; text-indent: -1cm;">ka</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-indent: -1cm;">Cip</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">t</span><span style="font-size: 12pt; text-indent: -1cm;">a</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">A<span style="letter-spacing: 0.05pt;">z</span>w<span style="letter-spacing: -0.05pt;">a</span>r, <span style="letter-spacing: 1.05pt;"> </span><span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">a</span>ifuddin.
<span style="letter-spacing: 1.1pt;"> </span>(20<span style="letter-spacing: 0.05pt;">1</span>7). <span style="letter-spacing: 1.15pt;"> </span><i>P<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">y</span>usunan
<span style="letter-spacing: 1.1pt;"> </span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.05pt;">k</span>ala
<span style="letter-spacing: 1.2pt;"> </span>psikolog<span style="letter-spacing: 0.1pt;">i</span></i>. <span style="letter-spacing: 1.05pt;"> </span>Yo<span style="letter-spacing: 0.1pt;">g</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>rt<span style="letter-spacing: -0.05pt;">a</span>: <span style="letter-spacing: 1.2pt;"> </span><span style="letter-spacing: 0.05pt;">P</span>ustaka</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; mso-ansi-language: IN; text-indent: -1cm;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">P</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">e</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">laj<span style="letter-spacing: -0.05pt;">a</span>r.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .85pt; margin: 0.85pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">D<span style="letter-spacing: -0.05pt;">a</span>vis,<span style="letter-spacing: 0.05pt;">S</span>.<span style="letter-spacing: -0.05pt;">F</span>.<span style="letter-spacing: 1.55pt;"> </span>&<span style="letter-spacing: 1.35pt;">
</span><span style="letter-spacing: 0.1pt;">D</span>rin<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: 0.1pt;">.</span><span style="letter-spacing: 0.05pt;">F</span>.<span style="letter-spacing: 1.45pt;"> </span>&<span style="letter-spacing: 1.45pt;"> </span>G<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>nt<span style="letter-spacing: 1.45pt;"> </span>T<span style="letter-spacing: 0.1pt;">.</span><span style="letter-spacing: -0.1pt;">B</span>.<span style="letter-spacing: 1.55pt;"> </span>(200<span style="letter-spacing: -0.05pt;">9</span>).<span style="letter-spacing: 1.65pt;"> </span><i>Ch<span style="letter-spacing: -0.05pt;">e</span>at<span style="letter-spacing: 0.05pt;">i</span>ng<span style="letter-spacing: 1.45pt;"> </span>in<span style="letter-spacing: 1.45pt;"> </span>s<span style="letter-spacing: -0.05pt;">c</span>hool<span style="letter-spacing: 1.45pt;"> </span>:<span style="letter-spacing: 1.5pt;"> </span>what<span style="letter-spacing: 1.45pt;"> </span>we <span style="letter-spacing: -0.05pt;">k</span>now</i></span><i style="text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span></i><i style="text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;">and what <span style="letter-spacing: 0.05pt;">w</span>e<span style="letter-spacing: -0.05pt;"> c</span>an d<span style="letter-spacing: 0.05pt;">o</span></span></i><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">. United <span style="letter-spacing: -0.05pt;">K</span>in<span style="letter-spacing: -0.1pt;">g</span>dom:<span style="letter-spacing: 0.05pt;"> W</span>i<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: -0.2pt;">y</span><span style="letter-spacing: 0.1pt;">-</span>Bl<span style="letter-spacing: 0.1pt;">a</span><span style="letter-spacing: -0.05pt;">c</span>kw<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">l</span>.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .2pt; margin: 0.2pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">D<span style="letter-spacing: -0.05pt;">e</span>pdikbud.<span style="letter-spacing: 1.7pt;"> </span>(<i>200<span style="letter-spacing: 0.1pt;">3</span><span style="letter-spacing: -0.15pt;">)</span>.<span style="letter-spacing: 1.85pt;"> </span>Un<span style="letter-spacing: 0.1pt;">d</span>ang<span style="letter-spacing: -0.05pt;">-</span>Undang<span style="letter-spacing: 1.65pt;"> </span>RI<span style="letter-spacing: 1.75pt;"> </span>Nomor<span style="letter-spacing: 1.8pt;"> </span>20<span style="letter-spacing: 1.65pt;"> </span><span style="letter-spacing: 0.05pt;">T</span>ahun<span style="letter-spacing: 1.65pt;"> </span>2003,<span style="letter-spacing: 1.65pt;"> </span>tentang<span style="letter-spacing: 1.8pt;">
</span>Sis<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>m</i></span><i style="text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span></i><i style="text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;">P<span style="letter-spacing: -0.05pt;">e</span>ndid<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">k</span>an Nasional.</span></i></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .4pt; margin: 0.4pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">E<span style="letter-spacing: -0.05pt;">f</span>f<span style="letter-spacing: -0.1pt;">e</span>ndi,<span style="letter-spacing: 1.55pt;"> </span>Yu<span style="letter-spacing: 0.2pt;">d</span><span style="letter-spacing: -0.25pt;">y</span>.<span style="letter-spacing: 1.55pt;"> </span>(201<span style="letter-spacing: 0.05pt;">2</span>).<span style="letter-spacing: 1.7pt;"> </span><i>Rahasia<span style="letter-spacing: 1.6pt;"> </span>m<span style="letter-spacing: -0.05pt;">e</span>raih<span style="letter-spacing: 1.6pt;"> </span>hidup<span style="letter-spacing: 1.6pt;"> </span>sup<span style="letter-spacing: -0.05pt;">e</span>rsuks<span style="letter-spacing: -0.05pt;">e</span>s</i>.<span style="letter-spacing: 1.55pt;">
</span><span style="letter-spacing: 0.1pt;">J</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rta<span style="letter-spacing: 1.5pt;"> </span>:<span style="letter-spacing: 1.55pt;"> </span><span style="letter-spacing: 0.1pt;">A</span>grom<span style="letter-spacing: -0.05pt;">e</span>dia</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN; text-indent: -1cm;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">P</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">ustak<span style="letter-spacing: -0.05pt;">a</span>.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">Fe</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">ist<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">J</span>. &<span style="letter-spacing: -0.1pt;"> </span><span style="letter-spacing: -0.05pt;">Fe</span>ist<span style="letter-spacing: 0.05pt;"> </span>G.<span style="letter-spacing: 0.1pt;">J</span>. (20<span style="letter-spacing: -0.05pt;">0</span>8).<span style="letter-spacing: 0.05pt;"> <i>T</i></span><i>h<span style="letter-spacing: -0.05pt;">e</span>ories
of<span style="letter-spacing: 0.05pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>rsona<span style="letter-spacing: 0.05pt;">l</span>i<span style="letter-spacing: 0.05pt;">t</span>y<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.15pt;">(</span>7th
e<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.1pt;">)</span></i>.
USA: M<span style="letter-spacing: 0.05pt;">c</span>G<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.05pt;">a</span>w <span style="letter-spacing: -0.05pt;">H</span>i<span style="letter-spacing: 0.05pt;">l</span>l</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">Gun<span style="letter-spacing: -0.05pt;">a</span>rs<span style="letter-spacing: -0.05pt;">a</span>,<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: 0.05pt;">S</span>i<span style="letter-spacing: 0.15pt;">n</span>g<span style="letter-spacing: -0.1pt;">g</span>ih<span style="letter-spacing: 2.15pt;"> </span>&<span style="letter-spacing: 1.95pt;"> </span>G<span style="letter-spacing: 0.1pt;">u</span>n<span style="letter-spacing: -0.05pt;">a</span>rs<span style="letter-spacing: -0.05pt;">a</span>,<span style="letter-spacing: 2.05pt;"> </span>Yulia.<span style="letter-spacing: 2.1pt;">
</span>2001.<span style="letter-spacing: 2.2pt;"> </span><i>Psi<span style="letter-spacing: 0.1pt;">k</span>ologi<span style="letter-spacing: 2.1pt;"> </span>pra<span style="letter-spacing: -0.05pt;">k</span>t<span style="letter-spacing: 0.05pt;">i</span>s<span style="letter-spacing: 2.05pt;"> </span>ana<span style="letter-spacing: -0.05pt;">k</span>,<span style="letter-spacing: 2.05pt;"> </span>r<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">m</span>aja<span style="letter-spacing: 2.05pt;"> </span>dan </i></span><i style="text-indent: -1cm;"><span style="font-size: 12pt; mso-ansi-language: IN;"> k</span></i><i style="text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt;">e</span></i><i style="text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;">luarga</span></i><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">. <span style="letter-spacing: 0.1pt;">J</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rt<span style="letter-spacing: -0.05pt;">a</span>: Gunu<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span>Mul<span style="letter-spacing: 0.05pt;">i</span>a</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">K<span style="letter-spacing: -0.05pt;">e</span>k<span style="letter-spacing: -0.05pt;">e</span>s,<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: 0.1pt;">J</span>ohn.<span style="letter-spacing: 2.05pt;"> </span>(200<span style="letter-spacing: -0.05pt;">8</span>).<span style="letter-spacing: 2.05pt;"> </span><i>Enjo<span style="letter-spacing: -0.05pt;">y</span>m<span style="letter-spacing: -0.05pt;">e</span>nt<span style="letter-spacing: 2.05pt;"> </span>:<span style="letter-spacing: 2pt;"> </span>the<span style="letter-spacing: 2pt;"> </span>moral<span style="letter-spacing: 2.05pt;"> </span>sign<span style="letter-spacing: 0.05pt;">i</span>f<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">c</span>an<span style="letter-spacing: -0.05pt;">c</span>e<span style="letter-spacing: 2pt;"> </span>of<span style="letter-spacing: 2.05pt;"> </span>styl<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 2.05pt;"> </span>of<span style="letter-spacing: 2.05pt;"> </span>l<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.1pt;">f</span><span style="letter-spacing: 0.1pt;">e</span>.<span style="letter-spacing: 2.05pt;"> </span></i>N<span style="letter-spacing: -0.05pt;">e</span>w</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN; text-indent: -1cm;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">Yo<span style="letter-spacing: -0.05pt;">r</span>k
: O<span style="letter-spacing: 0.1pt;">x</span>fo<span style="letter-spacing: -0.05pt;">r</span>d Univ<span style="letter-spacing: -0.05pt;">e</span>rsi<span style="letter-spacing: 0.15pt;">t</span>y<span style="letter-spacing: -0.1pt;"> </span><span style="letter-spacing: 0.05pt;">P</span>r<span style="letter-spacing: -0.1pt;">e</span>ss</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span><span style="font-size: 12pt; text-indent: -1cm;">Kotle</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">r</span><span style="font-size: 12pt; text-indent: -1cm;">,</span><span style="font-size: 12pt; letter-spacing: 1.65pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">P</span><span style="font-size: 12pt; text-indent: -1cm;">.</span><span style="font-size: 12pt; letter-spacing: 1.65pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-indent: -1cm;">(199</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">6</span><span style="font-size: 12pt; text-indent: -1cm;">).</span><span style="font-size: 12pt; letter-spacing: 1.85pt; text-indent: -1cm;"> </span><i style="font-size: 12pt; text-indent: -1cm;"><span style="letter-spacing: -0.05pt;">M</span>ar<span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>t<span style="letter-spacing: 0.05pt;">i</span>ng<span style="letter-spacing: 1.65pt;"> </span>manag<span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: -0.05pt;">e</span>nt<span style="letter-spacing: 1.8pt;"> </span>:<span style="letter-spacing: 1.7pt;"> </span>an<span style="letter-spacing: 0.1pt;">a</span>lysis,<span style="letter-spacing: 1.7pt;"> </span>plann<span style="letter-spacing: 0.05pt;">i</span>ng,<span style="letter-spacing: 1.65pt;"> </span>imple<span style="letter-spacing: -0.05pt;">m</span><span style="letter-spacing: 0.05pt;">e</span>nta<span style="letter-spacing: 0.05pt;">t</span>io<span style="letter-spacing: -0.1pt;">n</span>, and <span style="letter-spacing: -0.05pt;">c</span>ontro<span style="letter-spacing: 0.05pt;">l</span>.<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.15pt;">(</span>9th e<span style="letter-spacing: 0.1pt;">d</span>).
</i><span style="font-size: 12pt; text-indent: -1cm;">N</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">e</span><span style="font-size: 12pt; text-indent: -1cm;">w </span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">Y</span><span style="font-size: 12pt; text-indent: -1cm;">ork : Pr</span><span style="font-size: 12pt; letter-spacing: -0.1pt; text-indent: -1cm;">e</span><span style="font-size: 12pt; text-indent: -1cm;">nt</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">i</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">c</span><span style="font-size: 12pt; text-indent: -1cm;">e</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; letter-spacing: 0.1pt; text-indent: -1cm;">H</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-indent: -1cm;">l</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">l</span><span style="font-size: 12pt; text-indent: -1cm;">,inc.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .35pt; margin: 0.35pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span><u style="text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span></u><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">.<span style="letter-spacing: 2.5pt;"> </span>(201<span style="letter-spacing: -0.05pt;">2</span>).<span style="letter-spacing: 2.55pt;"> </span><i><span style="letter-spacing: -0.05pt;">M</span><span style="letter-spacing: 0.1pt;">a</span>r<span style="letter-spacing: -0.05pt;">ke</span>t<span style="letter-spacing: 0.05pt;">i</span>ng<span style="letter-spacing: 2.5pt;"> </span>manag<span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: -0.05pt;">e</span>nt.<span style="letter-spacing: 2.65pt;"> </span>(<span style="letter-spacing: 0.05pt;">1</span>4th<span style="letter-spacing: 2.55pt;"> </span>Ed<span style="letter-spacing: -0.15pt;">)</span>.<span style="letter-spacing: 2.6pt;"> </span></i><span style="letter-spacing: 0.1pt;">N</span><span style="letter-spacing: -0.05pt;">e</span>w<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: 0.1pt;">J</span><span style="letter-spacing: -0.05pt;">e</span>rs<span style="letter-spacing: 0.15pt;">e</span>y<span style="letter-spacing: 2.25pt;"> </span>:<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: 0.05pt;">P</span>r<span style="letter-spacing: -0.1pt;">e</span>nt<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">c</span>e</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN; text-indent: -1cm;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">H<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;">l</span>.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span><span style="font-size: 12pt; text-indent: -1cm;">Kunto,</span><span style="font-size: 12pt; letter-spacing: 0.1pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-indent: -1cm;">A.</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">A</span><span style="font-size: 12pt; text-indent: -1cm;">.</span><span style="font-size: 12pt; letter-spacing: 0.1pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-indent: -1cm;">(199</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">9</span><span style="font-size: 12pt; text-indent: -1cm;">).</span><span style="font-size: 12pt; letter-spacing: 0.1pt; text-indent: -1cm;"> </span><i style="font-size: 12pt; text-indent: -1cm;">R<span style="letter-spacing: 0.05pt;">e</span>maja<span style="letter-spacing: 0.1pt;"> </span>tentang<span style="letter-spacing: 0.1pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donisme :<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">kec</span>il<span style="letter-spacing: 0.1pt;"> </span>bahagia,<span style="letter-spacing: 0.1pt;"> </span>mudafo<span style="letter-spacing: -0.05pt;">y</span><span style="letter-spacing: 0.15pt;">a</span><span style="letter-spacing: -0.05pt;">-</span>foya, tua ka<span style="letter-spacing: -0.05pt;">y</span>a ra<span style="letter-spacing: -0.05pt;">y</span>a, mati mas<span style="letter-spacing: 0.1pt;">u</span>k<span style="letter-spacing: -0.05pt;"> </span>surg<span style="letter-spacing: 0.05pt;">a</span></i><span style="font-size: 12pt; text-indent: -1cm;">. Yo</span><span style="font-size: 12pt; letter-spacing: 0.1pt; text-indent: -1cm;">g</span><span style="font-size: 12pt; letter-spacing: -0.25pt; text-indent: -1cm;">y</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-indent: -1cm;">k</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">a</span><span style="font-size: 12pt; text-indent: -1cm;">rta</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;"> </span><span style="font-size: 12pt; text-indent: -1cm;">:
</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">P</span><span style="font-size: 12pt; text-indent: -1cm;">T.</span><span style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">Ka</span><span style="font-size: 12pt; text-indent: -1cm;">nis</span><span style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">i</span><span style="font-size: 12pt; text-indent: -1cm;">us.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.15pt; text-indent: -1cm;">L</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">a</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">m<span style="letter-spacing: 0.15pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>rt,<span style="letter-spacing: 0.05pt;"> </span>E.<span style="letter-spacing: 0.15pt;"> </span>G., H<span style="letter-spacing: 0.1pt;">o</span>g<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>,<span style="letter-spacing: 0.05pt;"> </span>N.<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.15pt;">L</span>.,<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.1pt;">B</span><span style="letter-spacing: 0.05pt;">a</span>rton,<span style="letter-spacing: 0.05pt;"> S</span>.<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: 0.1pt;">M</span>.<span style="letter-spacing: 0.05pt;"> </span>(200<span style="letter-spacing: -0.05pt;">3</span>).<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: 0.05pt;">C</span>ol<span style="letter-spacing: 0.05pt;">le</span><span style="letter-spacing: -0.1pt;">g</span>iate<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: 0.05pt;">i</span>c dishon<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.15pt;">t</span>y <span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.05pt;">e</span>vis<span style="letter-spacing: 0.05pt;">i</span>ted:
<span style="letter-spacing: 0.2pt;"> </span>wh<span style="letter-spacing: -0.05pt;">a</span>t <span style="letter-spacing: 0.25pt;"> </span>h<span style="letter-spacing: -0.05pt;">a</span>ve <span style="letter-spacing: 0.3pt;"> </span>th<span style="letter-spacing: 0.2pt;">e</span>y don<span style="letter-spacing: 0.05pt;">e</span>, <span style="letter-spacing: 0.2pt;"> </span>how
<span style="letter-spacing: 0.2pt;"> </span>oft<span style="letter-spacing: -0.05pt;">e</span>n <span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>ve
<span style="letter-spacing: 0.15pt;"> </span>t<span style="letter-spacing: 0.15pt;">h</span><span style="letter-spacing: 0.05pt;">e</span>y done <span style="letter-spacing: 2.95pt;"> </span>i<span style="letter-spacing: 0.05pt;">t</span>, who <span style="letter-spacing: 2.95pt;"> </span>do<span style="letter-spacing: -0.05pt;">e</span>s i<span style="letter-spacing: 0.05pt;">t</span>, <span style="letter-spacing: -0.05pt;">a</span>nd w<span style="letter-spacing: 0.2pt;">h</span>y
<span style="letter-spacing: 2.65pt;"> </span>t<span style="letter-spacing: 0.15pt;">h</span><span style="letter-spacing: 0.2pt;">e</span>y
<span style="letter-spacing: 2.75pt;"> </span>do i<span style="letter-spacing: 0.05pt;">t</span>? <span style="letter-spacing: 0.3pt;"> </span><i><span style="letter-spacing: -0.05pt;">e</span>le<span style="letter-spacing: -0.05pt;">c</span>tron<span style="letter-spacing: 0.05pt;">i</span>c <span style="letter-spacing: 2.95pt;"> </span>journal of so<span style="letter-spacing: -0.05pt;">c</span>io<span style="letter-spacing: 0.05pt;">l</span>og<span style="letter-spacing: -0.05pt;">y</span>.</i>7
(4<span style="letter-spacing: -0.05pt;">)</span>.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.15pt; text-indent: -1cm;">L</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">a</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.15pt; text-indent: -1cm;">n</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.1pt; text-indent: -1cm;">g</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">,<span style="letter-spacing: 0.1pt;">J</span>.<span style="letter-spacing: 0.05pt;"> </span>M.<span style="letter-spacing: 0.05pt;"> </span>(201<span style="letter-spacing: -0.05pt;">3</span>).<span style="letter-spacing: 0.05pt;"> </span><i>Ch<span style="letter-spacing: -0.05pt;">e</span>at<span style="letter-spacing: 0.05pt;">i</span>ng<span style="letter-spacing: 0.05pt;"> </span>lessons:
learning<span style="letter-spacing: 0.05pt;"> </span>f<span style="letter-spacing: -0.1pt;">r</span>om a<span style="letter-spacing: -0.05pt;">c</span>ad<span style="letter-spacing: -0.05pt;">e</span>mic dishon<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: 0.2pt;">y</span></i>.<span style="letter-spacing: 0.05pt;"> </span>USA:
H<span style="letter-spacing: -0.05pt;">a</span>rvard <span style="letter-spacing: -0.05pt;">U</span>nive<span style="letter-spacing: -0.05pt;">r</span>si<span style="letter-spacing: 0.3pt;">t</span>y<span style="letter-spacing: -0.25pt;"> </span><span style="letter-spacing: 0.05pt;">P</span>r<span style="letter-spacing: -0.1pt;">e</span>ss</span></p>
</div><p><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.15pt; text-align: justify; text-indent: -1cm;">L</span><span lang="EN-US" style="font-size: 12pt; text-align: justify; text-indent: -1cm;">in.<span style="letter-spacing: 0.05pt;">C</span>.,<span style="letter-spacing: 0.35pt;"> </span>&<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">W</span><span style="letter-spacing: -0.05pt;">e</span>n,<span style="letter-spacing: 0.35pt;"> </span><span style="letter-spacing: -0.15pt;">L</span>i<span style="letter-spacing: 0.15pt;">n</span>g<span style="letter-spacing: -0.05pt;">-</span><span style="letter-spacing: 0.1pt;">Y</span>u.<span style="letter-spacing: 0.25pt;"> </span>(200<span style="letter-spacing: -0.05pt;">7</span>)<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: 0.1pt;">A</span><span style="letter-spacing: -0.05pt;">ca</span>d<span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: 0.05pt;">i</span>c<span style="letter-spacing: 0.4pt;"> </span>dishon<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: 0.15pt;">t</span>y in<span style="letter-spacing: 0.25pt;"> </span>h<span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: 0.1pt;">u</span><span style="letter-spacing: -0.05pt;">c</span><span style="letter-spacing: 0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;">i</span>on:<span style="letter-spacing: 0.25pt;"> </span>a n<span style="letter-spacing: -0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;">i</span>onwide<span style="letter-spacing: -0.05pt;">
</span>stu<span style="letter-spacing: 0.15pt;">d</span>y<span style="letter-spacing: -0.2pt;"> </span>in T<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.1pt;">w</span><span style="letter-spacing: -0.05pt;">a</span>n.
<i>R<span style="letter-spacing: -0.05pt;">e</span>as<span style="letter-spacing: -0.05pt;">e</span>a<span style="letter-spacing: 0.1pt;">r</span><span style="letter-spacing: -0.05pt;">c</span>h in Higher<span style="letter-spacing: 0.1pt;"> </span>Edu<span style="letter-spacing: -0.05pt;">c</span>at<span style="letter-spacing: 0.05pt;">i</span>on, 54, 8<span style="letter-spacing: 0.1pt;">5</span><span style="letter-spacing: -0.05pt;">-</span>97.</i></span></p><div class="WordSection2">
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.15pt; text-indent: -1cm;">L</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">op<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.05pt;">z</span>, <span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: 0.05pt;">S</span>h<span style="letter-spacing: -0.05pt;">a</span>ne <span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: 0.1pt;">J</span>.
<span style="letter-spacing: 1.45pt;"> </span>(200<span style="letter-spacing: -0.05pt;">9</span>).
<span style="letter-spacing: 2.95pt;"> </span><i><span style="letter-spacing: 0.05pt;">T</span>he <span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">c</span><span style="letter-spacing: 0.05pt;">y</span><span style="letter-spacing: -0.05pt;">c</span>lopedia <span style="letter-spacing: 1.55pt;"> </span>of <span style="letter-spacing: 1.45pt;"> </span>posit<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">v</span>e <span style="letter-spacing: 1.4pt;"> </span>ps<span style="letter-spacing: -0.05pt;">yc</span>holog<span style="letter-spacing: 0.1pt;">y</span></i>. <span style="letter-spacing: 1.55pt;"> </span>United</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN; text-indent: -1cm;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">Kin<span style="letter-spacing: -0.1pt;">g</span>dom :<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.1pt;">B</span>l<span style="letter-spacing: 0.1pt;">a</span><span style="letter-spacing: -0.05pt;">c</span>kw<span style="letter-spacing: -0.05pt;">e</span>ll<span style="letter-spacing: 0.05pt;"> P</span><span style="letter-spacing: 0.1pt;">u</span>bl<span style="letter-spacing: 0.05pt;">i</span>shing
<span style="letter-spacing: -0.25pt;">L</span>td.</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .4pt; margin: 0.4pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><br /></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 3.95pt; margin-top: 0cm; margin: 0cm 3.95pt 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;">Nis<span style="letter-spacing: -0.05pt;">a</span>k,<span style="letter-spacing: 0.1pt;"> </span>Kh<span style="letter-spacing: -0.05pt;">a</span>ir<span style="letter-spacing: -0.05pt;">a</span>tun.<span style="letter-spacing: 0.1pt;"> </span>(201<span style="letter-spacing: 0.05pt;">4)</span>.<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>rb<span style="letter-spacing: -0.1pt;">e</span>d<span style="letter-spacing: -0.05pt;">aa</span>n<span style="letter-spacing: 0.3pt;"> </span>g<span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.05pt;"> </span>hidup<span style="letter-spacing: 0.2pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donisme<span style="letter-spacing: 0.05pt;">
</span>mah<span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;">s</span>wa <span style="letter-spacing: 0.1pt;">p</span>siko<span style="letter-spacing: 0.05pt;">l</span>o<span style="letter-spacing: -0.1pt;">g</span>i
<span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g t<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>l
<span style="letter-spacing: 0.15pt;"> </span>di
<span style="letter-spacing: 0.15pt;"> </span>kos
<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.15pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>ng<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>l <span style="letter-spacing: 0.15pt;"> </span>di <span style="letter-spacing: 0.15pt;"> </span>rum<span style="letter-spacing: -0.05pt;">a</span>h
<span style="letter-spacing: 0.15pt;"> </span>or<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span>tu<span style="letter-spacing: 0.2pt;">a</span>.
<span style="letter-spacing: 0.15pt;"> </span><i>S<span style="letter-spacing: -0.05pt;">k</span>rip<span style="letter-spacing: 0.05pt;">s</span>i. <span style="letter-spacing: 0.2pt;"> </span></i>Riau : Univ<span style="letter-spacing: -0.05pt;">e</span>rsitas<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.15pt;">I</span>slam
N<span style="letter-spacing: 0.05pt;">e</span>g<span style="letter-spacing: -0.05pt;">e</span>ri<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">S</span>ul<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>n
<span style="letter-spacing: 0.15pt;">S</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>rif<span style="letter-spacing: 2.95pt;"> </span><span style="letter-spacing: 0.1pt;">K</span><span style="letter-spacing: -0.05pt;">a</span>sim</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p><p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 3.95pt; margin-top: 0cm; margin: 0cm 3.95pt 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">Nu<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>ntoro,<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: -0.1pt;">B</span><span style="letter-spacing: 0.1pt;">u</span>rh<span style="letter-spacing: -0.1pt;">a</span>n.<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: 0.05pt;">(</span>2012<span style="letter-spacing: -0.05pt;">)</span>.<span style="letter-spacing: 0.6pt;"> </span><i>Sta<span style="letter-spacing: 0.05pt;">t</span>is<span style="letter-spacing: 0.05pt;">t</span>ik<span style="letter-spacing: 0.5pt;"> </span>terapan<span style="letter-spacing: 0.35pt;"> </span>untuk<span style="letter-spacing: 0.45pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>t<span style="letter-spacing: 0.05pt;">i</span>an<span style="letter-spacing: 0.55pt;"> </span>i<span style="letter-spacing: 0.05pt;">l</span>mu<span style="letter-spacing: -0.05pt;">-</span>i<span style="letter-spacing: 0.05pt;">l</span>mu<span style="letter-spacing: 0.45pt;"> </span>sos<span style="letter-spacing: 0.05pt;">i</span>a<span style="letter-spacing: -0.05pt;">l</span></i>.</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN; text-indent: -1cm;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">Yo<span style="letter-spacing: 0.1pt;">g</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rta<span style="letter-spacing: -0.05pt;"> </span>:<span style="letter-spacing: 0.15pt;"> </span>Univ<span style="letter-spacing: -0.05pt;">e</span>rsitas<span style="letter-spacing: 0.1pt;"> </span>G<span style="letter-spacing: -0.05pt;">a</span>djah
M<span style="letter-spacing: -0.05pt;">a</span>da<span style="letter-spacing: 0.05pt;"> P</span>r<span style="letter-spacing: -0.1pt;">e</span>ss.</span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">P</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt;">e</span><span lang="EN-US" style="font-size: 12pt;">t<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>r,<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: 0.1pt;">J</span>.<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: 0.05pt;">P</span>.<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>nd<span style="letter-spacing: 0.45pt;"> </span>Olson,<span style="letter-spacing: 0.5pt;"> </span><span style="letter-spacing: 0.1pt;">J</span>.<span style="letter-spacing: 0.35pt;"> </span>C.(20<span style="letter-spacing: -0.05pt;">1</span>0)<span style="letter-spacing: 0.15pt;">.</span><i>Consum<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 0.5pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">h</span>a<span style="letter-spacing: -0.05pt;">v</span>io<span style="letter-spacing: 0.25pt;">r</span>&<span style="letter-spacing: 0.15pt;"> </span>ma<span style="letter-spacing: 0.1pt;">r</span><span style="letter-spacing: -0.05pt;">ke</span>t<span style="letter-spacing: 0.05pt;">i</span>ng<span style="letter-spacing: 0.45pt;"> </span>st<span style="letter-spacing: 0.05pt;">r</span>ateg<span style="letter-spacing: 0.05pt;">y</span></i>.<span style="letter-spacing: 0.6pt;"> </span><i><span style="letter-spacing: -0.15pt;">(</span>9<sup>th</sup></i></span><i><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span></i><i><span lang="EN-US" style="font-size: 12pt;">Ed<span style="letter-spacing: -0.15pt;">)</span></span></i><span lang="EN-US" style="font-size: 12pt;">.<span style="letter-spacing: 0.1pt;"> </span>N<span style="letter-spacing: -0.05pt;">e</span>w <span style="letter-spacing: -0.05pt;">Y</span><span style="letter-spacing: 0.1pt;">o</span>rk : M<span style="letter-spacing: -0.05pt;">c</span>G<span style="letter-spacing: 0.05pt;">raw</span><span style="letter-spacing: -0.05pt;">-</span>Hill</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 4.05pt; margin-top: 0cm; margin: 0cm 4.05pt 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">P</span><span lang="EN-US" style="font-size: 12pt;">robo<span style="letter-spacing: -0.05pt;">v</span>u<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.25pt;">y</span>,RA.
(201<span style="letter-spacing: -0.05pt;">5</span>).<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>ruh<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.25pt;">n</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>la<span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.1pt;">u</span>n<span style="letter-spacing: -0.05pt;">aa</span>n
teknolo<span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.05pt;"> </span>info<span style="letter-spacing: -0.05pt;">r</span><span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>n
in<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: -0.1pt;">g</span>rit<span style="letter-spacing: -0.05pt;">a</span>s ma<span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;">s</span>wa<span style="letter-spacing: 2.9pt;"> </span>te<span style="letter-spacing: 0.05pt;">r</span>h<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p p<span style="letter-spacing: 0.05pt;">e</span>ril<span style="letter-spacing: -0.05pt;">a</span>ku
k<span style="letter-spacing: -0.05pt;">ec</span><span style="letter-spacing: 0.1pt;">u</span>r<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: 0.05pt;">i</span>k mah<span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;">s</span>wa <span style="letter-spacing: -0.05pt;">a</span>kuntansi<span style="letter-spacing: 0.05pt;"> </span>s<span style="letter-spacing: -0.05pt;">e</span>b<span style="letter-spacing: 0.05pt;">a</span>g<span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">ca</span>lon<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>kuntan.<span style="letter-spacing: 0.1pt;"> </span><i>S<span style="letter-spacing: -0.05pt;">k</span>rip<span style="letter-spacing: 0.05pt;">s</span>i.<span style="letter-spacing: 0.1pt;"> </span></i>Y<span style="letter-spacing: 0.1pt;">og</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rta :<span style="letter-spacing: 0.05pt;"> </span>Univ<span style="letter-spacing: 0.05pt;">e</span>rsitas<span style="letter-spacing: 0.05pt;"> </span>N<span style="letter-spacing: 0.05pt;">e</span>g<span style="letter-spacing: 0.05pt;">e</span>ri
Yo<span style="letter-spacing: 0.1pt;">g</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rt<span style="letter-spacing: -0.05pt;">a</span>.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .1pt; margin: 0.1pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">R<span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>rjo, <span style="letter-spacing: 0.05pt;">S</span>up<span style="letter-spacing: -0.05pt;">a</span>rto.<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">(</span>2010<span style="letter-spacing: -0.05pt;">)</span>.<span style="letter-spacing: 0.1pt;"> </span><i>Ki<span style="letter-spacing: 0.05pt;"> </span>hajar
d<span style="letter-spacing: -0.05pt;">e</span>wantara bio<span style="letter-spacing: -0.1pt;">g</span>rafi<span style="letter-spacing: 0.05pt;"> </span>singkat<span style="letter-spacing: 0.1pt;"> </span>1889<span style="letter-spacing: -0.05pt;">-</span>195<span style="letter-spacing: 0.05pt;">9</span></i>.</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN; text-indent: -1cm;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.1pt; text-indent: -1cm;">J</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">o<span style="letter-spacing: -0.1pt;">g</span>jak<span style="letter-spacing: -0.05pt;">a</span>rt<span style="letter-spacing: -0.05pt;">a</span>:
G<span style="letter-spacing: 0.05pt;">a</span>r<span style="letter-spacing: -0.1pt;">a</span>si.</span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;">R<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: -0.1pt;">g</span>kut<span style="letter-spacing: 0.05pt;">i</span>,<span style="letter-spacing: 2.05pt;"> </span>An<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 2.1pt;"> </span>(201<span style="letter-spacing: 0.05pt;">5</span>).<span style="letter-spacing: 2.1pt;"> </span>K<i><span style="letter-spacing: -0.05pt;">ec</span>urangan<span style="letter-spacing: 2.15pt;">
</span>a<span style="letter-spacing: -0.05pt;">k</span>a<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">e</span>mik<span style="letter-spacing: 2.1pt;"> </span>pada<span style="letter-spacing: 2.05pt;"> </span>mahasis<span style="letter-spacing: 0.05pt;">w</span>a<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -0.05pt;">ke</span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: 0.1pt;">d</span>id<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">k</span>a<span style="letter-spacing: 0.15pt;">n</span>.</i><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;">Diunduh <span style="letter-spacing: 0.6pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>da <span style="letter-spacing: 0.65pt;"> </span>15 <span style="letter-spacing: 0.6pt;"> </span><span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">e</span>ptemb<span style="letter-spacing: -0.05pt;">e</span>r <span style="letter-spacing: 0.55pt;"> </span>2017 <span style="letter-spacing: 0.6pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 3.85pt; margin-top: .25pt; margin: 0.25pt 3.85pt 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US"><a href="https://www.kompasiana.com/anna_rangkuti%20/kecurangan-akademik-pada-mahasiswa-kependidikan_5510bfb5a33311c339ba8bca"><span color="windowtext" style="font-size: 12pt; letter-spacing: -0.05pt; mso-fareast-font-family: Calibri;">h</span><span color="windowtext" style="font-size: 12pt; mso-fareast-font-family: Calibri;">t<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">p</span>s<span style="letter-spacing: 0.05pt;">:</span><span style="letter-spacing: -0.05pt;">//</span>w<span style="letter-spacing: 0.05pt;">w</span>w<span style="letter-spacing: -0.1pt;">.</span>k<span style="letter-spacing: -0.05pt;">o</span><span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">p</span>asia<span style="letter-spacing: -0.05pt;">n</span>a.<span style="letter-spacing: -0.15pt;">c</span><span style="letter-spacing: 0.05pt;">o</span><span style="letter-spacing: -0.05pt;">m</span><span style="letter-spacing: 0.05pt;">/</span>a<span style="letter-spacing: -0.05pt;">n</span><span style="letter-spacing: 0.05pt;">n</span>a_ra<span style="letter-spacing: -0.05pt;">ng</span>kuti <span style="letter-spacing: 1.35pt;"> </span><span style="letter-spacing: -0.05pt;">/</span>k<span style="letter-spacing: 0.05pt;">e</span>cu<span style="letter-spacing: -0.05pt;">r</span>a<span style="letter-spacing: -0.05pt;">ng</span>an-aka<span style="letter-spacing: -0.05pt;">d</span><span style="letter-spacing: -0.1pt;">e</span><span style="letter-spacing: 0.05pt;">m</span>i<span style="letter-spacing: 0.05pt;">k</span>-<span style="letter-spacing: -0.05pt;">p</span>a<span style="letter-spacing: -0.15pt;">d</span>a</span></a><u><span style="font-size: 12pt; mso-fareast-font-family: Calibri;">-</span></u><span style="font-size: 12pt; mso-fareast-font-family: Calibri;"> </span><a href="https://www.kompasiana.com/anna_rangkuti%20/kecurangan-akademik-pada-mahasiswa-kependidikan_5510bfb5a33311c339ba8bca"><span color="windowtext" style="font-size: 12pt; letter-spacing: 0.05pt; mso-fareast-font-family: Calibri;">m</span><span color="windowtext" style="font-size: 12pt; mso-fareast-font-family: Calibri;">a<span style="letter-spacing: -0.05pt;">h</span>asis<span style="letter-spacing: -0.1pt;">w</span>a-k<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.05pt;">p</span>en<span style="letter-spacing: -0.05pt;">d</span>i<span style="letter-spacing: -0.05pt;">d</span>ika<span style="letter-spacing: -0.05pt;">n</span><span style="letter-spacing: -0.1pt;">_</span><span style="letter-spacing: 0.05pt;">5</span><span style="letter-spacing: -0.1pt;">5</span><span style="letter-spacing: 0.05pt;">10</span><span style="letter-spacing: -0.05pt;">b</span>f<span style="letter-spacing: -0.05pt;">b</span><span style="letter-spacing: 0.05pt;">5</span><span style="letter-spacing: -0.15pt;">a</span><span style="letter-spacing: -0.1pt;">3</span><span style="letter-spacing: 0.05pt;">3</span><span style="letter-spacing: -0.1pt;">3</span><span style="letter-spacing: 0.05pt;">11</span><span style="letter-spacing: -0.1pt;">c</span><span style="letter-spacing: 0.05pt;">3</span><span style="letter-spacing: -0.1pt;">3</span><span style="letter-spacing: 0.05pt;">9</span><span style="letter-spacing: -0.05pt;">b</span>a8<span style="letter-spacing: -0.15pt;">b</span></span></a><u><span style="font-size: 12pt; mso-fareast-font-family: Calibri;">ca</span></u></span><span lang="EN-US" style="font-size: 12pt; mso-fareast-font-family: Calibri;"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .3pt; margin: 0.3pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 3.95pt; margin-top: 0cm; margin: 0cm 3.95pt 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;">R<span style="letter-spacing: -0.05pt;">a</span>ni,<span style="letter-spacing: 0.3pt;"> </span>Y<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span>y
Chin<span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>.<span style="letter-spacing: 0.25pt;"> </span>(<span style="letter-spacing: 0.05pt;">2</span>016).<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">a</span>ruh<span style="letter-spacing: 0.55pt;"> </span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.2pt;">a</span><span style="letter-spacing: -0.25pt;">y</span>a<span style="letter-spacing: 0.2pt;"> </span>h<span style="letter-spacing: 0.15pt;">i</span>dup<span style="letter-spacing: 0.25pt;"> </span>h<span style="letter-spacing: -0.05pt;">e</span>donisme<span style="letter-spacing: 0.25pt;">
</span>te<span style="letter-spacing: -0.05pt;">r</span>h<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">a</span>p<span style="letter-spacing: 0.35pt;"> </span>pr<span style="letter-spacing: -0.1pt;">e</span>stasi
b<span style="letter-spacing: -0.05pt;">e</span>laj<span style="letter-spacing: -0.05pt;">a</span>r m<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">h</span><span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;">s</span>w<span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.05pt;"> </span><i>S<span style="letter-spacing: -0.05pt;">k</span>ip<span style="letter-spacing: 0.15pt;">s</span><span style="letter-spacing: 0.05pt;">i</span></i>. <span style="letter-spacing: -0.1pt;">B</span><span style="letter-spacing: -0.05pt;">a</span>ndu<span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;"> </span>: Unive<span style="letter-spacing: -0.05pt;">r</span>si<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>s<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">a</span>sund<span style="letter-spacing: -0.05pt;">a</span>n</span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .7pt; margin: 0.7pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;"> </span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">S</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt;">a</span><span lang="EN-US" style="font-size: 12pt;">ntro<span style="letter-spacing: -0.05pt;">c</span>k,<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: 0.1pt;">J</span>ohn<span style="letter-spacing: 0.45pt;"> </span><span style="letter-spacing: 0.05pt;">W</span>.<span style="letter-spacing: 0.45pt;"> </span>(200<span style="letter-spacing: -0.15pt;">7</span>).<span style="letter-spacing: 0.55pt;"> </span><i>Adol<span style="letter-spacing: -0.05pt;">e</span>s<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: 0.05pt;">c</span><span style="letter-spacing: -0.05pt;">e</span>,<span style="letter-spacing: 0.6pt;"> </span><span style="letter-spacing: -0.15pt;">(</span>11th<span style="letter-spacing: 0.5pt;"> </span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">d</span>),<span style="letter-spacing: 0.6pt;"> </span></i>di<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rj<span style="letter-spacing: -0.05pt;">e</span>mahk<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.45pt;"> </span>oleh<span style="letter-spacing: 0.55pt;"> </span><span style="letter-spacing: -0.1pt;">B</span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: 0.05pt;">e</span>dictine</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">W</span><span lang="EN-US" style="font-size: 12pt;">i<span style="letter-spacing: 0.15pt;">d</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>sin<span style="letter-spacing: 0.05pt;">t</span>a<span style="letter-spacing: -0.05pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n
judul<span style="letter-spacing: 0.15pt;"> </span>R<span style="letter-spacing: -0.05pt;">e</span>maj<span style="letter-spacing: -0.05pt;">a</span>, <span style="letter-spacing: -0.05pt;">e</span>disi<span style="letter-spacing: 0.05pt;"> </span>11,
j<span style="letter-spacing: 0.05pt;">i</span>l<span style="letter-spacing: 0.05pt;">i</span>d
2.<span style="letter-spacing: -0.1pt;"> </span><span style="letter-spacing: 0.1pt;">J</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rta<span style="letter-spacing: -0.05pt;"> </span>: Erl<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;">g</span>a</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 3.95pt; margin-top: 0cm; margin: 0cm 3.95pt 0cm 1cm; tab-stops: 125.0pt; text-align: justify; text-indent: -1cm;"><u><span lang="EN-US" style="font-size: 12pt;"> </span></u><span lang="EN-US" style="font-size: 12pt;">.<span style="letter-spacing: 1.3pt;"> </span>(200<span style="letter-spacing: -0.05pt;">7</span>)<span style="letter-spacing: 1.35pt;"> </span><i><span style="letter-spacing: 0.05pt;">L</span>i<span style="letter-spacing: 0.05pt;">f</span>e<span style="letter-spacing: -0.05pt;">-</span>span<span style="letter-spacing: 1.3pt;"> </span>d<span style="letter-spacing: -0.05pt;">eve</span>lopm<span style="letter-spacing: 0.05pt;">e</span>nt,<span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: -0.15pt;">(</span>3th<span style="letter-spacing: 1.35pt;"> </span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.15pt;">)</span></i>,<span style="letter-spacing: 1.3pt;"> </span>di<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.05pt;">e</span>rj<span style="letter-spacing: -0.05pt;">e</span>mah<span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 1.3pt;"> </span>oleh
<span style="letter-spacing: -0.1pt;">B</span><span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">e</span>d<span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.05pt;">c</span>t<span style="letter-spacing: 0.05pt;">i</span>ne
<span style="letter-spacing: 0.05pt;">W</span>i<span style="letter-spacing: 0.15pt;">d</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>sin<span style="letter-spacing: 0.05pt;">t</span>a<span style="letter-spacing: 0.1pt;"> </span>d<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.2pt;"> </span>judul<span style="letter-spacing: 0.1pt;"> p</span><span style="letter-spacing: -0.05pt;">e</span>rk<span style="letter-spacing: -0.1pt;">e</span>mba<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 0.15pt;"> </span>masa<span style="letter-spacing: 0.1pt;"> h</span>idup,<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>disi<span style="letter-spacing: 0.1pt;"> 1</span>3,
j<span style="letter-spacing: 0.05pt;">i</span>l<span style="letter-spacing: 0.05pt;">i</span>d
1.<span style="letter-spacing: -0.1pt;"> </span><span style="letter-spacing: 0.1pt;">J</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rta<span style="letter-spacing: -0.05pt;"> </span>: Erl<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.1pt;">g</span>a</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">S</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt;">c</span><span lang="EN-US" style="font-size: 12pt;">hul<span style="letter-spacing: 0.05pt;">t</span>z<span style="letter-spacing: 2.2pt;"> </span>&<span style="letter-spacing: 1.95pt;"> </span><span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">c</span>hul<span style="letter-spacing: 0.05pt;">t</span>z<span style="letter-spacing: 2.1pt;"> </span>(201<span style="letter-spacing: -0.05pt;">3</span>)<span style="letter-spacing: 0.1pt;">.</span><i><span style="letter-spacing: 0.05pt;">T</span>h<span style="letter-spacing: -0.05pt;">e</span>ories<span style="letter-spacing: 2.15pt;">
</span>of<span style="letter-spacing: 2.2pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>rsona<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.1pt;">i</span>ty</i>.<span style="letter-spacing: 2.15pt;">
</span>(10th<span style="letter-spacing: 2.15pt;"> </span><span style="letter-spacing: -0.05pt;">e</span>d).<span style="letter-spacing: 2.1pt;"> </span>USA:<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: 0.05pt;">W</span><span style="letter-spacing: -0.05pt;">a</span>dswo<span style="letter-spacing: -0.05pt;">r</span>th</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt;">C<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.05pt;">a</span>ge<span style="letter-spacing: 0.05pt;"> </span><span style="letter-spacing: -0.15pt;">L</span><span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.05pt;">a</span>rni<span style="letter-spacing: 0.1pt;">n</span>g</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 4.0pt; margin-top: 0cm; margin: 0cm 4pt 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">S</span><span lang="EN-US" style="font-size: 12pt;">i<span style="letter-spacing: 0.05pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>tupan<span style="letter-spacing: -0.15pt;">g</span>,<span style="letter-spacing: 2.5pt;"> </span>Ria<span style="letter-spacing: 2.6pt;"> </span><span style="letter-spacing: -0.05pt;">F</span>O.<span style="letter-spacing: 2.6pt;"> </span>(<span style="letter-spacing: 0.05pt;">2</span>014).<span style="letter-spacing: 2.45pt;"> </span>Hubu<span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 2.8pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>nta<span style="letter-spacing: 0.05pt;">r</span>a<span style="letter-spacing: 2.6pt;"> </span>k<span style="letter-spacing: -0.05pt;">ec</span>ur<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>g<span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>d<span style="letter-spacing: -0.05pt;">e</span>m<span style="letter-spacing: 0.05pt;">i</span>k<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.05pt;">a</span>n<span style="letter-spacing: 2.5pt;"> </span>t<span style="letter-spacing: 0.05pt;">i</span>pe ni<span style="letter-spacing: 0.05pt;">l</span><span style="letter-spacing: -0.05pt;">a</span>i<span style="letter-spacing: 0.1pt;"> </span>s<span style="letter-spacing: -0.05pt;">c</span>hw<span style="letter-spacing: -0.05pt;">a</span>rtz<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">a</span>da
<span style="letter-spacing: 0.15pt;">m</span><span style="letter-spacing: -0.05pt;">a</span>h<span style="letter-spacing: -0.05pt;">a</span>si<span style="letter-spacing: 0.05pt;">s</span>wa
univ<span style="letter-spacing: 0.1pt;">e</span>rsitas<span style="letter-spacing: 0.2pt;"> </span>indonesi<span style="letter-spacing: -0.05pt;">a</span>.<span style="letter-spacing: 0.05pt;"> </span><i><span style="letter-spacing: -0.05pt;">J</span>urna<span style="letter-spacing: 0.05pt;">l</span></i>.<span style="letter-spacing: 0.05pt;"> </span>D<span style="letter-spacing: -0.05pt;">e</span>pok<span style="letter-spacing: 0.15pt;"> </span>: Univ<span style="letter-spacing: -0.05pt;">e</span>rsitas<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.15pt;">I</span>ndon<span style="letter-spacing: -0.05pt;">e</span>sia.</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">S</span><span lang="EN-US" style="font-size: 12pt;">isw<span style="letter-spacing: 0.1pt;">o</span><span style="letter-spacing: -0.25pt;">y</span>o<i>, </i>Dwi.
(20<span style="letter-spacing: -0.05pt;">0</span>7).<span style="letter-spacing: 0.2pt;"> </span><span style="letter-spacing: -0.15pt;">I</span><span style="letter-spacing: 0.15pt;">l</span>mu<span style="letter-spacing: 0.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>ndid<span style="letter-spacing: 0.05pt;">i</span>k<span style="letter-spacing: -0.05pt;">a</span>n. Yo<span style="letter-spacing: 0.1pt;">g</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>k<span style="letter-spacing: 0.05pt;">a</span>rt<span style="letter-spacing: -0.05pt;">a</span>:
UNY<span style="letter-spacing: -0.05pt;"> </span><span style="letter-spacing: 0.05pt;">P</span>r<span style="letter-spacing: -0.1pt;">e</span>ss.</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p></div><div class="WordSection3">
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 1.45pt; margin: 1.45pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">S</span><span lang="EN-US" style="font-size: 12pt;">olo<span style="letter-spacing: 0.05pt;">m</span>on,<span style="letter-spacing: 1.05pt;"> </span>M<span style="letter-spacing: -0.1pt;">.</span>R.<span style="letter-spacing: 1.05pt;"> </span>(200<span style="letter-spacing: -0.05pt;">7</span>)<span style="letter-spacing: 1pt;"> </span><i>Consum<span style="letter-spacing: -0.05pt;">e</span>r<span style="letter-spacing: 1.1pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>ha<span style="letter-spacing: -0.05pt;">v</span>ior<span style="letter-spacing: 1.1pt;"> </span>:<span style="letter-spacing: 1.05pt;"> </span>bu<span style="letter-spacing: -0.05pt;">y</span>ing,<span style="letter-spacing: 1.1pt;"> </span>ha<span style="letter-spacing: -0.05pt;">v</span>ing,<span style="letter-spacing: 1.1pt;"> </span>and<span style="letter-spacing: 1.05pt;"> </span>b<span style="letter-spacing: -0.05pt;">e</span>ing<span style="letter-spacing: 1.1pt;"> </span><span style="letter-spacing: -0.15pt;">(</span>8th<span style="letter-spacing: 1.1pt;"> </span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: -0.15pt;">)</span></i>.</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt;">N<span style="letter-spacing: -0.05pt;">e</span>w
<span style="letter-spacing: 0.1pt;">J</span><span style="letter-spacing: -0.05pt;">e</span>rs<span style="letter-spacing: 0.15pt;">e</span><span style="letter-spacing: -0.25pt;">y</span>:
<span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">ea</span>rso<span style="letter-spacing: 0.05pt;">n</span><span style="letter-spacing: -0.05pt;">-</span><span style="letter-spacing: 0.05pt;">Pre</span>nt<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">c</span>e<span style="letter-spacing: -0.05pt;"> </span>H<span style="letter-spacing: -0.05pt;">a</span>l<span style="letter-spacing: 0.05pt;">l</span>.</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 3.9pt; margin-top: 0cm; margin: 0cm 3.9pt 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">S</span><span lang="EN-US" style="font-size: 12pt;">u<span style="letter-spacing: -0.1pt;">g</span><span style="letter-spacing: 0.15pt;">i</span><span style="letter-spacing: -0.25pt;">y</span>ono. <span style="letter-spacing: 2.15pt;"> </span>(201<span style="letter-spacing: 0.05pt;">7</span>). <span style="letter-spacing: 2.2pt;"> </span><i><span style="letter-spacing: -0.05pt;">M</span><span style="letter-spacing: 0.05pt;">e</span>tode <span style="letter-spacing: 2.1pt;"> </span>P<span style="letter-spacing: -0.05pt;">e</span>n<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>t<span style="letter-spacing: 0.05pt;">i</span>an <span style="letter-spacing: 2.2pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.1pt;">i</span>dikan <span style="letter-spacing: 2.1pt;"> </span>p<span style="letter-spacing: -0.05pt;">e</span>nd<span style="letter-spacing: -0.05pt;">ek</span>atan
<span style="letter-spacing: 2.15pt;"> </span><span style="letter-spacing: -0.05pt;">k</span>u<span style="letter-spacing: 0.1pt;">a</span>nt<span style="letter-spacing: 0.05pt;">i</span>ta<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: -0.05pt;">f</span>,
</i></span><i><span style="font-size: 12pt; mso-ansi-language: IN;"> k</span></i><i><span lang="EN-US" style="font-size: 12pt;">ual<span style="letter-spacing: 0.05pt;">i</span>ta<span style="letter-spacing: 0.05pt;">t</span>i<span style="letter-spacing: 0.05pt;">f</span>,<span style="letter-spacing: 0.05pt;"> </span>dan
<span style="letter-spacing: 0.1pt;">R</span><span style="letter-spacing: -0.35pt;">&</span>D</span></i><span lang="EN-US" style="font-size: 12pt;">.<span style="letter-spacing: 0.1pt;"> </span><span style="letter-spacing: -0.1pt;">B</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">n</span>dung<span style="letter-spacing: -0.1pt;"> </span>:
<span style="letter-spacing: 0.05pt;">C</span>V <span style="letter-spacing: -0.05pt;">A</span>lf<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">b</span><span style="letter-spacing: -0.05pt;">e</span>ta</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">S</span><span lang="EN-US" style="font-size: 12pt;">u<span style="letter-spacing: 0.05pt;">r</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">b</span>r<span style="letter-spacing: -0.1pt;">a</span>ta,
<span style="letter-spacing: 2.35pt;"> </span><span style="letter-spacing: 0.05pt;">S</span>umadi. <span style="letter-spacing: 2.25pt;"> </span>(<span style="letter-spacing: 0.05pt;">2</span>012).
<span style="letter-spacing: 2.35pt;"> </span><i>Psikologi <span style="letter-spacing: 2.3pt;"> </span><span style="letter-spacing: 0.05pt;">k</span><span style="letter-spacing: -0.05pt;">e</span>pribadian. <span style="letter-spacing: 2.35pt;"> </span></i><span style="letter-spacing: 0.1pt;">J</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rt<span style="letter-spacing: -0.05pt;">a</span>:
<span style="letter-spacing: 2.3pt;"> </span>R<span style="letter-spacing: -0.05pt;">a</span>ja <span style="letter-spacing: 2.35pt;"> </span>G<span style="letter-spacing: -0.05pt;">ra</span>findo</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">P</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt;">e</span><span lang="EN-US" style="font-size: 12pt;">rs<span style="letter-spacing: -0.05pt;">a</span>da<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: .8pt; margin: 0.8pt 0cm 0cm 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">S</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">ut<span style="letter-spacing: 0.15pt;">o</span><span style="letter-spacing: -0.35pt;">y</span>o,<span style="letter-spacing: 0.1pt;"> </span>An<span style="letter-spacing: -0.05pt;">w</span><span style="letter-spacing: 0.05pt;">a</span>r.
<span style="letter-spacing: -0.05pt;">(</span>2014<span style="letter-spacing: -0.05pt;">)</span>.<span style="letter-spacing: 0.2pt;"> </span><i>P<span style="letter-spacing: -0.05pt;">e</span>maha<span style="letter-spacing: -0.05pt;">m</span>an individu</i>. <span style="letter-spacing: 0.1pt;">Y</span>o<span style="letter-spacing: 0.1pt;">g</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.1pt;">k</span><span style="letter-spacing: -0.05pt;">a</span>rta:
<span style="letter-spacing: 0.05pt;">P</span>ustaka<span style="letter-spacing: -0.05pt;"> </span><span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: -0.05pt;">e</span>la<span style="letter-spacing: 0.1pt;">j</span><span style="letter-spacing: -0.05pt;">a</span>r</span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">V<span style="letter-spacing: -0.05pt;">a</span>nd<span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.1pt;">B</span>os,
<span style="letter-spacing: 3pt;"> </span>G.R. (<span style="letter-spacing: -0.05pt;">E</span>d<span style="letter-spacing: 0.05pt;">)</span>.
(201<span style="letter-spacing: -0.05pt;">5</span>). <span style="letter-spacing: 0.05pt;"> </span><i>APA dictionary
of ps<span style="letter-spacing: -0.05pt;">yc</span>hology</i>. (2th <span style="letter-spacing: -0.05pt;">e</span>d).</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN; text-indent: -1cm;"> </span><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt; text-indent: -1cm;">W</span><span lang="EN-US" style="font-size: 12pt; letter-spacing: -0.05pt; text-indent: -1cm;">a</span><span lang="EN-US" style="font-size: 12pt; text-indent: -1cm;">shin<span style="letter-spacing: -0.1pt;">g</span>ton
DC: Ame<span style="letter-spacing: -0.05pt;">r</span>i<span style="letter-spacing: 0.1pt;">c</span><span style="letter-spacing: -0.05pt;">a</span>n <span style="letter-spacing: 0.05pt;">P</span><span style="letter-spacing: 0.1pt;">s</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">c</span>hol<span style="letter-spacing: 0.15pt;">o</span><span style="letter-spacing: -0.1pt;">g</span>i<span style="letter-spacing: 0.1pt;">c</span><span style="letter-spacing: -0.05pt;">a</span>l
Associ<span style="letter-spacing: 0.05pt;">a</span>t<span style="letter-spacing: 0.05pt;">i</span>on</span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">W</span><span lang="EN-US" style="font-size: 12pt;">hi<span style="letter-spacing: 0.05pt;">t</span>n<span style="letter-spacing: 0.05pt;">e</span><span style="letter-spacing: -0.35pt;">y</span>,
<span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.1pt;">B</span>.E. <span style="letter-spacing: 0.2pt;"> </span>&
<span style="letter-spacing: 0.05pt;">S</span>pi<span style="letter-spacing: 0.1pt;">e</span>g<span style="letter-spacing: -0.05pt;">e</span>l, <span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: 0.05pt;">P</span>.K. <span style="letter-spacing: 0.1pt;"> </span>(200<span style="letter-spacing: -0.05pt;">2</span>).
<span style="letter-spacing: 0.25pt;"> </span><i>A<span style="letter-spacing: -0.05pt;">c</span>a<span style="letter-spacing: 0.1pt;">d</span><span style="letter-spacing: 0.05pt;">e</span>mic
<span style="letter-spacing: 0.05pt;"> </span>dishon<span style="letter-spacing: -0.05pt;">e</span>sty <span style="letter-spacing: 0.1pt;"> </span>: <span style="letter-spacing: 0.05pt;"> </span>an <span style="letter-spacing: 0.25pt;"> </span><span style="letter-spacing: -0.05pt;">e</span><span style="letter-spacing: 0.1pt;">d</span>u<span style="letter-spacing: -0.05pt;">c</span>ator’s</i></span><i><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span></i><i><span lang="EN-US" style="font-size: 12pt;">guide</span></i><span lang="EN-US" style="font-size: 12pt;">. USA:<span style="letter-spacing: 0.15pt;"> </span><span style="letter-spacing: -0.15pt;">L</span><span style="letter-spacing: -0.05pt;">a</span>w<span style="letter-spacing: -0.05pt;">re</span><span style="letter-spacing: 0.1pt;">n</span><span style="letter-spacing: -0.05pt;">c</span>e<span style="letter-spacing: -0.05pt;"> </span><span style="letter-spacing: 0.1pt;">E</span>rlb<span style="letter-spacing: -0.05pt;">a</span>um
Associ<span style="letter-spacing: -0.05pt;">a</span>tes<span style="letter-spacing: 0.1pt;">,</span><span style="letter-spacing: -0.15pt;">I</span><span style="letter-spacing: 0.1pt;">n</span>c</span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt; letter-spacing: 0.05pt;">W</span><span lang="EN-US" style="font-size: 12pt;">i<span style="letter-spacing: 0.05pt;">ja</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: -0.05pt;">a</span>nt<span style="letter-spacing: 0.05pt;">i</span>,<span style="letter-spacing: 2.05pt;"> </span>D.M.<span style="letter-spacing: 2.1pt;"> </span>(201<span style="letter-spacing: -0.05pt;">7</span>).<span style="letter-spacing: 2.25pt;"> </span><i><span style="letter-spacing: -0.3pt;">W</span>ajah<span style="letter-spacing: 2.05pt;"> </span>bop<span style="letter-spacing: -0.05pt;">e</span>ng<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: 0.1pt;">p</span><span style="letter-spacing: -0.05pt;">e</span>ndid<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">k</span>an<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -0.05pt;">k</span>i<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: 0.1pt;">a</span></i>.<span style="letter-spacing: 2.05pt;"> </span>Diunduh<span style="letter-spacing: 2.05pt;">
</span>p<span style="letter-spacing: -0.05pt;">a</span>da<span style="letter-spacing: 2.15pt;"> </span>tangg<span style="letter-spacing: -0.05pt;">a</span>l</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt;">15<span style="letter-spacing: 0.05pt;">S</span><span style="letter-spacing: -0.05pt;">e</span>ptemb<span style="letter-spacing: -0.05pt;">e</span>r
<span style="letter-spacing: 1.85pt;"> </span>2017
<span style="letter-spacing: 1.9pt;"> </span>d<span style="letter-spacing: -0.05pt;">a</span>ri
</span><span lang="EN-US"><a href="https://beritagar.id/artikel/telatah/wajah-bopeng-pendidikan-kita"><i><span color="windowtext" style="font-size: 12pt;">ht<span style="letter-spacing: 0.05pt;">t</span>ps://beritagar.i<span style="letter-spacing: -0.1pt;">d</span>/ar<span style="letter-spacing: 0.05pt;">t</span><span style="letter-spacing: -0.1pt;">i</span><span style="letter-spacing: -0.05pt;">ke</span>l<span style="letter-spacing: 0.05pt;">/</span>telatah<span style="letter-spacing: 0.05pt;">/</span>waja<span style="letter-spacing: 0.15pt;">h</span><span style="letter-spacing: -0.05pt;">-</span>bop<span style="letter-spacing: -0.05pt;">e</span>ng</span></i></a><i><u><span style="font-size: 12pt;">-</span></u></i><i><span style="font-size: 12pt;"> </span></i><a href="https://beritagar.id/artikel/telatah/wajah-bopeng-pendidikan-kita"><i><span color="windowtext" style="font-size: 12pt;">p<span style="letter-spacing: -0.05pt;">e</span>ndid<span style="letter-spacing: 0.05pt;">i</span><span style="letter-spacing: -0.05pt;">k</span>an-<span style="letter-spacing: -0.05pt;">k</span>i<span style="letter-spacing: 0.05pt;">t</span></span></i></a><i><u><span style="font-size: 12pt;">a</span></u></i></span><span style="font-size: 12pt; text-indent: -1cm;"> </span></p>
<p class="MsoNormal" style="margin-left: 1cm; text-align: justify; text-indent: -1cm;"><span lang="EN-US" style="font-size: 12pt;">Yusu<span style="letter-spacing: -0.05pt;">f</span>,<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: 0.15pt;">S</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>msu.<span style="letter-spacing: 2.4pt;"> </span>(201<span style="letter-spacing: -0.05pt;">0</span>).<span style="letter-spacing: 2.55pt;"> </span><i><span style="letter-spacing: 0.05pt;">L</span>andasan<span style="letter-spacing: 2.4pt;"> </span>bimbingan<span style="letter-spacing: 2.4pt;">
</span>dan<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: -0.05pt;">k</span>ons<span style="letter-spacing: -0.05pt;">e</span>l<span style="letter-spacing: 0.05pt;">i</span>n<span style="letter-spacing: 0.05pt;">g</span>.<span style="letter-spacing: 2.4pt;"> </span></i><span style="letter-spacing: 0.1pt;">J</span><span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span>rta<span style="letter-spacing: 2.35pt;"> </span>:<span style="letter-spacing: 2.65pt;"> </span>R<span style="letter-spacing: -0.05pt;">e</span>maja</span><span lang="EN-US" style="font-size: 12pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12pt;">Rosd<span style="letter-spacing: -0.05pt;">a</span>k<span style="letter-spacing: -0.05pt;">a</span><span style="letter-spacing: 0.2pt;">r</span><span style="letter-spacing: -0.25pt;">y</span>a<o:p></o:p></span></p>
</div><p>
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="break-before: page; mso-break-type: section-break; page-break-before: always;" />
</span>
</p><p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></p><p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></p><p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></p><p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></p><p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></p><p class="MsoNormal" style="line-height: 200%; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; margin: 0.5pt 3.85pt 0cm 0cm; text-align: justify; text-indent: 18pt;"><span style="font-size: 12pt; line-height: 200%; mso-ansi-language: IN;"> </span></p><p>
</p><div><!--[if !supportFootnotes]--><br clear="all" />
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<!--[endif]-->
<div id="ftn1">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref1" name="_ftn1" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> Su<span style="letter-spacing: 0.2pt;">r</span><span style="letter-spacing: -0.25pt;">y</span><span style="letter-spacing: 0.05pt;">a</span>br<span style="letter-spacing: -0.1pt;">a</span><span style="letter-spacing: 0.15pt;">t</span><span style="letter-spacing: -0.05pt;">a</span>,<span style="letter-spacing: 0.05pt;"> </span>2012</span>, h. <span lang="EN-US">190</span><o:p></o:p></p>
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<div id="ftn2">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref2" name="_ftn2" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span><i>Ibid<o:p></o:p></i></p>
</div>
<div id="ftn3">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref3" name="_ftn3" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Fiest, 2008, h.84<o:p></o:p></p>
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<div id="ftn4">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref4" name="_ftn4" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> <span style="letter-spacing: 0.05pt;">Sc</span>hul<span style="letter-spacing: 0.05pt;">t</span>z</span>, 2013, h.119<o:p></o:p></p>
</div>
<div id="ftn5">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref5" name="_ftn5" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[5]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Kotler, 2015, h.157<o:p></o:p></p>
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<div id="ftn6">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref6" name="_ftn6" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[6]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Peter and Olson, 2010,
h.257<o:p></o:p></p>
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<div id="ftn7">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref7" name="_ftn7" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[7]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Yanden Bos, 2015, h.487<o:p></o:p></p>
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<div id="ftn8">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref8" name="_ftn8" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[8]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Solomon, 2007, h.259<o:p></o:p></p>
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<div id="ftn9">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref9" name="_ftn9" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[9]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Lopez, 2009, h. 473<o:p></o:p></p>
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<div id="ftn10">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref10" name="_ftn10" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[10]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>APA Dictionary Of
Psichology., 2015, h.487<o:p></o:p></p>
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<div id="ftn11">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref11" name="_ftn11" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[11]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Efendy, 2012, h.106<o:p></o:p></p>
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<div id="ftn12">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref12" name="_ftn12" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[12]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Kekes, 2008, h.4<o:p></o:p></p>
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<div id="ftn13">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref13" name="_ftn13" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[13]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Peter and Olson, <i>Op. Cit, </i>h.369<o:p></o:p></p>
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<div id="ftn14">
<p class="MsoFootnoteText" style="text-indent: 21.3pt;"><a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref14" name="_ftn14" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[14]</span></span><!--[endif]--></span></span></a><span lang="EN-US"> </span>Kotler, h.111<o:p></o:p></p>
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</div><div style="mso-element: footnote-list;"><div id="ftn14" style="mso-element: footnote;">
</div>
</div>LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-28203843119408145132020-06-28T02:29:00.002-07:002020-06-28T02:29:23.234-07:00copast!<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">COPAST DARI BERBAGAI web ^^</span></div>
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<span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">Semua isi silahkan dicek kembali apakah kutipan benar atau tidak karena saya pun tidak mengecek untuk file ini ^^</span></div>
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<span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"><br /></span></div>
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<span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">BAB II<o:p></o:p></span></div>
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<span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">LANDASAN TEORI<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">Gaya Hidup<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: 1.45pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">G<span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
hidup<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .15pt;"> </span>pr<span style="letter-spacing: .1pt;">i</span>nsip<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>dipa<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .3pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> </span>land<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>u<span style="letter-spacing: .1pt;">n</span>tuk mem<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>mi<span style="letter-spacing: 2.9pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: 2.85pt;"> </span>laku<span style="letter-spacing: 2.95pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.75pt;"> </span>mel<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>rb<span style="letter-spacing: -.1pt;">e</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: 2.9pt;"> </span>sif<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 2.9pt;"> </span>kh<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: 2.9pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu.<span style="letter-spacing: 2.9pt;"> </span>G<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a hidup<span style="letter-spacing: .15pt;">
</span>ju<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .2pt;"> </span>me<span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .35pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: .05pt;">i</span>mb<span style="letter-spacing: .05pt;">i</span>ng d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>hi<span style="letter-spacing: .15pt;">d</span>up<span style="letter-spacing: .1pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: .35pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>dip<span style="letter-spacing: .1pt;">e</span>r<span style="letter-spacing: .1pt;">j</span>u<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n te<span style="letter-spacing: -.05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: .05pt;">e</span>g<span style="letter-spacing: -.05pt;">a</span>la ma<span style="letter-spacing: -.05pt;">ca</span>m<span style="letter-spacing: .05pt;"> r</span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn1" name="_ftnref1" style="mso-footnote-id: ftn1;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></span></a><span style="letter-spacing: .05pt;"> S</span>u<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>b<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>ta
men<span style="letter-spacing: .1pt;">j</span><span style="letter-spacing: -.05pt;">e</span>lask<span style="letter-spacing: -.05pt;">a</span>n b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .15pt;"> </span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span>me<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">u</span>p<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> p</span><span style="letter-spacing: -.05pt;">e</span>mb<span style="letter-spacing: .05pt;">i</span>mb<span style="letter-spacing: .05pt;">i</span>ng <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>menj<span style="letter-spacing: -.05pt;">a</span>lani<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>hidu<span style="letter-spacing: .15pt;">p</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu
d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>dipe<span style="letter-spacing: -.05pt;">r</span>j<span style="letter-spacing: .15pt;">u</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>diwujudkan
<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>laku. <span style="letter-spacing: .1pt;">G</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .05pt;"> </span>juga
d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>mel<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;">a</span>rb<span style="letter-spacing: -.1pt;">e</span>la<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">s</span>if<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>kh<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu.<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">a</span>ma<span style="letter-spacing: .15pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>s
meng<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>hidup</span><span style="font-size: 12.0pt; letter-spacing: .1pt; line-height: 200%; mso-ansi-language: IN;">.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn2" name="_ftnref2" style="mso-footnote-id: ftn2;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; letter-spacing: .1pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></span></a></span><span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"><o:p></o:p></span></div>
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<i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">T</span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">he<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">c</span>ombinat<span style="letter-spacing: .05pt;">i</span>on<span style="letter-spacing: .1pt;"> </span>of su<span style="letter-spacing: -.05pt;">c</span>h<span style="letter-spacing: .1pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rd<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">e</span>nt<span style="letter-spacing: .1pt;"> </span>at<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .05pt;">t</span>ud<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">s</span>,<span style="letter-spacing: .1pt;"> </span>mann<span style="letter-spacing: -.05pt;">e</span>rs,<span style="letter-spacing: .1pt;"> </span>and<span style="letter-spacing: .1pt;"> </span>pat<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rns of a<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span>on<span style="letter-spacing: .05pt;"> </span>forms<span style="letter-spacing: .05pt;"> </span>what<span style="letter-spacing: .05pt;"> </span>I
<span style="letter-spacing: -.1pt;">a</span>m <span style="letter-spacing: -.05pt;">c</span>al<span style="letter-spacing: .05pt;">l</span>ing<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: .05pt;"> </span>style of<span style="letter-spacing: .05pt;">
</span>l<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.1pt;">f</span><span style="letter-spacing: .15pt;">e</span></span></i><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">.<span style="letter-spacing: .05pt;"> </span><i style="mso-bidi-font-style: normal;">It<span style="letter-spacing: .05pt;"> </span>is<span style="letter-spacing: .05pt;"> </span>an<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">ex</span>pr<span style="letter-spacing: -.05pt;">e</span>ss<span style="letter-spacing: .05pt;">i</span>on<span style="letter-spacing: .05pt;"> </span>of ind<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>idua<span style="letter-spacing: .05pt;">l</span>i<span style="letter-spacing: .05pt;">t</span>y<span style="letter-spacing: .05pt;"> </span>that<span style="letter-spacing: .15pt;"> </span>g<span style="letter-spacing: -.1pt;">u</span>i<span style="letter-spacing: -.1pt;">d</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .1pt;"> </span>how<span style="letter-spacing: .1pt;"> </span>one<span style="letter-spacing: .05pt;"> </span>wants to l<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>e<span style="letter-spacing: .05pt;"> </span>in<span style="letter-spacing: .1pt;"> </span>the<span style="letter-spacing: .05pt;"> </span>particul<span style="letter-spacing: -.1pt;">a</span>r
<span style="letter-spacing: -.05pt;">c</span>ircu<span style="letter-spacing: -.05pt;">m</span>stanc<span style="letter-spacing: -.05pt;">e</span>s that<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">o</span>nst<span style="letter-spacing: .15pt;">i</span>tu<span style="letter-spacing: .05pt;">t</span>e the <span style="letter-spacing: -.05pt;">c</span>onte<span style="letter-spacing: -.05pt;">x</span>t of<span style="letter-spacing: .05pt;"> </span>on<span style="letter-spacing: -.05pt;">e</span>’s <span style="letter-spacing: .1pt;">l</span>i<span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">e</span>.</i><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">T<span style="letter-spacing: -.05pt;">e</span>rj<span style="letter-spacing: -.05pt;">e</span>ma<span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lah b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span>wa<span style="letter-spacing: .15pt;"> </span>komb<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .1pt;"> </span>sik<span style="letter-spacing: .1pt;">a</span>p,</span><span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> c</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">r<span style="letter-spacing: -.1pt;">a</span>,<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>pola t<span style="letter-spacing: .05pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>disebut<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a hidu<span style="letter-spacing: .05pt;">p</span>.<span style="letter-spacing: .15pt;"> </span>G<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
hidup<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lah <span style="letter-spacing: .05pt;">e</span>kspr<span style="letter-spacing: -.05pt;">e</span>si ind<span style="letter-spacing: .05pt;">i</span>viduali<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
me<span style="letter-spacing: .1pt;">m</span>bi<span style="letter-spacing: .05pt;">m</span>bing
b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span>na<span style="letter-spacing: .05pt;"> </span>ind<span style="letter-spacing: .15pt;">i</span>vidu<span style="letter-spacing: .1pt;"> </span>in<span style="letter-spacing: -.1pt;">g</span>in<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">ea</span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n
te<span style="letter-spacing: -.05pt;">r</span>tentu <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;">
</span>memb<span style="letter-spacing: -.05pt;">e</span>ntuk <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>konteks
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>hidupan <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>.
<span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">K</span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>s <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>men<span style="letter-spacing: .1pt;">j</span><span style="letter-spacing: -.05pt;">e</span>lask<span style="letter-spacing: -.05pt;">a</span>n
b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span>mem<span style="letter-spacing: .1pt;">b</span>i<span style="letter-spacing: .05pt;">m</span>bing<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">ca</span><span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>v<span style="letter-spacing: -.1pt;">i</span>du<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>wujud<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">a</span>m<span style="letter-spacing: .15pt;"> </span>sikap, <span style="letter-spacing: -.05pt;">ca</span>ra<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n pola tindak<span style="letter-spacing: -.05pt;">a</span>n.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">P</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 2.9pt;"> </span>me<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>i<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.1pt;">y</span>a<span style="letter-spacing: 2.8pt;"> </span>hidup<span style="mso-spacerun: yes;"> </span>menu<span style="letter-spacing: -.05pt;">r</span>ut
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">F</span>iest <a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn3" name="_ftnref3" style="mso-footnote-id: ftn3;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></span></a><span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lah</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .5pt;"> </span><span style="letter-spacing: -.05pt;">“</span>s<i style="mso-bidi-font-style: normal;">tyle<span style="letter-spacing: .4pt;"> </span>of<span style="letter-spacing: .6pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>fe<span style="letter-spacing: .45pt;"> </span>is<span style="letter-spacing: .5pt;"> </span>t<span style="letter-spacing: .15pt;">h</span>e<span style="letter-spacing: .4pt;"> </span>term<span style="letter-spacing: .55pt;"> </span>Adl<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .5pt;"> </span>us<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .6pt;"> </span>to<span style="letter-spacing: .5pt;"> </span>r<span style="letter-spacing: -.05pt;">e</span>f<span style="letter-spacing: .1pt;">e</span>r<span style="letter-spacing: .5pt;"> </span>to<span style="letter-spacing: .5pt;"> </span>the<span style="letter-spacing: .45pt;"> </span>f<span style="letter-spacing: .05pt;">l</span>a<span style="letter-spacing: -.05pt;">v</span>or<span style="letter-spacing: .5pt;"> </span>of<span style="letter-spacing: .6pt;"> </span>a<span style="letter-spacing: .45pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>rs<span style="letter-spacing: .15pt;">o</span>n’s<span style="letter-spacing: .45pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>fe.</i></span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">It<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .35pt;"><span style="mso-spacerun: yes;"> </span></span>includ<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>rson’s<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">g</span>oal,<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .2pt;">f</span><span style="letter-spacing: -.05pt;">-c</span>on<span style="letter-spacing: -.05pt;">ce</span>pt,<span style="letter-spacing: .1pt;"> </span>f<span style="letter-spacing: .1pt;">e</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>ngs<span style="letter-spacing: .05pt;"> </span>for<span style="letter-spacing: .1pt;"> </span>others,<span style="letter-spacing: .05pt;"> </span>and<span style="letter-spacing: .05pt;"> </span>at<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .05pt;">t</span>ude to<span style="letter-spacing: .05pt;">w</span>ard
the<span style="letter-spacing: .05pt;"> </span>worl<span style="letter-spacing: .05pt;">d”</span>.<span style="letter-spacing: .1pt;"> </span></span></i><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">A<span style="letter-spacing: -.05pt;">r</span>ti d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>jem<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa
<span style="letter-spacing: .15pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>hidup<span style="letter-spacing: .1pt;"> </span>me<span style="letter-spacing: .05pt;">r</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n
is<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g di<span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>Adl<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .1pt;"> </span>untuk<span style="letter-spacing: .15pt;"> </span>menunjukk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>le<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">o</span>rang<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
men<span style="letter-spacing: -.05pt;">ca</span>kup<span style="letter-spacing: .1pt;"> </span>tu<span style="letter-spacing: .05pt;">j</span>u<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">ra</span>n<span style="letter-spacing: -.1pt;">g</span>,<span style="letter-spacing: .1pt;"> </span>kons<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: .1pt;"> </span>diri,<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .2pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .1pt;"> </span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
lain,<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>sikap te<span style="letter-spacing: -.05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .05pt;"> </span>dun<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.15pt;">L</span><span style="letter-spacing: -.05pt;">e</span>bih<span style="letter-spacing: .1pt;"> </span>l<span style="letter-spacing: .1pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">Sc</span>hul<span style="letter-spacing: .05pt;">t</span>z<span style="letter-spacing: .2pt;"> </span>menj<span style="letter-spacing: -.05pt;">e</span>lask<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">“</span><i style="mso-bidi-font-style: normal;">a unique<span style="letter-spacing: .05pt;"> </span>pat<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rn<span style="letter-spacing: .1pt;"> </span>of <span style="letter-spacing: -.05pt;">c</span>hara<span style="letter-spacing: -.05pt;">c</span>teris<span style="letter-spacing: .05pt;">t</span>ics,<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>ha<span style="letter-spacing: -.05pt;">v</span>ior<span style="letter-spacing: .05pt;">s</span>,<span style="letter-spacing: .1pt;"> </span>and<span style="letter-spacing: .1pt;"> </span>habi<span style="letter-spacing: .05pt;">t</span>s, which<span style="letter-spacing: .1pt;">
</span>Adl<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.15pt;">c</span>al<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">e</span>d
a dis<span style="letter-spacing: .05pt;">t</span>inctive <span style="letter-spacing: -.05pt;">c</span>hara<span style="letter-spacing: -.05pt;">c</span>ter,<span style="letter-spacing: .05pt;"> </span>or<span style="letter-spacing: .2pt;"> </span>style<span style="letter-spacing: .05pt;"> </span>of<span style="letter-spacing: .1pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>f<span style="letter-spacing: .1pt;">e</span><span style="letter-spacing: .05pt;">”</span>.<span style="letter-spacing: .1pt;"> </span></i>Arti<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;">a</span>m<span style="letter-spacing: .1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>jem<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah
b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: 2.8pt;"> </span>pola<span style="letter-spacing: 2.85pt;"> </span>kh<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: 2.9pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: 2.85pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>kt<span style="letter-spacing: .1pt;">e</span>rist<span style="letter-spacing: .05pt;">i</span>k,<span style="letter-spacing: 2.85pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku,<span style="letter-spacing: 2.85pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.85pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>bias<span style="letter-spacing: -.05pt;">aa</span>n <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.95pt;"> </span>Adl<span style="letter-spacing: -.05pt;">e</span>r<span style="mso-spacerun: yes;"> </span>s<span style="letter-spacing: -.05pt;">e</span>but
k<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>kt<span style="letter-spacing: .1pt;">e</span>r<span style="mso-spacerun: yes;"> </span>kh<span style="letter-spacing: -.05pt;">a</span>s <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>tau
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.1pt;">y</span>a <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>hidup. <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>Adl<span style="letter-spacing: -.05pt;">e</span>r<span style="mso-spacerun: yes;"> </span>me<span style="letter-spacing: .2pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span>utkan<span style="mso-spacerun: yes;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;">
</span>hid<span style="letter-spacing: .15pt;">u</span>p <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t di<span style="letter-spacing: .05pt;">l</span>ihat d<span style="letter-spacing: -.05pt;">a</span>ri
k<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>kt<span style="letter-spacing: .1pt;">e</span>rist<span style="letter-spacing: .05pt;">i</span>k,
p<span style="letter-spacing: -.05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku, d<span style="letter-spacing: -.05pt;">a</span>n j<span style="letter-spacing: .15pt;">u</span><span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>bia<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">aa</span>n.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn4" name="_ftnref4" style="mso-footnote-id: ftn4;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">Kotler “<i style="mso-bidi-font-style: normal;"><span style="color: #221f1f;">A<span style="letter-spacing: .05pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>f<span style="letter-spacing: .1pt;">e</span>style<span style="letter-spacing: .05pt;"> </span>is<span style="letter-spacing: .1pt;"> </span>a<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>rson’s<span style="letter-spacing: .05pt;">
</span>pat<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rn<span style="letter-spacing: .1pt;"> </span>of<span style="letter-spacing: .1pt;"> </span>l<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>ing<span style="letter-spacing: .1pt;"> </span>in<span style="letter-spacing: .1pt;"> </span>the<span style="letter-spacing: .05pt;"> </span>world<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">a</span>s
<span style="letter-spacing: -.05pt;">ex</span>pr<span style="letter-spacing: -.05pt;">e</span>ssed<span style="letter-spacing: .1pt;"> </span>in a<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>i<span style="letter-spacing: .05pt;">t</span>ies,<span style="letter-spacing: .1pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.05pt;">e</span>st<span style="letter-spacing: .05pt;">s</span>, and opin<span style="letter-spacing: .05pt;">i</span>ons”<span style="letter-spacing: .4pt;"> </span></span></i><span style="color: #221f1f; letter-spacing: -.25pt;">y</span><span style="color: #221f1f; letter-spacing: -.05pt;">a</span><span style="color: #221f1f; letter-spacing: .1pt;">n</span><span style="color: #221f1f;">g d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t d<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>rtik<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam
te<span style="letter-spacing: -.05pt;">r</span>jem<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">w</span>a<span style="letter-spacing: .05pt;"> </span>g</span><span style="color: black; letter-spacing: .2pt;">a</span><span style="color: black; letter-spacing: -.25pt;">y</span><span style="color: black;">a hidup<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .15pt;"> </span>pola<span style="letter-spacing: .05pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>ksi<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g diun<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n d<span style="letter-spacing: -.05pt;">a</span>lam
k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>iat<span style="letter-spacing: -.05pt;">a</span>n, m<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t,<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn5" name="_ftnref5" style="mso-footnote-id: ftn5;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[5]</span></span><!--[endif]--></span></span></a>
G<span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span>hidup mengg<span style="letter-spacing: -.05pt;">a</span>mba<span style="letter-spacing: -.05pt;">r</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span>si ind<span style="letter-spacing: .05pt;">i</span>vidu
d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n l<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span>un<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .1pt;">K</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>iat<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t
d<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t ini<span style="letter-spacing: .05pt;"> </span>me<span style="letter-spacing: .1pt;">n</span>gg<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;">b</span><span style="letter-spacing: -.05pt;">a</span>rk<span style="letter-spacing: -.1pt;">a</span>n in<span style="letter-spacing: .05pt;">te</span>r<span style="letter-spacing: -.1pt;">a</span>ksi ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">a</span>ma
h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>Olson<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa <span style="letter-spacing: .05pt;">“</span><i style="mso-bidi-font-style: normal;">li<span style="letter-spacing: .05pt;">f</span>e
style<span style="letter-spacing: .05pt;"> </span>is<span style="letter-spacing: .2pt;"> </span>the mann<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: 1.7pt;"> </span>in<span style="letter-spacing: 1.7pt;"> </span>which<span style="letter-spacing: 1.65pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>ople<span style="letter-spacing: 1.65pt;"> </span><span style="letter-spacing: -.05pt;">c</span>ondu<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: 1.7pt;"> </span>their<span style="letter-spacing: 1.7pt;"> </span>l<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">ve</span>s,<span style="letter-spacing: 1.7pt;"> </span>including<span style="letter-spacing: 1.7pt;"> </span>their<span style="letter-spacing: 1.7pt;"> </span>a<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>i<span style="letter-spacing: .05pt;">t</span>ies,<span style="letter-spacing: 1.65pt;"> </span>i<span style="letter-spacing: -.1pt;">n</span>ter<span style="letter-spacing: -.05pt;">e</span>st<span style="letter-spacing: .05pt;">s</span>,
and opin<span style="letter-spacing: .05pt;">i</span>ons<span style="letter-spacing: .05pt;">”</span>.<span style="letter-spacing: .05pt;"> </span></i>T<span style="letter-spacing: -.05pt;">e</span>rj<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .1pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n
b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">i</span>mat
ini<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>hidup m<span style="letter-spacing: .1pt;">e</span>rupak<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span>ra s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .15pt;"> </span>menj<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>ni<span style="letter-spacing: .15pt;"> </span>hidup<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rm<span style="letter-spacing: -.05pt;">a</span>suk<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: .1pt;">d</span>i<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span>k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>iat<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: .15pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .3pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n opini<span style="letter-spacing: .1pt;">
</span>me<span style="letter-spacing: -.05pt;">re</span>k<span style="letter-spacing: -.05pt;">a</span>.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn6" name="_ftnref6" style="mso-footnote-id: ftn6;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[6]</span></span><!--[endif]--></span></span></a><span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>Olson<span style="letter-spacing: .05pt;"> </span>menj<span style="letter-spacing: -.05pt;">e</span>lask<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span>wa k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>iat<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t ind<span style="letter-spacing: .05pt;">i</span>vidu
<span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah
<span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .35pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>ri <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">ca</span><span style="letter-spacing: .05pt;">r</span>a <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">o</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>m <span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span>menj<span style="letter-spacing: -.05pt;">a</span>la<span style="letter-spacing: .2pt;">n</span>i <span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span>hidup. <span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>hingga</span></span><span lang="EN-US" style="color: black; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b<span style="letter-spacing: -.05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span>na<span style="letter-spacing: 1.85pt;"> </span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 1.75pt;"> </span>hidup<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: .15pt;">i</span>ndiv<span style="letter-spacing: .05pt;">i</span>du<span style="letter-spacing: 1.8pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 1.8pt;"> </span>di<span style="letter-spacing: .05pt;">l</span>ihat<span style="letter-spacing: 1.8pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: 1.95pt;"> </span>k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>iat<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: 1.8pt;"> </span>m<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 1.8pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t
ind<span style="letter-spacing: .05pt;">i</span>vidu <span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rs<span style="letter-spacing: -.05pt;">e</span>but.</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">e</span>finisi
<span style="letter-spacing: .75pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">l<span style="letter-spacing: .05pt;">i</span>fest<span style="letter-spacing: -.05pt;">y</span>le <span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span></i><span style="letter-spacing: -.05pt;">a</span>tau
<span style="letter-spacing: .7pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span>hidup <span style="letter-spacing: .75pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lam <span style="letter-spacing: .8pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">APA
<span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span>Di<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span>onary
<span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">o</span>f</i></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">Ps<span style="letter-spacing: -.05pt;">yc</span>hology S<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">c</span>ond
Edition<span style="letter-spacing: .1pt;"> </span></span></i><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">d<span style="letter-spacing: -.05pt;">a</span>lah</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">the<span style="letter-spacing: 2.95pt;"> </span>typi<span style="letter-spacing: -.05pt;">c</span>al<span style="mso-spacerun: yes;"> </span>way <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>of<span style="mso-spacerun: yes;">
</span>l<span style="letter-spacing: .05pt;">i</span>fe <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>or<span style="mso-spacerun: yes;"> </span>mann<span style="letter-spacing: -.05pt;">e</span>r<span style="mso-spacerun: yes;"> </span>of <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>l<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>ing <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>that<span style="mso-spacerun: yes;">
</span>is<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">c</span>hara<span style="letter-spacing: -.05pt;">c</span>teris<span style="letter-spacing: .05pt;">t</span>ic<span style="letter-spacing: 2.95pt;"> </span>of
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>an
ind<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>idual<span style="letter-spacing: 2.8pt;"> </span>or<span style="letter-spacing: 2.75pt;"> </span>group,<span style="letter-spacing: 2.75pt;"> </span>as<span style="letter-spacing: 2.75pt;"> </span><span style="letter-spacing: -.05pt;">ex</span>pr<span style="letter-spacing: -.05pt;">e</span>ssed<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: .1pt;">b</span>y<span style="letter-spacing: 2.7pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: .1pt;">a</span><span style="letter-spacing: -.05pt;">v</span>ior<span style="letter-spacing: .05pt;">s</span>,<span style="letter-spacing: 2.75pt;"> </span>at<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .05pt;">t</span>ud<span style="letter-spacing: -.05pt;">e</span>s,<span style="letter-spacing: 2.75pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.05pt;">e</span>st<span style="letter-spacing: .05pt;">s</span>,<span style="letter-spacing: 2.75pt;"> </span>and other<span style="letter-spacing: .05pt;"> </span>factor.<span style="letter-spacing: .1pt;"> </span>In<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: .15pt;">h</span>e
ind<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">v</span>idual<span style="letter-spacing: .1pt;"> </span>ps<span style="letter-spacing: -.05pt;">yc</span>hology<span style="letter-spacing: .15pt;"> </span>of<span style="letter-spacing: .1pt;"> </span>Alf<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .05pt;"> </span>adler,<span style="letter-spacing: .05pt;"> </span>an<span style="letter-spacing: .2pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>idua<span style="letter-spacing: .05pt;">l</span>’s
<span style="letter-spacing: -.05pt;">c</span>hara<span style="letter-spacing: -.05pt;">c</span>teris<span style="letter-spacing: .05pt;">t</span>ic<span style="letter-spacing: .1pt;"> </span>way<span style="letter-spacing: .1pt;"> </span>of<span style="letter-spacing: .15pt;"> </span>o<span style="letter-spacing: -.05pt;">ve</span>r<span style="letter-spacing: -.05pt;">c</span>oming<span style="letter-spacing: .15pt;"> </span>or<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">c</span>om<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nsating<span style="letter-spacing: .3pt;"> </span>for<span style="letter-spacing: .15pt;"> </span>fe<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>ngs
of inadequa<span style="letter-spacing: -.05pt;">cy</span>.<span style="letter-spacing: 2.5pt;"> </span>A<span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">c</span>ording<span style="letter-spacing: 2.5pt;">
</span>to<span style="letter-spacing: 2.55pt;"> </span>Adl<span style="letter-spacing: -.05pt;">e</span>r,<span style="letter-spacing: 2.5pt;"> </span>a<span style="letter-spacing: 2.5pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>fest<span style="letter-spacing: -.05pt;">y</span>le<span style="letter-spacing: 2.5pt;"> </span>is<span style="letter-spacing: 2.7pt;"> </span>f<span style="letter-spacing: -.1pt;">r</span>st<span style="letter-spacing: 2.55pt;"> </span>adopted<span style="letter-spacing: 2.5pt;">
</span>in<span style="letter-spacing: 2.55pt;"> </span><span style="letter-spacing: -.05pt;">c</span>hi<span style="letter-spacing: .05pt;">l</span>dhoo<span style="letter-spacing: -.1pt;">d</span>, wh<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: 1.65pt;"> </span>the<span style="letter-spacing: 1.65pt;"> </span><span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">e</span>y<span style="letter-spacing: 1.75pt;"> </span>factors<span style="letter-spacing: 1.7pt;">
</span>in<span style="letter-spacing: .05pt;">f</span>orming<span style="letter-spacing: 1.8pt;"> </span>it<span style="letter-spacing: 1.7pt;"> </span>wi<span style="letter-spacing: .05pt;">l</span>l<span style="letter-spacing: 1.7pt;"> </span>be<span style="letter-spacing: 1.6pt;"> </span>g<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .15pt;">i</span>c<span style="letter-spacing: 1.6pt;"> </span><span style="letter-spacing: -.05pt;">e</span>ndowm<span style="letter-spacing: .05pt;">e</span>nt,<span style="letter-spacing: 1.7pt;"> </span>upbringing,
and in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rp<span style="letter-spacing: -.05pt;">e</span>rsonal<span style="letter-spacing: .05pt;"> </span>r<span style="letter-spacing: -.05pt;">e</span>la<span style="letter-spacing: .05pt;">t</span>ions <span style="letter-spacing: .05pt;">w</span>i<span style="letter-spacing: .05pt;">t</span>hin <span style="letter-spacing: .05pt;">t</span>he<span style="letter-spacing: -.05pt;"> </span>fami<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: .1pt;">y</span>.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn7" name="_ftnref7" style="mso-footnote-id: ftn7;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[7]</span></b></span><!--[endif]--></span></span></a>
</span></i><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">A<span style="letter-spacing: -.05pt;">r</span>ti<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>jem<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span>,<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;">a</span>h<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">ca</span>ra hidup<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tau<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .1pt;">r</span><span style="letter-spacing: .05pt;">a</span>n
d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .15pt;"> </span>hidup<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g m<span style="letter-spacing: .1pt;">e</span>rup<span style="letter-spacing: -.1pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>k<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rist<span style="letter-spacing: .05pt;">i</span>k<span style="letter-spacing: .15pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tau<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lo<span style="letter-spacing: .05pt;">m</span>po<span style="letter-spacing: .1pt;">k</span>,<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dieksp<span style="letter-spacing: -.05pt;">re</span>sikan<span style="letter-spacing: .05pt;"> </span>mel<span style="letter-spacing: -.05pt;">a</span>lui<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .15pt;"> </span>sikap,<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .1pt;">e</span>rt<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>f<span style="letter-spacing: -.1pt;">a</span>kt<span style="letter-spacing: .15pt;">o</span>r
lain<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .35pt;"> </span>M<span style="letter-spacing: -.05pt;">e</span>nurut
<span style="letter-spacing: .05pt;">P</span>siko<span style="letter-spacing: .05pt;">l</span>o<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .15pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidual<span style="letter-spacing: .15pt;"> </span>oleh Alf<span style="letter-spacing: -.05pt;">re</span>d<span style="letter-spacing: .15pt;"> </span>Adl<span style="letter-spacing: -.05pt;">e</span>r,<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>kte<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .15pt;">s</span>t<span style="letter-spacing: .05pt;">i</span>k<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.05pt;">ca</span>ra<span style="letter-spacing: .05pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>v<span style="letter-spacing: .05pt;">i</span>du<span style="letter-spacing: .15pt;"> </span>men<span style="letter-spacing: -.15pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tau mengg<span style="letter-spacing: -.05pt;">a</span>nti<span style="letter-spacing: .1pt;"> </span>r<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .05pt;">i</span>d<span style="letter-spacing: -.05pt;">a</span>kmampu<span style="letter-spacing: -.05pt;">a</span>n.<span style="letter-spacing: .2pt;"> </span>M<span style="letter-spacing: .05pt;">e</span>nurut<span style="letter-spacing: .05pt;"> </span>Adl<span style="letter-spacing: -.05pt;">e</span>r, <span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>bu<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .2pt;"> </span>g<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .25pt;"> </span>hidup
p<span style="letter-spacing: -.05pt;">e</span>rt<span style="letter-spacing: -.05pt;">a</span>ma <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>li<span style="letter-spacing: .05pt;"> </span>di<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>p<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da ma<span style="letter-spacing: .1pt;">s</span>a
k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">-</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k,<span style="letter-spacing: .15pt;"> </span>f<span style="letter-spacing: -.1pt;">a</span>ktor
ku<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">c</span>i<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>l
d<span style="letter-spacing: -.05pt;">a</span>ri k<span style="letter-spacing: -.05pt;">e</span>turun<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .05pt;">i</span>k,<span style="letter-spacing: .15pt;"> </span>pola
<span style="letter-spacing: -.05pt;">a</span>suh,<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>hubu<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rp<span style="letter-spacing: -.1pt;">e</span>rson<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>lua<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>.
<span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">e</span>rti<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>tel<span style="letter-spacing: -.05pt;">a</span>h
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>disamp<span style="letter-spacing: -.05pt;">a</span>ikan <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>te<span style="letter-spacing: -.05pt;">r</span>s<span style="letter-spacing: -.05pt;">e</span>but <span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span>men<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">w</span>a <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.1pt;">y</span>a <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>hidup <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>kte<span style="letter-spacing: -.05pt;">r</span>is<span style="letter-spacing: .05pt;">t</span>ik<span style="letter-spacing: .15pt;"> </span>kh<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g dieksp<span style="letter-spacing: -.05pt;">re</span>sikan<span style="letter-spacing: .15pt;"> </span>me<span style="letter-spacing: .1pt;">l</span><span style="letter-spacing: -.05pt;">a</span>lui<span style="letter-spacing: .15pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .15pt;"> </span>sikap,<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>te<span style="letter-spacing: -.05pt;">r</span>ta<span style="letter-spacing: -.05pt;">r</span>ikan
d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;">
</span>f<span style="letter-spacing: -.1pt;">a</span>ktor<span style="letter-spacing: .05pt;"> </span>lain<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">G</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .2pt;"> </span>sud<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a
s<span style="letter-spacing: .05pt;">e</span>jak masa k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .15pt;"> </span>di<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span>na
dipeng<span style="letter-spacing: -.05pt;">a</span>ruhi oleh <span style="letter-spacing: -.05pt;">b</span><span style="letter-spacing: .05pt;">e</span>rba<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>i
f<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">k</span>tor.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">S</span>olo<span style="letter-spacing: .05pt;">m</span>on<span style="letter-spacing: .25pt;"> </span>memi<span style="letter-spacing: .05pt;">l</span>iki<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g b<span style="letter-spacing: .05pt;">e</span>rb<span style="letter-spacing: -.1pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .05pt;">a</span>, menu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>“<i style="mso-bidi-font-style: normal;">l<span style="color: #221f1f;">i<span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">e</span>style d<span style="letter-spacing: .05pt;">e</span>f<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: .05pt;"> </span>pat<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rn<span style="letter-spacing: .05pt;"> </span>of<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">c</span>onsumption<span style="letter-spacing: .05pt;"> </span>that<span style="letter-spacing: .05pt;"> </span>r<span style="letter-spacing: -.05pt;">e</span>f<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">ec</span>ts<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>rson’s <span style="letter-spacing: -.05pt;">c</span>hoic<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;"> </span>of<span style="letter-spacing: .1pt;"> </span>how<span style="letter-spacing: .1pt;"> </span>to<span style="letter-spacing: .1pt;"> </span>sp<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>d<span style="letter-spacing: .05pt;"> </span>his<span style="letter-spacing: .1pt;"> </span>or<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>me and<span style="letter-spacing: .2pt;"> </span>mon<span style="letter-spacing: -.05pt;">ey</span><span style="letter-spacing: .2pt;">.</span>”<span style="letter-spacing: .1pt;"> </span></span></i><span style="color: #221f1f;">A<span style="letter-spacing: -.05pt;">r</span>ti<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .15pt;">j</span><span style="letter-spacing: -.05pt;">e</span>mah<span style="letter-spacing: -.05pt;">a</span>n
b<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: 1.3pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 1.15pt;"> </span>h<span style="letter-spacing: .15pt;">i</span>dup<span style="letter-spacing: 1.05pt;"> </span>me<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .15pt;">b</span><span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.05pt;"> </span>po<span style="letter-spacing: .15pt;">l</span>a<span style="letter-spacing: 1.0pt;"> </span>konsumsi<span style="letter-spacing: 1.35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .95pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>refl<span style="letter-spacing: -.05pt;">e</span>ksikan</span></span><span lang="EN-US" style="color: #221f1f; font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="color: #221f1f; font-size: 12.0pt; line-height: 200%;">pi<span style="letter-spacing: .05pt;">l</span>ihan<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">ca</span><span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: .1pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>biskan<span style="letter-spacing: .25pt;">
</span>w<span style="letter-spacing: -.05pt;">a</span>ktu<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>u<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
di<span style="letter-spacing: .05pt;">m</span>i<span style="letter-spacing: .05pt;">l</span>ik<span style="letter-spacing: .05pt;">i</span>.<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: .05pt;">S</span>olo<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.1pt;">o</span>n m<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span>wa<span style="letter-spacing: .15pt;"> </span>g<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .25pt;"> </span>hidup<span style="letter-spacing: .05pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>di<span style="letter-spacing: .05pt;">l</span>ihat<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>a
pola konsumsi<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>di<span style="letter-spacing: .05pt;">m</span>i<span style="letter-spacing: .05pt;">l</span>iki
k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>na po<span style="letter-spacing: .15pt;">l</span>a
konsumsi<span style="letter-spacing: .1pt;"> </span>dia<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>refl<span style="letter-spacing: -.05pt;">e</span>ksik<span style="letter-spacing: .1pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">a</span>ra ind<span style="letter-spacing: .05pt;">i</span>vidu
<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>biskan<span style="letter-spacing: .1pt;"> </span>w<span style="letter-spacing: -.05pt;">a</span>ktu
dan u<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>di<span style="letter-spacing: .05pt;">l</span>i<span style="letter-spacing: .05pt;">m</span>ik<span style="letter-spacing: .05pt;">i</span>.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn8" name="_ftnref8" style="mso-footnote-id: ftn8;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="color: #221f1f; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[8]</span></span><!--[endif]--></span></span></a></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">r<span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>ur<span style="letter-spacing: -.1pt;">a</span>ian <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>di <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>tas
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>maka<span style="mso-spacerun: yes;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>dis<span style="letter-spacing: .05pt;">i</span>mpu<span style="letter-spacing: .05pt;">l</span>k<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">a</span>hwa <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;"> </span>hid<span style="letter-spacing: .15pt;">u</span>p
<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .1pt;"> </span>pola<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .3pt;"> </span>sikap,<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">ca</span><span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>pola<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: .15pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g di<span style="letter-spacing: .05pt;">m</span>i<span style="letter-spacing: .05pt;">l</span>iki<span style="letter-spacing: .15pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu men<span style="letter-spacing: -.05pt;">ca</span>kup<span style="letter-spacing: .15pt;"> </span>tu<span style="letter-spacing: .05pt;">j</span>u<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .25pt;"> </span>kons<span style="letter-spacing: .05pt;">e</span>p<span style="letter-spacing: .15pt;"> </span>diri,<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .25pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .05pt;">a</span>p<span style="letter-spacing: .15pt;"> </span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>in<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>sikap<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rh<span style="letter-spacing: -.1pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p dunia<span style="letter-spacing: .2pt;">
</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g diu<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>kt<span style="letter-spacing: .05pt;">i</span>vi<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s,<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .3pt;">t</span>.<span style="letter-spacing: .2pt;"> </span>G<span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span>hidup me<span style="letter-spacing: -.05pt;">r</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: .1pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>k<span style="letter-spacing: .1pt;">s</span>i<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .05pt;"> </span>f<span style="letter-spacing: -.1pt;">a</span>ktor<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>turun<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .15pt;"> </span>pola <span style="letter-spacing: -.05pt;">a</span>suh,<span style="letter-spacing: .05pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
kr<span style="letter-spacing: -.1pt;">e</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">i</span>f<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>di<span style="letter-spacing: .05pt;">m</span>i<span style="letter-spacing: .05pt;">l</span>iki<span style="letter-spacing: .05pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .7pt; text-align: justify; text-indent: 18.0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">b</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">.<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: -.15pt;">P</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>g<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">r</span>tian Hedo<span style="letter-spacing: .05pt;">n</span>i<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.15pt;">me</span></span></b><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">D<span style="letter-spacing: -.05pt;">a</span>lam <i style="mso-bidi-font-style: normal;"><span style="letter-spacing: .05pt;">T</span>he<span style="letter-spacing: -.05pt;"> e</span>n<span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">yc</span>lopedia<span style="letter-spacing: .1pt;">
</span>of posi<span style="letter-spacing: .05pt;">t</span>ive<span style="letter-spacing: -.05pt;"> </span>ps<span style="letter-spacing: -.05pt;">yc</span>hology<span style="letter-spacing: .1pt;"> </span></i>d<span style="letter-spacing: .15pt;">i</span>s<span style="letter-spacing: -.05pt;">e</span>butkan b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">w</span>a<span style="letter-spacing: -.05pt;"> </span>:</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">T</span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">he<span style="letter-spacing: 1.05pt;"> </span>r<span style="letter-spacing: -.05pt;">e</span>la<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: 1.1pt;"> </span>term<span style="letter-spacing: 1.05pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>don<span style="letter-spacing: .15pt;">i</span>sm<span style="letter-spacing: 1.1pt;"> </span>is<span style="letter-spacing: 1.15pt;"> </span>the<span style="mso-spacerun: yes;"> </span>do<span style="letter-spacing: -.05pt;">c</span>tr<span style="letter-spacing: .05pt;">i</span>ne<span style="letter-spacing: 1.05pt;"> </span>that<span style="letter-spacing: 1.15pt;"> </span>pleasure<span style="letter-spacing: 1.05pt;">
</span>is<span style="letter-spacing: 1.15pt;"> </span>the<span style="letter-spacing: 1.1pt;"> </span>sole<span style="letter-spacing: 1.1pt;"> </span>good. Philosophi<span style="letter-spacing: -.05pt;">c</span>al<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donism<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.05pt;">c</span>la<span style="letter-spacing: .05pt;">i</span>ms<span style="letter-spacing: .05pt;"> </span>that<span style="letter-spacing: .1pt;"> </span>pleasure is<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">t</span>he moral<span style="letter-spacing: .1pt;"> </span>good,<span style="letter-spacing: .05pt;"> </span>sugg<span style="letter-spacing: -.05pt;">e</span>st<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.1pt;">n</span>g that<span style="letter-spacing: 1.1pt;"> </span>the<span style="letter-spacing: 1.05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>f<span style="letter-spacing: .05pt;">i</span>ni<span style="letter-spacing: .05pt;">t</span>ive<span style="letter-spacing: 1.0pt;"> </span>s<span style="letter-spacing: .1pt;">o</span><span style="letter-spacing: -.05pt;">c</span>ial<span style="letter-spacing: 1.1pt;"> </span>norm<span style="letter-spacing: 1.05pt;"> </span>is<span style="letter-spacing: 1.1pt;"> </span>to<span style="letter-spacing: 1.2pt;"> </span>pro<span style="letter-spacing: -.05pt;">v</span>ide<span style="letter-spacing: 1.15pt;"> </span>the<span style="letter-spacing: 1.15pt;"> </span>gr<span style="letter-spacing: -.05pt;">e</span>atest<span style="letter-spacing: 1.1pt;"> </span>amount<span style="letter-spacing: 1.05pt;"> </span>of<span style="letter-spacing: 1.1pt;"> </span>p<span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">e</span>a<span style="letter-spacing: .1pt;">s</span>ure for <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>the <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>gr<span style="letter-spacing: -.05pt;">e</span>atest
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>numb<span style="letter-spacing: -.2pt;">e</span>r <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>of <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: .05pt;">e</span>ople.
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>Ps<span style="letter-spacing: -.05pt;">yc</span>holog<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">c</span>al <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>h<span style="letter-spacing: -.05pt;">e</span>donism
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>holds<span style="mso-spacerun: yes;"> </span>t<span style="letter-spacing: -.1pt;">h</span>at
<span style="letter-spacing: -.05pt;">eve</span>r<span style="letter-spacing: -.05pt;">y</span>o<span style="letter-spacing: .1pt;">n</span>e aims<span style="letter-spacing: .05pt;"> </span>only<span style="letter-spacing: .05pt;"> </span>at<span style="letter-spacing: .1pt;"> p</span>leasure as<span style="letter-spacing: .05pt;"> </span>the<span style="letter-spacing: .05pt;"> </span>ul<span style="letter-spacing: .05pt;">t</span>imate<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>nd,<span style="letter-spacing: .05pt;"> </span>and<span style="letter-spacing: .05pt;"> </span>that<span style="letter-spacing: .1pt;"> </span>at<span style="letter-spacing: .1pt;"> </span>any giv<span style="letter-spacing: -.05pt;">e</span>n
mo<span style="letter-spacing: -.05pt;">me</span>nt<span style="letter-spacing: .1pt;"> </span>the<span style="letter-spacing: .1pt;">r</span>e is<span style="letter-spacing: .1pt;"> </span>an<span style="letter-spacing: .15pt;"> </span>ord<span style="letter-spacing: -.05pt;">e</span>ring<span style="letter-spacing: .1pt;"> </span>of<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">ve</span>nts<span style="letter-spacing: .1pt;"> </span>along<span style="letter-spacing: .1pt;"> </span>a<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">c</span>ont<span style="letter-spacing: .05pt;">i</span>nuum<span style="letter-spacing: .05pt;"> </span>of<span style="letter-spacing: .1pt;"> h</span><span style="letter-spacing: -.05pt;">e</span>donic<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">t</span>one ranging<span style="letter-spacing: .7pt;"> </span>from<span style="letter-spacing: .7pt;"> </span><span style="letter-spacing: -.05pt;">ve</span>ry<span style="letter-spacing: .65pt;"> </span>a<span style="letter-spacing: -.05pt;">ve</span>rs<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>e<span style="letter-spacing: .65pt;"> </span>through<span style="letter-spacing: .7pt;"> </span>n<span style="letter-spacing: -.05pt;">e</span>utra<span style="letter-spacing: .05pt;">l</span>,<span style="letter-spacing: .7pt;"> </span>to<span style="letter-spacing: .6pt;"> </span><span style="letter-spacing: -.05pt;">ve</span>ry<span style="letter-spacing: .65pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>si<span style="letter-spacing: .05pt;">r</span>able.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn9" name="_ftnref9" style="mso-footnote-id: ftn9;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[9]</span></b></span><!--[endif]--></span></span></a><span style="letter-spacing: .9pt;"> </span></span></i><span lang="EN-US" style="font-size: 13.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">A<span style="letter-spacing: -.05pt;">r</span>ti d<span style="letter-spacing: -.05pt;">a</span>lam t<span style="letter-spacing: .1pt;">e</span>rj<span style="letter-spacing: -.05pt;">e</span>mah<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> b</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>s,<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donisme<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>doktrin
b<span style="letter-spacing: -.05pt;">a</span>hwa k<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah
s<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">u</span><span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .05pt;">a</span>ikan.<span style="letter-spacing: .1pt;"> </span>H<span style="letter-spacing: -.05pt;">e</span>donisme<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: .05pt;">a</span>ri
sudut<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g filosofis<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: .1pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>klaim b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .25pt;"> </span>mor<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">k</span>,<span style="letter-spacing: .15pt;"> </span>m<span style="letter-spacing: .1pt;">e</span>nunjukkan<span style="letter-spacing: .1pt;">
</span>b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .05pt;"> </span>n<span style="letter-spacing: .1pt;">o</span>rma<span style="letter-spacing: .1pt;"> </span>sos<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>l d<span style="letter-spacing: -.05pt;">e</span>finit<span style="letter-spacing: .05pt;">i</span>f <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah untuk<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>mbe<span style="letter-spacing: -.05pt;">r</span>ikan
k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rb<span style="letter-spacing: -.1pt;">e</span>s<span style="letter-spacing: .05pt;">a</span>r b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .25pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>. <span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">h</span><span style="letter-spacing: -.05pt;">e</span>donisme<span style="letter-spacing: .1pt;"> d</span><span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .05pt;"> </span>sudut<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
psik<span style="letter-spacing: .15pt;">o</span>lo<span style="letter-spacing: -.1pt;">g</span>is<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: .05pt;">e</span>rp<span style="letter-spacing: -.1pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">w</span>a
s<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>p or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g h<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>rtuju<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>untuk<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .35pt;"> </span>tu<span style="letter-spacing: .05pt;">j</span>u<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>khir.<span style="letter-spacing: .25pt;"> </span>B<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>d<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>rk<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">e</span>rti<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.75pt;"> </span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rs<span style="letter-spacing: -.05pt;">e</span>but<span style="letter-spacing: 2.75pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 2.75pt;"> </span>di<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>rik<span style="letter-spacing: 2.75pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>si<span style="letter-spacing: .05pt;">m</span>pulan<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: 2.7pt;"> </span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">e</span>donisme<span style="letter-spacing: 2.95pt;">
</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: 2.85pt;"> </span>doktrin</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">tau<span style="letter-spacing: 1.75pt;"> </span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: 1.8pt;"> </span>tu<span style="letter-spacing: .05pt;">j</span>u<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: 1.8pt;"> </span>hidup<span style="letter-spacing: 1.8pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: 1.8pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: 2.1pt;"> </span>untuk<span style="letter-spacing: 1.8pt;"> </span>memp<span style="letter-spacing: -.05pt;">e</span>ro<span style="letter-spacing: .1pt;">l</span><span style="letter-spacing: -.05pt;">e</span>h<span style="letter-spacing: 1.8pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n prib<span style="letter-spacing: -.05pt;">a</span>di
seb<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i <span style="letter-spacing: .05pt;">t</span>ujuan<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span>hir.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">D<span style="letter-spacing: -.05pt;">e</span>finisi<span style="letter-spacing: 2.05pt;">
</span>h<span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .1pt;">s</span>me<span style="letter-spacing: 2.0pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: 2.05pt;"> </span><i style="mso-bidi-font-style: normal;">APA<span style="letter-spacing: 2.0pt;"> </span>Di<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span>onary<span style="letter-spacing: 2.0pt;"> </span>of<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -.15pt;">P</span>s<span style="letter-spacing: -.05pt;">yc</span>hology<span style="letter-spacing: 2.0pt;"> </span>S<span style="letter-spacing: -.05pt;">ec</span>ond<span style="letter-spacing: 2.05pt;"> </span>Edit<span style="letter-spacing: .05pt;">i</span>on</i></span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span></i><span lang="EN-US" style="font-size: 13.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">d<span style="letter-spacing: -.05pt;">a</span>lah</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">in<span style="letter-spacing: .05pt;"> </span>phi<span style="letter-spacing: .05pt;">l</span>osoph<span style="letter-spacing: -.05pt;">y</span>,<span style="letter-spacing: .05pt;"> </span>the do<span style="letter-spacing: -.05pt;">c</span>tr<span style="letter-spacing: .15pt;">i</span>ne that<span style="letter-spacing: .05pt;">
</span>pleasure<span style="letter-spacing: .25pt;"> </span>is<span style="letter-spacing: .05pt;"> </span>an<span style="letter-spacing: .05pt;"> </span>i<span style="letter-spacing: .15pt;">n</span>tr<span style="letter-spacing: .05pt;">i</span>nsic
good<span style="letter-spacing: .05pt;"> </span>and<span style="letter-spacing: .05pt;"> </span>the pr<span style="letter-spacing: .1pt;">o</span>p<span style="letter-spacing: -.05pt;">e</span>r goal<span style="letter-spacing: .1pt;"> </span>of<span style="letter-spacing: .1pt;"> </span>all<span style="letter-spacing: .1pt;"> </span>human<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span>on.<span style="letter-spacing: .05pt;"> </span>One
of<span style="letter-spacing: .1pt;"> </span>the<span style="letter-spacing: .05pt;"> </span>fundam<span style="letter-spacing: -.05pt;">e</span>ntal<span style="letter-spacing: .2pt;"> </span>qu<span style="letter-spacing: -.05pt;">e</span>st<span style="letter-spacing: .05pt;">i</span>ons<span style="letter-spacing: .05pt;"> </span>of<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">e</span>th<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">c</span>s<span style="letter-spacing: .05pt;"> </span>has<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">ee</span>n wh<span style="letter-spacing: -.05pt;">e</span>ther<span style="letter-spacing: .1pt;"> </span>pleasure<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.05pt;">c</span>an<span style="letter-spacing: .1pt;"> </span>or<span style="letter-spacing: .15pt;"> </span>should<span style="letter-spacing: .1pt;"> </span>be<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>quated<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">w</span>i<span style="letter-spacing: -.05pt;">t</span>h<span style="letter-spacing: .1pt;"> </span>the<span style="letter-spacing: .1pt;"> </span>good<span style="letter-spacing: .3pt;"> </span>in th<span style="letter-spacing: .05pt;">i</span>s
wa<span style="letter-spacing: -.05pt;">y</span>.<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">I</span>n </span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"><span style="mso-spacerun: yes;"> </span></span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">s<span style="letter-spacing: -.05pt;">yc</span>hology,<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: .1pt;">n</span>y
theory<span style="letter-spacing: .1pt;"> </span>that<span style="letter-spacing: .1pt;"> </span>sugg<span style="letter-spacing: -.05pt;">e</span>sts<span style="letter-spacing: .1pt;"> </span>that<span style="letter-spacing: .1pt;"> </span>pleasure
and<span style="letter-spacing: .05pt;"> </span>the<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">a</span><span style="letter-spacing: -.05pt;">v</span>oidance<span style="letter-spacing: .1pt;">
</span>of<span style="letter-spacing: .1pt;"> p</span>ain are<span style="letter-spacing: -.05pt;"> </span>the only<span style="letter-spacing: -.05pt;">
</span>or the<span style="letter-spacing: -.05pt;"> </span>major<span style="letter-spacing: .1pt;"> </span>motivating <span style="letter-spacing: .05pt;">f</span>or<span style="letter-spacing: -.05pt;">ce</span>s in human b<span style="letter-spacing: -.05pt;">e</span>ha<span style="letter-spacing: -.05pt;">v</span>ior<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn10" name="_ftnref10" style="mso-footnote-id: ftn10;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[10]</span></b></span><!--[endif]--></span></span></a>.</span></i><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">A<span style="letter-spacing: -.05pt;">r</span>ti<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .05pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>je<span style="letter-spacing: .1pt;">m</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: .05pt;">e</span>finisi<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .15pt;">h</span><span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .05pt;">s</span>me
di<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tas<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .1pt;"> b</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span>wa b<span style="letter-spacing: -.05pt;">e</span>rd<span style="letter-spacing: -.1pt;">a</span>s<span style="letter-spacing: .05pt;">a</span>rk<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>sudut<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: .05pt;">a</span>ng
filosofi,<span style="letter-spacing: .1pt;"> h</span><span style="letter-spacing: -.05pt;">e</span>donis<span style="letter-spacing: .15pt;">m</span>e<span style="letter-spacing: .05pt;"> a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>j<span style="letter-spacing: .1pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>ikan<span style="letter-spacing: .2pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>kiki<span style="letter-spacing: .2pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>me<span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>tu<span style="letter-spacing: .05pt;">j</span>uan<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>tep<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .15pt;">u</span>a <span style="letter-spacing: .15pt;">t</span>indak<span style="letter-spacing: -.05pt;">a</span>n manusi<span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .15pt;"> </span>B<span style="letter-spacing: -.05pt;">e</span>rd<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>rk<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: .1pt;">u</span>dut<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
psikolo<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .05pt;">e</span>b<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>pa<span style="letter-spacing: .2pt;"> </span>teo<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .15pt;"> </span>me<span style="letter-spacing: .2pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa
k<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>hi<span style="letter-spacing: .15pt;">n</span>d<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>n
t<span style="letter-spacing: .1pt;">e</span>rh<span style="letter-spacing: -.1pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p <span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">e</span>rit<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n
me<span style="letter-spacing: -.05pt;">r</span>up<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n s<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;">u</span><span style="letter-spacing: -.05pt;">-</span>s<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tau mo<span style="letter-spacing: .05pt;">t</span>ivasi
utama<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g mendo<span style="letter-spacing: -.05pt;">r</span>o<span style="letter-spacing: .1pt;">n</span>g p<span style="letter-spacing: .05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .1pt;"> </span>manusi<span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .05pt;"> P</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">e</span>rti<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>di
<span style="letter-spacing: -.05pt;">a</span>tas mengg<span style="letter-spacing: -.05pt;">a</span>mba<span style="letter-spacing: -.05pt;">r</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">w</span>a<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donisme
me<span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.05pt;">a</span>ja<span style="letter-spacing: -.05pt;">ra</span>n<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">w</span>a k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span>hin<span style="letter-spacing: .15pt;">d</span><span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .25pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">e</span>rit<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .1pt;"> </span>mo<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .15pt;">v</span><span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .15pt;"> </span>utama<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
me<span style="letter-spacing: .1pt;">n</span>doro<span style="letter-spacing: -.05pt;">n</span>g p<span style="letter-spacing: -.05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .1pt;"> </span>manusi<span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">Pe</span>ril<span style="letter-spacing: .05pt;">a</span>ku<span style="letter-spacing: .1pt;"> </span>manusia<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>nut<span style="letter-spacing: .1pt;"> </span>f<span style="letter-spacing: -.1pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>m<span style="letter-spacing: .1pt;"> h</span><span style="letter-spacing: -.05pt;">e</span>donisme<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">i</span>ni<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n n<span style="letter-spacing: -.05pt;">a</span>mpak
m<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span>j<span style="letter-spacing: .1pt;">a</span>r k<span style="letter-spacing: -.1pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n me<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>hinda<span style="letter-spacing: -.05pt;">r</span>i
<span style="letter-spacing: .15pt;">p</span><span style="letter-spacing: .05pt;">e</span>nd<span style="letter-spacing: -.05pt;">e</span>rit<span style="letter-spacing: -.05pt;">aa</span>n.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%; mso-ansi-language: IN;">H</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">donisme<span style="letter-spacing: .15pt;"> </span>me<span style="letter-spacing: -.05pt;">r</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>kt<span style="letter-spacing: .05pt;">i</span>vi<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span>un <span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
di<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>mi<span style="letter-spacing: .25pt;"> </span>men<span style="letter-spacing: -.05pt;">ca</span>p<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>nik<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>pun<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>pun
s<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>,
d<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>pun<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>kibat<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<span style="letter-spacing: .15pt;"> </span></span><span style="font-size: 12.0pt; letter-spacing: .15pt; line-height: 200%; mso-ansi-language: IN;">H</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">donisme<span style="letter-spacing: .05pt;"> </span></span><span style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%; mso-ansi-language: IN;">merupakan </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt; line-height: 200%;">g</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .2pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.25pt; line-height: 200%;">y</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">a<span style="letter-spacing: .15pt;"> </span>hidup<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span>menj<span style="letter-spacing: -.05pt;">a</span>dikan<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>nik<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tau k<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .1pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>tu<span style="letter-spacing: .05pt;">j</span>u<span style="letter-spacing: -.05pt;">a</span>n.<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">B</span><span style="letter-spacing: -.05pt;">e</span>rd<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>rk<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">e</span>rti<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donisme
menu<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">u</span>t<span style="letter-spacing: .05pt;"> </span>Kunto d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span>di<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>rik<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>si<span style="letter-spacing: .05pt;">m</span>pulan<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">w</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">e</span>donisme<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span>me<span style="letter-spacing: -.05pt;">r</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .45pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span>hidup<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .8pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">diwujudkan d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>kt<span style="letter-spacing: .05pt;">i</span>vi<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>untuk<span style="letter-spacing: .05pt;"> </span>me<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">j</span><span style="letter-spacing: -.05pt;">a</span>r <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>ni<span style="letter-spacing: .15pt;">k</span>mat<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tau<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .1pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i
tu<span style="letter-spacing: .05pt;">j</span>u<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.05pt;">a</span>pun<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">ca</span>r<span style="letter-spacing: -.1pt;">a</span>,<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: .05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>a<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>rta<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>kibat<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<span style="letter-spacing: .35pt;"> </span>E<span style="letter-spacing: -.05pt;">fe</span>n<span style="letter-spacing: .25pt;">d</span>y men<span style="letter-spacing: -.05pt;">a</span>mbahk<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>hwa
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>g<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>hidup<span style="mso-spacerun: yes;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donisme
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>memb<span style="letter-spacing: -.05pt;">e</span>ntuk<span style="mso-spacerun: yes;">
</span>sikap<span style="mso-spacerun: yes;"> </span>ment<span style="letter-spacing: -.05pt;">a</span>l <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
r<span style="letter-spacing: -.1pt;">a</span>puh, <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>mudah <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>putus
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>,
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">ce</span>nd<span style="letter-spacing: .05pt;">e</span>ru<span style="letter-spacing: .05pt;">n</span>g<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>b<span style="letter-spacing: -.05pt;">e</span>rsus<span style="letter-spacing: -.05pt;">a</span>h
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>h, <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span>s</span><span style="letter-spacing: -.05pt;">e</span>la<span style="letter-spacing: .1pt;">l</span>u <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>in<span style="letter-spacing: -.1pt;">g</span>in
meng<span style="letter-spacing: -.05pt;">a</span>mb<span style="letter-spacing: .05pt;">i</span>l<span style="letter-spacing: .1pt;"> </span>jal<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>pin<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s,<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>d<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;"> </span>suka<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .05pt;">e</span>rja k<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>s.<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: .1pt;">E</span>f<span style="letter-spacing: -.1pt;">e</span>ndi<span style="letter-spacing: .1pt;"> </span>men<span style="letter-spacing: .1pt;">j</span><span style="letter-spacing: -.05pt;">e</span>lask<span style="letter-spacing: -.05pt;">a</span>n
meng<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>i <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">c</span>iri<span style="letter-spacing: .1pt;">-</span><span style="letter-spacing: -.05pt;">c</span>iri
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>hidup
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>h<span style="letter-spacing: -.05pt;">e</span>donisme<span style="mso-spacerun: yes;">
</span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span>g<span style="letter-spacing: -.05pt;">a</span>mba<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span>sif<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">-</span>sif<span style="letter-spacing: -.05pt;">a</span>t <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>n<span style="letter-spacing: -.05pt;">e</span>g<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">i</span>f
d<span style="letter-spacing: -.05pt;">a</span>lam diri indiv<span style="letter-spacing: .05pt;">i</span>du<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g meng<span style="letter-spacing: -.05pt;">a</span>nut
g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: -.05pt;"> </span>hidup h<span style="letter-spacing: .1pt;">e</span>donisme.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn11" name="_ftnref11" style="mso-footnote-id: ftn11;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[11]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">r<span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">a</span>sa<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">p</span>a p<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">e</span>rti<span style="letter-spacing: -.05pt;">a</span>n
di<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tas
maka<span style="letter-spacing: .05pt;"> d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>dis<span style="letter-spacing: .05pt;">i</span>mpu<span style="letter-spacing: .05pt;">l</span>k<span style="letter-spacing: -.05pt;">a</span>n
b<span style="letter-spacing: -.05pt;">a</span>hwa h<span style="letter-spacing: -.05pt;">e</span>donis<span style="letter-spacing: .05pt;">m</span>e <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah
s<span style="letter-spacing: -.05pt;">e</span>bu<span style="letter-spacing: .05pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>me<span style="letter-spacing: -.05pt;">r</span>up<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>tu<span style="letter-spacing: .05pt;">j</span>u<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>utama
d<span style="letter-spacing: -.05pt;">a</span>lam <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>hidup<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>rta <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>lalu
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>men<span style="letter-spacing: -.15pt;">g</span>hin<span style="letter-spacing: .15pt;">d</span><span style="letter-spacing: -.05pt;">a</span>ri<span style="mso-spacerun: yes;">
</span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">a</span>ra<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>me<span style="letter-spacing: .1pt;">l</span><span style="letter-spacing: -.05pt;">a</span>kuk<span style="letter-spacing: -.05pt;">a</span>n b<span style="letter-spacing: -.05pt;">e</span>rba<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: 2.15pt;"> </span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: 2.2pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: 2.25pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 2.1pt;"> </span>hidup<span style="letter-spacing: 2.15pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: .15pt;">m</span>e<span style="letter-spacing: 2.1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: 2.1pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: 2.15pt;"> </span>pola<span style="letter-spacing: 2.1pt;"> </span>hi<span style="letter-spacing: .15pt;">d</span>up<span style="letter-spacing: 2.25pt;"> </span>kh<span style="letter-spacing: -.05pt;">a</span>s d<span style="letter-spacing: -.05pt;">a</span>ri
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>sikap,
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">ca</span><span style="letter-spacing: .05pt;">r</span>a<span style="mso-spacerun: yes;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">p</span>ola<span style="mso-spacerun: yes;">
</span>t<span style="letter-spacing: .05pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>untuk
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>men<span style="letter-spacing: -.05pt;">ca</span>p<span style="letter-spacing: -.05pt;">a</span>i
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>tu<span style="letter-spacing: .05pt;">j</span>u<span style="letter-spacing: -.05pt;">a</span>n,
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>kons<span style="letter-spacing: -.05pt;">e</span>p <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>diri <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>s<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
me<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .1pt;"> k</span><span style="letter-spacing: -.05pt;">e</span>i<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.1pt;">g</span>inan<span style="letter-spacing: .1pt;"> </span>un<span style="letter-spacing: .15pt;">t</span>uk<span style="letter-spacing: .15pt;"> </span>meng<span style="letter-spacing: -.05pt;">e</span>jar<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n diun<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n d<span style="letter-spacing: -.05pt;">a</span>lam
<span style="letter-spacing: -.05pt;">a</span>kt<span style="letter-spacing: .15pt;">i</span>vi<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s,
m<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t
d<span style="letter-spacing: -.05pt;">a</span>n p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .05pt;">a</span>t<span style="letter-spacing: .2pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n
me<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>h<span style="letter-spacing: -.05pt;">a</span>lalk<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>rba<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i
<span style="letter-spacing: -.05pt;">ca</span>r<span style="letter-spacing: -.1pt;">a</span>.<span style="letter-spacing: .25pt;"> </span>G<span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span>hidup<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .15pt;">s</span>me<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span>mem<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>ntuk<span style="letter-spacing: .15pt;"> </span>sikap<span style="letter-spacing: .15pt;"> </span>ment<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g <span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>puh,<span style="letter-spacing: .25pt;"> </span>mudah
putus<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">ce</span>nd<span style="letter-spacing: -.05pt;">e</span>ru<span style="letter-spacing: .05pt;">n</span>g
<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>rsus<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>h,<span style="letter-spacing: .15pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .1pt;">a</span>lu<span style="letter-spacing: .15pt;"> </span>in<span style="letter-spacing: -.1pt;">g</span>in<span style="letter-spacing: .15pt;"> </span>men<span style="letter-spacing: -.15pt;">g</span><span style="letter-spacing: -.05pt;">a</span>mb<span style="letter-spacing: .05pt;">i</span>l<span style="letter-spacing: .15pt;"> </span>jal<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>pin<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s
d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;">
</span>t<span style="letter-spacing: .05pt;">i</span>d<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .1pt;"> </span>suka b<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>rja<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>s.<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.3pt;">I</span>ndiv<span style="letter-spacing: .05pt;">i</span>du<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>meng<span style="letter-spacing: -.05pt;">a</span>nut<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
hidup<span style="letter-spacing: .1pt;"> </span>ini<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n men<span style="letter-spacing: -.15pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>biskan<span style="letter-spacing: .1pt;"> w</span><span style="letter-spacing: -.05pt;">a</span>ktu<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .3pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>mi<span style="letter-spacing: .15pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>rs<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: .05pt;">g</span><span style="letter-spacing: -.05pt;">-</span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>rs<span style="letter-spacing: -.05pt;">a</span>ma<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>man<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>rm<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n in<span style="letter-spacing: -.1pt;">g</span>in
<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">e</span>njadi
pus<span style="letter-spacing: -.05pt;">a</span>t p<span style="letter-spacing: .1pt;">e</span>r<span style="letter-spacing: .05pt;">h</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>n di <span style="letter-spacing: .05pt;">l</span>in<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .75pt; text-align: justify; text-indent: 18.0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">c</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">.<span style="letter-spacing: 2.9pt;"> </span>As<span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">-</span>Aspek
<span style="letter-spacing: -.05pt;">G</span>aya H<span style="letter-spacing: .05pt;">idu</span>p<span style="letter-spacing: .05pt;"> </span>Hedo<span style="letter-spacing: -.05pt;">n</span>i<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.15pt;">me</span></span></b><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">K<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;"> </span>me<span style="letter-spacing: .2pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> “</span><i style="mso-bidi-font-style: normal;">the
<span style="letter-spacing: -.05pt;">c</span>ombinat<span style="letter-spacing: .05pt;">i</span>on<span style="letter-spacing: .15pt;"> </span>of<span style="letter-spacing: .05pt;"> </span>su<span style="letter-spacing: -.05pt;">c</span>h<span style="letter-spacing: .05pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rd<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">e</span>nt
at<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .05pt;">t</span>ud<span style="letter-spacing: -.05pt;">e</span>s,<span style="letter-spacing: .05pt;"> </span>mann<span style="letter-spacing: -.05pt;">e</span>rs,<span style="letter-spacing: .05pt;"> </span>and<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">p</span>at<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rns<span style="letter-spacing: .05pt;"> </span>of<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span>on<span style="letter-spacing: .05pt;"> </span>f<span style="letter-spacing: -.1pt;">o</span>rms<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">w</span>hat<span style="letter-spacing: .05pt;"> </span>I am <span style="letter-spacing: -.05pt;">c</span>al<span style="letter-spacing: .05pt;">l</span>ing<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">s</span>tyle
of<span style="letter-spacing: .05pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>fe<span style="letter-spacing: -.1pt;">”</span>. </i>A<span style="letter-spacing: -.05pt;">r</span>ti<span style="letter-spacing: 1.0pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .95pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>je<span style="letter-spacing: .1pt;">m</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .95pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 1.0pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .9pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .9pt;"> </span><span style="letter-spacing: .1pt;">k</span>omb<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: 1.0pt;"> </span><span style="letter-spacing: -.05pt;">a</span>nta<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: .9pt;"> </span>sikap,<span style="letter-spacing: 1.05pt;"> </span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>,<span style="letter-spacing: .95pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">pola t<span style="letter-spacing: .05pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>mbent<span style="letter-spacing: .1pt;">u</span>k<span style="letter-spacing: .05pt;"> </span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup.<span style="letter-spacing: .05pt;"> S</span>ikap
ind<span style="letter-spacing: .15pt;">i</span>vidu<span style="letter-spacing: .05pt;"> </span>me<span style="letter-spacing: .2pt;">n</span>unjukkan <span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span>a <span style="letter-spacing: .15pt;">i</span>ndiv<span style="letter-spacing: .05pt;">i</span>d<span style="letter-spacing: -.1pt;">u</span>,
d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;">
</span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">a</span>ra ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: .1pt;"> </span>me<span style="letter-spacing: .1pt;">n</span>unjukkan<span style="letter-spacing: .05pt;"> </span>pola<span style="letter-spacing: .05pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: .1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>s<span style="letter-spacing: -.05pt;">e</span>but.<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: .1pt;">G</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.1pt;">y</span>a
hidup menu<span style="letter-spacing: -.05pt;">r</span>ut<span style="letter-spacing: .15pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">d</span>i<span style="letter-spacing: .05pt;">l</span>ihat<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>sp<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .1pt;"> </span>sikap,<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">ca</span>ra d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>pola<span style="letter-spacing: .1pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g di<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">a</span>kuk<span style="letter-spacing: -.05pt;">a</span>n
oleh indiv<span style="letter-spacing: .05pt;">i</span>du.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn12" name="_ftnref12" style="mso-footnote-id: ftn12;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[12]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">r<span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span>da d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>s,<span style="letter-spacing: .2pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>nurut<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .1pt;">e</span>r d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>Olson<span style="letter-spacing: .05pt;"> </span><i style="mso-bidi-font-style: normal;">li<span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">e</span>styl<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .05pt;"> </span>are m<span style="letter-spacing: -.05pt;">e</span>asured
<span style="letter-spacing: .1pt;">b</span>y as<span style="letter-spacing: -.05pt;">k</span>ing<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">c</span>onsum<span style="letter-spacing: -.05pt;">e</span>rs<span style="letter-spacing: .05pt;"> </span>abo<span style="letter-spacing: .1pt;">u</span>t<span style="letter-spacing: .05pt;"> </span>their<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>i<span style="letter-spacing: .05pt;">t</span>ies<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">(</span>wor<span style="letter-spacing: -.05pt;">k</span>,<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">h</span>obbies,
<span style="letter-spacing: -.05pt;">v</span>a<span style="letter-spacing: -.05pt;">c</span>at<span style="letter-spacing: .05pt;">i</span>on<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.15pt;">)</span>,<span style="letter-spacing: .05pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.05pt;">e</span>sts<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">(</span>f<span style="letter-spacing: .15pt;">a</span>mily,
job,<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">c</span>om<span style="letter-spacing: -.05pt;">m</span>uni<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">y</span><span style="letter-spacing: -.15pt;">)</span>,<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">a</span>nd<span style="letter-spacing: .05pt;"> </span>opin<span style="letter-spacing: .05pt;">i</span>ons<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">(</span>about<span style="letter-spacing: .05pt;"> </span>so<span style="letter-spacing: -.05pt;">c</span>i<span style="letter-spacing: -.1pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>is<span style="letter-spacing: .05pt;">s</span>u<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">s</span>,
pol<span style="letter-spacing: .05pt;">i</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">c</span>s,<span style="letter-spacing: .05pt;"> </span>busin<span style="letter-spacing: -.05pt;">e</span>ss<span style="letter-spacing: -.15pt;">)</span>.<span style="letter-spacing: .15pt;"> </span></i>A<span style="letter-spacing: -.05pt;">r</span>ti<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: .05pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>jem<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">sn</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah
b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span>wa<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .25pt;"> </span>hidup diukur d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span>ra b<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .1pt;">t</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .05pt;"> </span>konsum<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;"> </span>meng<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>kt<span style="letter-spacing: .05pt;">i</span>vi<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s
(kerj<span style="letter-spacing: -.05pt;">a</span>, hobi, l<span style="letter-spacing: .05pt;">i</span>bur<span style="letter-spacing: -.1pt;">a</span>n),
m<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>(k<span style="letter-spacing: -.1pt;">e</span>l<span style="letter-spacing: .15pt;">u</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>,<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>rj<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .05pt;"> </span>komun<span style="letter-spacing: .05pt;">i</span>tas<span style="letter-spacing: -.05pt;">)</span>,<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>(t<span style="letter-spacing: -.05pt;">e</span>nta<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>isu<span style="letter-spacing: .05pt;"> </span>sos<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>l, pol<span style="letter-spacing: .05pt;">i</span>t<span style="letter-spacing: .05pt;">i</span>k,<span style="letter-spacing: .05pt;"> </span>bisn<span style="letter-spacing: .05pt;">i</span>s).<span style="letter-spacing: .05pt;"> </span>Akti<span style="letter-spacing: .05pt;">v</span>i<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: -.1pt;">s</span>,<span style="letter-spacing: .05pt;"> </span>m<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> (</span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: .1pt;">a</span><span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>i<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">y</span>,<span style="letter-spacing: .05pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.05pt;">e</span>st,<span style="letter-spacing: .05pt;"> </span>and<span style="letter-spacing: .05pt;"> </span>opin<span style="letter-spacing: .05pt;">i</span>o<span style="letter-spacing: .15pt;">n</span></i>)
<span style="letter-spacing: -.05pt;">a</span>tau dis<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">A</span><span style="letter-spacing: -.15pt;">I</span>O<span style="letter-spacing: .05pt;"> </span>ini<span style="letter-spacing: .1pt;"> </span>men<span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">e</span>rmink<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a hidup<span style="letter-spacing: .05pt;">
</span>i<span style="letter-spacing: .15pt;">n</span>div<span style="letter-spacing: .05pt;">i</span>du<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>me<span style="letter-spacing: -.05pt;">r</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>metode
utama<span style="letter-spacing: -.05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam men<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>ti<span style="letter-spacing: .05pt;"> </span>g<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>hidup <span style="letter-spacing: .05pt;">i</span>ndiv<span style="letter-spacing: .05pt;">i</span>du.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn13" name="_ftnref13" style="mso-footnote-id: ftn13;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[13]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .55pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">r<span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n
u<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>ian
di<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>maka<span style="letter-spacing: .1pt;"> p</span><span style="letter-spacing: -.05pt;">e</span>nul<span style="letter-spacing: .05pt;">i</span>s<span style="letter-spacing: .05pt;"> </span>me<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>i<span style="letter-spacing: .15pt;">m</span>pulkan<span style="letter-spacing: .1pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>sp<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">k</span><span style="letter-spacing: -.05pt;">-a</span>s<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>k <span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>hidup<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .1pt;">s</span>me<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>kt<span style="letter-spacing: .05pt;">i</span>vi<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s,<span style="letter-spacing: .1pt;"> </span>m<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>t, p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t,<span style="letter-spacing: .25pt;"> </span>sikap,<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">ca</span><span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>pola t<span style="letter-spacing: .05pt;">i</span>nd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n.<span style="letter-spacing: .1pt;"> </span>Asp<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">-a</span>s<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .05pt;"> </span>ini<span style="letter-spacing: .1pt;"> </span>n<span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>di<span style="letter-spacing: -.1pt;">g</span>u<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>untuk<span style="letter-spacing: .1pt;"> </span>men<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>ti<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .15pt;"> </span>hidup
h<span style="letter-spacing: -.05pt;">e</span>donisme.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">d</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">.<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: -.15pt;">F</span>a<span style="letter-spacing: .05pt;">k</span>tor<span style="letter-spacing: .05pt;"> </span>P<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">n</span>y<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">b</span>ab<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">G</span>aya<span style="letter-spacing: .1pt;"> </span>H<span style="letter-spacing: .05pt;">id</span><span style="letter-spacing: -.05pt;">u</span>p<span style="letter-spacing: .05pt;"> </span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%; mso-ansi-language: IN;">H</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">edo<span style="letter-spacing: .05pt;">n</span>i<span style="letter-spacing: .15pt;">s</span><span style="letter-spacing: -.15pt;">me</span></span></b><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">Fe</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">ist<span style="letter-spacing: .1pt;"> </span>&<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">Fe</span>ist<span style="letter-spacing: .1pt;"> </span>me<span style="letter-spacing: .2pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>me<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>f<span style="letter-spacing: -.1pt;">a</span>ktor
<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>b<span style="letter-spacing: .15pt;"> </span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.1pt;">y</span>a hidup<i style="mso-bidi-font-style: normal;"><span style="letter-spacing: .05pt;">“</span>It is<span style="letter-spacing: .05pt;"> </span>the
produ<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;"> </span>of<span style="letter-spacing: .05pt;"> </span>the in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>ra<span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span>on<span style="letter-spacing: .05pt;"> </span>of<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span>i<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">y</span>,<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">v</span>ironm<span style="letter-spacing: -.05pt;">e</span>nt,<span style="letter-spacing: .05pt;"> </span>and<span style="letter-spacing: .05pt;"> </span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>rson’s
<span style="letter-spacing: -.05pt;">c</span>r<span style="letter-spacing: -.05pt;">e</span>at<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>e
pow<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span></i></span><i style="mso-bidi-font-style: normal;"><span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">”</span></i><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">.<span style="letter-spacing: .1pt;"> </span>T<span style="letter-spacing: -.05pt;">e</span>rj<span style="letter-spacing: -.05pt;">e</span>ma<span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: .05pt;">a</span>ri<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">i</span>mat<span style="letter-spacing: .05pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>s<span style="letter-spacing: -.05pt;">e</span>but<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;">a</span>h<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa
<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a hidup<span style="letter-spacing: .05pt;">
</span>me<span style="letter-spacing: -.05pt;">r</span>u<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>prod<span style="letter-spacing: -.05pt;">u</span>k<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>tau h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: .1pt;"> </span>i<span style="letter-spacing: -.1pt;">n</span>te<span style="letter-spacing: -.05pt;">ra</span>ksi<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri f<span style="letter-spacing: -.1pt;">a</span>ktor
k<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">t</span>urun<span style="letter-spacing: -.1pt;">a</span>n, l<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.0pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>ku<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span>kr<span style="letter-spacing: -.1pt;">e</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">i</span>f<span style="letter-spacing: 1.85pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu.<span style="letter-spacing: 2.1pt;"> </span>B<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>rk<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: 1.9pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: 1.95pt;"> </span>di<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>ta<span style="letter-spacing: .1pt;">s</span>,<span style="letter-spacing: 1.9pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">g</span>a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">f<span style="letter-spacing: -.1pt;">a</span>ktor<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.05pt;"> </span>telah<span style="letter-spacing: 2.15pt;"> </span>diseb<span style="letter-spacing: .1pt;">u</span>tkan<span style="letter-spacing: 2.1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span>s<span style="letter-spacing: -.05pt;">e</span>but<span style="letter-spacing: 2.15pt;"> </span>memb<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">w</span>a<span style="letter-spacing: 2.2pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>ruh<span style="letter-spacing: 2.1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: 2.25pt;"> </span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.1pt;">y</span>a<span style="letter-spacing: 2.1pt;"> </span>hidup
ind<span style="letter-spacing: .05pt;">i</span>vidu</span><span style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;">.<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftn14" name="_ftnref14" style="mso-footnote-id: ftn14;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[14]</span></span><!--[endif]--></span></span></a><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">1)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.15pt;">I</span>n<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rn<span style="letter-spacing: -.1pt;">a</span>l<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">Fa</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">ktor<span style="letter-spacing: .1pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rn<span style="letter-spacing: -.1pt;">a</span>l<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">a</span>ktor<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g muncul <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>lam diri<span style="letter-spacing: .15pt;">
</span>ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .2pt;">a</span>ng didas<span style="letter-spacing: -.05pt;">a</span>rk<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>da
k<span style="letter-spacing: .2pt;">e</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: .15pt;">i</span>n<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>diri<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>ndiri<span style="letter-spacing: .05pt;"> </span>untuk<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: .2pt;">e</span>su<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n
k<span style="letter-spacing: -.05pt;">e</span>in<span style="letter-spacing: -.1pt;">g</span>inan<span style="letter-spacing: .2pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="letter-spacing: 1.9pt;"> </span><span style="letter-spacing: .05pt;">S</span>ikap<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">ikap s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">ce</span>nd<span style="letter-spacing: .05pt;">er</span>un<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: .05pt;">e</span>rtind<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .05pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>l te<span style="letter-spacing: -.05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p
objek <span style="letter-spacing: .1pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rt<span style="letter-spacing: -.05pt;">e</span>nt<span style="letter-spacing: .05pt;">u</span>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>tan d<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;">a</span>man<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">H<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;"> </span>ini<span style="letter-spacing: .1pt;"> </span>dipe<span style="letter-spacing: -.05pt;">r</span>oleh<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: .1pt;"> </span>in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>ksi<span style="letter-spacing: .1pt;"> </span>manusia<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
d<span style="letter-spacing: .05pt;">a</span>n d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t <span style="letter-spacing: .05pt;">j</span>uga<span style="letter-spacing: -.05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri <span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>sil<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .1pt;">a</span>j<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">r</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">c</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="letter-spacing: 1.9pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>prib<span style="letter-spacing: -.05pt;">a</span>dian<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">K<span style="letter-spacing: -.05pt;">e</span>prib<span style="letter-spacing: -.05pt;">a</span>dian<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h
kon<span style="letter-spacing: .05pt;">f</span>i<span style="letter-spacing: -.1pt;">g</span>ur<span style="letter-spacing: -.1pt;">a</span>si<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>kte<span style="letter-spacing: -.05pt;">r</span>is<span style="letter-spacing: .05pt;">t</span>ik
ind<span style="letter-spacing: .05pt;">i</span>vidu d<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span>ra b<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span>u
<span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g men<span style="letter-spacing: -.05pt;">e</span>ntukan<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">aa</span>n
p<span style="letter-spacing: .05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku d<span style="letter-spacing: .05pt;">a</span>ri s<span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>p <span style="letter-spacing: .15pt;">i</span>ndiv<span style="letter-spacing: .05pt;">i</span>du.<span style="letter-spacing: .25pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>prib<span style="letter-spacing: -.05pt;">a</span>dian
<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">e</span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n
mem<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>ruhi sikap<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: .05pt;">e</span>but.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">d)<span style="letter-spacing: 1.15pt;"> </span>Kons<span style="letter-spacing: -.05pt;">e</span>p
diri<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">s<span style="letter-spacing: -.05pt;">e</span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .15pt;"> </span>memi<span style="letter-spacing: .05pt;">l</span>l<span style="letter-spacing: .05pt;">i</span>ki<span style="letter-spacing: .2pt;"> </span>kons<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: .2pt;"> </span>diri<span style="letter-spacing: .2pt;"> </span>pos<span style="letter-spacing: -.1pt;">i</span>t<span style="letter-spacing: .05pt;">i</span>f t<span style="letter-spacing: .05pt;">i</span>d<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>mudah<span style="letter-spacing: .15pt;"> </span>untuk
dipeng<span style="letter-spacing: -.05pt;">a</span>ruhi<span style="letter-spacing: .45pt;"> </span>oleh<span style="letter-spacing: .55pt;"> </span>st<span style="letter-spacing: .05pt;">i</span>mu<span style="letter-spacing: .05pt;">l</span>us<span style="letter-spacing: .5pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .45pt;"> </span>lu<span style="letter-spacing: .1pt;">a</span>r,<span style="letter-spacing: .45pt;"> </span>te<span style="letter-spacing: .1pt;">t</span><span style="letter-spacing: -.05pt;">a</span>pi<span style="letter-spacing: .5pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>bi<span style="letter-spacing: .05pt;">l</span>a<span style="letter-spacing: .55pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .2pt;">e</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .35pt;"> </span>memi<span style="letter-spacing: .05pt;">l</span>iki<span style="letter-spacing: .5pt;"> </span>ko<span style="letter-spacing: .1pt;">n</span>s<span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: .45pt;"> </span>diri</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">n<span style="letter-spacing: -.05pt;">e</span>g<span style="letter-spacing: -.05pt;">a</span>tif<span style="letter-spacing: 2.4pt;"> </span>maka<span style="letter-spacing: 2.3pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.4pt;"> </span>lebih<span style="letter-spacing: 2.4pt;"> </span>mudah<span style="letter-spacing: 2.35pt;"> </span>untuk<span style="letter-spacing: 2.3pt;"> </span>dipeng<span style="letter-spacing: -.05pt;">a</span>ruhi<span style="letter-spacing: 2.4pt;"> </span>oleh<span style="letter-spacing: 2.35pt;"> </span>st<span style="letter-spacing: .05pt;">i</span>mu<span style="letter-spacing: -.05pt;">l</span>us<span style="letter-spacing: 2.4pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri lua<span style="letter-spacing: -.05pt;">r</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">2)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor
Ekst<span style="letter-spacing: .05pt;">e</span>rn<span style="letter-spacing: -.1pt;">a</span>l<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">G<span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a hidup<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donisme<span style="letter-spacing: .35pt;">
</span><span style="letter-spacing: -.1pt;">y</span><span style="letter-spacing: -.05pt;">a</span>ng<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: .05pt;">a</span>ri<span style="letter-spacing: .05pt;"> </span>f<span style="letter-spacing: -.1pt;">a</span>ktor<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">e</span>kste<span style="letter-spacing: -.05pt;">r</span>n<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">t</span>u<span style="letter-spacing: .2pt;"> </span>muncul<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: .05pt;">a</span>ri luar<span style="letter-spacing: 2.8pt;">
</span>diri<span style="letter-spacing: 2.9pt;"> </span>ind<span style="letter-spacing: .05pt;">i</span>vidu.<span style="letter-spacing: 2.9pt;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor<span style="letter-spacing: 2.85pt;">
</span><span style="letter-spacing: -.05pt;">e</span>kste<span style="letter-spacing: -.05pt;">r</span>n<span style="letter-spacing: -.05pt;">a</span>l <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: 2.75pt;"> </span>me<span style="letter-spacing: .1pt;">m</span><span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>ruhi<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: 2.8pt;"> </span>hidup<span style="letter-spacing: 2.9pt;"> </span>h<span style="letter-spacing: .05pt;">e</span>doni<span style="letter-spacing: .3pt;">s</span>me
<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah:<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="letter-spacing: 1.9pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>lo<span style="letter-spacing: .05pt;">m</span>pok
<span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">e</span>nsial<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">K<span style="letter-spacing: -.05pt;">e</span>lo<span style="letter-spacing: .05pt;">m</span>pok<span style="letter-spacing: .15pt;"> </span>r<span style="letter-spacing: -.1pt;">e</span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">e</span>nsi<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">l</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>lo<span style="letter-spacing: .05pt;">m</span>pok<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
me<span style="letter-spacing: .1pt;">m</span>b<span style="letter-spacing: -.05pt;">e</span>rik<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>ruh<span style="letter-spacing: .1pt;"> </span>la<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>s<span style="letter-spacing: .1pt;">u</span>ng <span style="letter-spacing: -.05pt;">a</span>tau
tidak l<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>su<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: .05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .1pt;"> </span>sikap d<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: .05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku s<span style="letter-spacing: .05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">b)<span style="letter-spacing: 1.15pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>lua<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span>a<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">P</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">ola<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span>suh<span style="letter-spacing: .1pt;"> </span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>tua<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .25pt;"> </span>memb<span style="letter-spacing: -.05pt;">e</span>ntuk<span style="letter-spacing: .15pt;"> </span>su<span style="letter-spacing: -.05pt;">a</span>tu<span style="letter-spacing: .15pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>bia<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">ec</span><span style="letter-spacing: .05pt;">a</span>ra t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>k
lan<span style="letter-spacing: -.15pt;">g</span>su<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>mem<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>ruhi <span style="letter-spacing: .1pt;">p</span>ola
hidup<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">c</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">)<span style="letter-spacing: 1.9pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>las sosi<span style="letter-spacing: -.05pt;">a</span>l<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">K<span style="letter-spacing: -.05pt;">e</span>las<span style="letter-spacing: .1pt;"> </span>sos<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;"> </span>meng<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .05pt;">b</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>status<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: .1pt;">o</span>nomi<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>sos<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n mem<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>ruhi p<span style="letter-spacing: .05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: .05pt;">a</span>n <span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>hidup.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">d)<span style="letter-spacing: 1.15pt;"> </span>K<span style="letter-spacing: -.05pt;">e</span>bud<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">K<span style="letter-spacing: -.05pt;">e</span>bud<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n
melipu<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>hu<span style="letter-spacing: -.05pt;">a</span>n, <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .1pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>nian, mo<span style="letter-spacing: .1pt;">r</span><span style="letter-spacing: -.05pt;">a</span>l,<span style="letter-spacing: .05pt;"> </span>huk<span style="letter-spacing: .1pt;">u</span>m, <span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>t is<span style="letter-spacing: .05pt;">t</span>iad<span style="letter-spacing: -.05pt;">a</span>t, <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n k<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">aa</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">-</span>k<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
dip<span style="letter-spacing: .1pt;">e</span>rol<span style="letter-spacing: -.05pt;">e</span>h ind<span style="letter-spacing: .05pt;">i</span>vidu s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i <span style="letter-spacing: .05pt;">a</span>ng<span style="letter-spacing: -.1pt;">g</span>ota ma<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">a</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">ma h<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n
p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>R<span style="letter-spacing: -.05pt;">a</span>ni<span style="letter-spacing: .05pt;"> </span>(2016<span style="letter-spacing: -.05pt;"> </span>:
23) b<span style="letter-spacing: .05pt;">a</span>hwa<span style="letter-spacing: -.05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span>ra<span style="letter-spacing: -.1pt;"> </span>umum<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span>a<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: .1pt;">u</span>a
f<span style="letter-spacing: -.1pt;">a</span>ktor<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .35pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>me<span style="letter-spacing: .2pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">b</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;">
</span>ma<span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;">s</span>wa<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>u<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>ma<span style="letter-spacing: .2pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>t<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .35pt;"><span style="mso-spacerun: yes;"> </span></span>menj<span style="letter-spacing: -.05pt;">a</span>di
h<span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .05pt;">s</span>me<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">t</span>u<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">a</span>ktor<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">e</span>kste<span style="letter-spacing: -.05pt;">r</span>n<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g melipu<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .15pt;"> </span>media<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span>so<span style="letter-spacing: .15pt;">s</span>ial<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>rta
f<span style="letter-spacing: -.1pt;">a</span>ktor int<span style="letter-spacing: -.05pt;">e</span>rn<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>puti<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>ki<span style="letter-spacing: .15pt;">n</span><span style="letter-spacing: -.05pt;">a</span>n d<span style="letter-spacing: -.05pt;">a</span>lam
b<span style="letter-spacing: .05pt;">e</span>rag<span style="letter-spacing: -.05pt;">a</span>ma d<span style="letter-spacing: -.05pt;">a</span>n k<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .15pt;">u</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>.</span><span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: 1.45pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">1)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor
<span style="letter-spacing: -.05pt;">e</span>ks<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rn<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">D<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>s<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>rus<span style="letter-spacing: .1pt;"> </span>industri<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">i</span>s<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .15pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">g</span>lobalis<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>ng me<span style="letter-spacing: .2pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
ma<span style="letter-spacing: .2pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t me<span style="letter-spacing: -.05pt;">r</span>up<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">f</span><span style="letter-spacing: -.05pt;">a</span>ktor<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .1pt;"> </span>me<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">e</span>b<span style="letter-spacing: -.05pt;">a</span>bk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">n</span>i<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">i</span>-ni<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .4pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
dulu<span style="letter-spacing: .15pt;"> </span>diangg<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .15pt;"> </span>tabu<span style="letter-spacing: .1pt;"> </span>kini diangg<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .05pt;"> </span>bias<span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">M</span><span style="letter-spacing: -.05pt;">e</span>lalui<span style="letter-spacing: .05pt;"> </span>media komun<span style="letter-spacing: .05pt;">i</span>k<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;"> </span>massa<span style="letter-spacing: .1pt;"> </span>n<span style="letter-spacing: -.05pt;">a</span>fsu, p<span style="letter-spacing: .05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>s<span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>in<span style="letter-spacing: -.1pt;">g</span>inan s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>di<span style="letter-spacing: .15pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>ruhi<span style="letter-spacing: .05pt;"> </span>u<span style="letter-spacing: .1pt;">n</span>tuk <span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">e</span>njadi h<span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .05pt;">s</span>m<span style="letter-spacing: -.05pt;">e</span>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">2)<span style="letter-spacing: 1.15pt;"> </span><span style="letter-spacing: -.05pt;">Fa</span>ktor
int<span style="letter-spacing: -.05pt;">e</span>rn<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-right: 3.85pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; line-height: 200%;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">ment<span style="letter-spacing: -.05pt;">a</span>ra
i<span style="letter-spacing: .05pt;">t</span>u<span style="letter-spacing: .1pt;">
</span>di<span style="letter-spacing: .05pt;">l</span>ihat<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="letter-spacing: .05pt;"> </span>si<span style="letter-spacing: .05pt;">s</span>i<span style="letter-spacing: .1pt;"> </span>i<span style="letter-spacing: -.1pt;">n</span>te<span style="letter-spacing: -.05pt;">r</span>n,<span style="letter-spacing: .1pt;"> </span>lem<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>kinan<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>ma<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>o<span style="letter-spacing: .05pt;">ra</span>ng ju<span style="letter-spacing: -.1pt;">g</span>a<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .05pt;">p</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>ruh<span style="letter-spacing: .05pt;"> </span>te<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>p p<span style="letter-spacing: .05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku s<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: -.1pt;">g</span>ian<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
me<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>gun<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>n k<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n hu<span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: -.05pt;">-</span>hu<span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: -.05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>mat<span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 0cm; margin-right: 3.85pt; margin-top: .5pt; text-align: justify; text-indent: 18.0pt;">
<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt; line-height: 200%;">B</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt; line-height: 200%;">e</span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">r<span style="letter-spacing: .05pt;">d</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>map<span style="letter-spacing: .05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>diat<span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .05pt;"> </span>maka d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .25pt;"> </span>dis<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.1pt;">m</span>pulkan<span style="letter-spacing: .05pt;"> </span>b<span style="letter-spacing: -.05pt;">a</span>hwa
te<span style="letter-spacing: -.05pt;">r</span>d<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .1pt;"> </span>dua
f<span style="letter-spacing: -.1pt;">a</span>ktor utama<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
mem<span style="letter-spacing: .05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>ruhi g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a
hidup<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .1pt;">o</span>ni<span style="letter-spacing: .15pt;">s</span>m<span style="letter-spacing: -.05pt;">e</span>,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;">t</span>u<span style="letter-spacing: .05pt;"> </span>f<span style="letter-spacing: -.1pt;">a</span>ktor
in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">r</span>n<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
f<span style="letter-spacing: -.1pt;">a</span>ktor <span style="letter-spacing: -.05pt;">e</span>kst<span style="letter-spacing: .1pt;">e</span>rn<span style="letter-spacing: -.1pt;">a</span>l.<span style="letter-spacing: .05pt;"> F</span><span style="letter-spacing: -.05pt;">a</span>ktor <span style="letter-spacing: .15pt;">i</span>nte<span style="letter-spacing: -.05pt;">r</span>n<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .3pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: .05pt;"> </span>mem<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>r<span style="letter-spacing: .05pt;">u</span>hi<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .1pt;"> </span>hidup<span style="letter-spacing: .05pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .15pt;">s</span>me<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah f<span style="letter-spacing: -.1pt;">a</span>ktor<span style="letter-spacing: .05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>turun<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .1pt;"> </span>lem<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">hn</span><span style="letter-spacing: -.25pt;">y</span>a <span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: .2pt;">e</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>kinan<span style="letter-spacing: .05pt;">
a</span>g<span style="letter-spacing: -.05pt;">a</span>ma,<span style="letter-spacing: .05pt;"> </span>sikap,<span style="letter-spacing: .2pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>lam<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>gamat<span style="letter-spacing: -.05pt;">a</span>n, </span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%; mso-ansi-language: IN;"><span style="mso-spacerun: yes;"> </span></span><span lang="EN-US" style="font-size: 12.0pt; line-height: 200%;">k<span style="letter-spacing: -.05pt;">e</span>prib<span style="letter-spacing: -.05pt;">a</span>dian, <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>kons<span style="letter-spacing: -.05pt;">e</span>p
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: .15pt;">i</span>ri <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>s<span style="letter-spacing: -.05pt;">e</span>rta<span style="mso-spacerun: yes;"> </span>k<span style="letter-spacing: -.05pt;">e</span>ku<span style="letter-spacing: -.05pt;">a</span>tan<span style="mso-spacerun: yes;">
</span>k<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">ea</span><span style="letter-spacing: .15pt;">t</span>if <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>ind<span style="letter-spacing: .05pt;">i</span>vid<span style="letter-spacing: .1pt;">u</span>.
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span>S</span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span>k<span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>f<span style="letter-spacing: -.1pt;">a</span>ktor <span style="letter-spacing: -.05pt;">e</span>kste<span style="letter-spacing: -.05pt;">r</span>n<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g
mem<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>ruhi<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>hidup<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>doni<span style="letter-spacing: .3pt;">s</span>me<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>lah<span style="letter-spacing: .1pt;"> </span>l<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.1pt;">g</span>ku<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: -.1pt;">a</span>s<span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span>a
<span style="letter-spacing: -.05pt;">a</span>rus<span style="mso-spacerun: yes;">
</span>industri<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">i</span>s<span style="letter-spacing: -.05pt;">a</span>si
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">g</span>lobalis<span style="letter-spacing: -.05pt;">a</span>si, <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">e</span>lo<span style="letter-spacing: .05pt;">m</span>pok<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>f<span style="letter-spacing: -.1pt;">e</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>nsi,
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>lu<span style="letter-spacing: .1pt;">a</span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>, <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>k<span style="letter-spacing: -.05pt;">e</span>las
<span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>sos<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">a</span>l
s<span style="letter-spacing: -.05pt;">e</span>rta<span style="letter-spacing: -.05pt;"> </span>k<span style="letter-spacing: -.05pt;">e</span>bu<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">aa</span>n.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 14.0pt; letter-spacing: -.05pt;">DAF</span></b><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="font-size: 14.0pt;">T<span style="letter-spacing: -.05pt;">A</span>R <span style="letter-spacing: -.05pt;">PU</span>ST<span style="letter-spacing: -.05pt;">A</span><span style="letter-spacing: .1pt;">K</span>A</span></b><span lang="EN-US" style="font-size: 14.0pt;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">And<span style="letter-spacing: -.05pt;">e</span>rm<span style="letter-spacing: -.05pt;">a</span>n,<span style="letter-spacing: 1.45pt;"> </span>E.<span style="letter-spacing: 1.4pt;"> </span>M.,<span style="letter-spacing: 1.45pt;"> </span>&<span style="letter-spacing: 1.35pt;">
</span><span style="letter-spacing: .1pt;">M</span>urdo<span style="letter-spacing: -.1pt;">c</span>k,<span style="letter-spacing: 1.45pt;"> </span>T.<span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: -.1pt;">B</span>.<span style="letter-spacing: 1.45pt;"> </span>(200<span style="letter-spacing: .05pt;">7</span>).<span style="letter-spacing: 1.55pt;"> </span><i style="mso-bidi-font-style: normal;">P<span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">yc</span>hology<span style="letter-spacing: 1.4pt;"> </span>of<span style="letter-spacing: 1.5pt;"> </span>a<span style="letter-spacing: -.05pt;">c</span>ad<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .1pt;">i</span>c<span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: .15pt;">c</span>h<span style="letter-spacing: -.05pt;">e</span>at<span style="letter-spacing: .05pt;">i</span>ng</i>.<span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">a</span>n Di<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>o, C. A.: Elsev<span style="letter-spacing: .1pt;">i</span><span style="letter-spacing: -.05pt;">e</span>r.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">A<span style="letter-spacing: -.05pt;">r</span>ikun<span style="letter-spacing: .05pt;">t</span>o, <span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">S</span>uh<span style="letter-spacing: -.05pt;">a</span>rsim<span style="letter-spacing: .05pt;">i</span>.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span>(201<span style="letter-spacing: -.05pt;">3</span>). <span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">Pros<span style="letter-spacing: -.05pt;">e</span>dur <span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>t<span style="letter-spacing: .05pt;">i</span>an
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>suatu
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">ek</span>atan
<span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">p</span>ra<span style="letter-spacing: -.05pt;">k</span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: .1pt;">k</span></i>.<span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rt<span style="letter-spacing: -.05pt;">a</span>:
<span style="letter-spacing: .05pt;">P</span>T R<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: -.05pt;">e</span>ka<span style="letter-spacing: -.05pt;"> </span>Cip<span style="letter-spacing: .05pt;">t</span>a<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">A<span style="letter-spacing: .05pt;">z</span>w<span style="letter-spacing: -.05pt;">a</span>r, <span style="letter-spacing: 1.05pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">a</span>ifuddin.
<span style="letter-spacing: 1.1pt;"><span style="mso-spacerun: yes;"> </span></span>(20<span style="letter-spacing: .05pt;">1</span>7). <span style="letter-spacing: 1.15pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">P<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">y</span>usunan
<span style="letter-spacing: 1.1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.05pt;">k</span>ala
<span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span>psikolog<span style="letter-spacing: .1pt;">i</span></i>. <span style="letter-spacing: 1.05pt;"><span style="mso-spacerun: yes;"> </span></span>Yo<span style="letter-spacing: .1pt;">g</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>rt<span style="letter-spacing: -.05pt;">a</span>: <span style="letter-spacing: 1.2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span>ustaka</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">P</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">e</span><span lang="EN-US" style="font-size: 12.0pt;">laj<span style="letter-spacing: -.05pt;">a</span>r.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">D<span style="letter-spacing: -.05pt;">a</span>vis,<span style="letter-spacing: .05pt;">S</span>.<span style="letter-spacing: -.05pt;">F</span>.<span style="letter-spacing: 1.55pt;"> </span>&<span style="letter-spacing: 1.35pt;">
</span><span style="letter-spacing: .1pt;">D</span>rin<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.45pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: .1pt;">.</span><span style="letter-spacing: .05pt;">F</span>.<span style="letter-spacing: 1.45pt;"> </span>&<span style="letter-spacing: 1.45pt;"> </span>G<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: 1.45pt;"> </span>T<span style="letter-spacing: .1pt;">.</span><span style="letter-spacing: -.1pt;">B</span>.<span style="letter-spacing: 1.55pt;"> </span>(200<span style="letter-spacing: -.05pt;">9</span>).<span style="letter-spacing: 1.65pt;"> </span><i style="mso-bidi-font-style: normal;">Ch<span style="letter-spacing: -.05pt;">e</span>at<span style="letter-spacing: .05pt;">i</span>ng<span style="letter-spacing: 1.45pt;"> </span>in<span style="letter-spacing: 1.45pt;"> </span>s<span style="letter-spacing: -.05pt;">c</span>hool<span style="letter-spacing: 1.45pt;"> </span>:<span style="letter-spacing: 1.5pt;"> </span>what<span style="letter-spacing: 1.45pt;"> </span>we <span style="letter-spacing: -.05pt;">k</span>now</i></span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt;">and what <span style="letter-spacing: .05pt;">w</span>e<span style="letter-spacing: -.05pt;"> c</span>an d<span style="letter-spacing: .05pt;">o</span></span></i><span lang="EN-US" style="font-size: 12.0pt;">. United <span style="letter-spacing: -.05pt;">K</span>in<span style="letter-spacing: -.1pt;">g</span>dom:<span style="letter-spacing: .05pt;"> W</span>i<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.2pt;">y</span><span style="letter-spacing: .1pt;">-</span>Bl<span style="letter-spacing: .1pt;">a</span><span style="letter-spacing: -.05pt;">c</span>kw<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">l</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">D<span style="letter-spacing: -.05pt;">e</span>pdikbud.<span style="letter-spacing: 1.7pt;"> </span>(<i style="mso-bidi-font-style: normal;">200<span style="letter-spacing: .1pt;">3</span><span style="letter-spacing: -.15pt;">)</span>.<span style="letter-spacing: 1.85pt;"> </span>Un<span style="letter-spacing: .1pt;">d</span>ang<span style="letter-spacing: -.05pt;">-</span>Undang<span style="letter-spacing: 1.65pt;"> </span>RI<span style="letter-spacing: 1.75pt;"> </span>Nomor<span style="letter-spacing: 1.8pt;"> </span>20<span style="letter-spacing: 1.65pt;"> </span><span style="letter-spacing: .05pt;">T</span>ahun<span style="letter-spacing: 1.65pt;"> </span>2003,<span style="letter-spacing: 1.65pt;"> </span>tentang<span style="letter-spacing: 1.8pt;">
</span>Sis<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>m</i></span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt;">P<span style="letter-spacing: -.05pt;">e</span>ndid<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">k</span>an Nasional.</span></i><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">E<span style="letter-spacing: -.05pt;">f</span>f<span style="letter-spacing: -.1pt;">e</span>ndi,<span style="letter-spacing: 1.55pt;"> </span>Yu<span style="letter-spacing: .2pt;">d</span><span style="letter-spacing: -.25pt;">y</span>.<span style="letter-spacing: 1.55pt;"> </span>(201<span style="letter-spacing: .05pt;">2</span>).<span style="letter-spacing: 1.7pt;"> </span><i style="mso-bidi-font-style: normal;">Rahasia<span style="letter-spacing: 1.6pt;"> </span>m<span style="letter-spacing: -.05pt;">e</span>raih<span style="letter-spacing: 1.6pt;"> </span>hidup<span style="letter-spacing: 1.6pt;"> </span>sup<span style="letter-spacing: -.05pt;">e</span>rsuks<span style="letter-spacing: -.05pt;">e</span>s</i>.<span style="letter-spacing: 1.55pt;">
</span><span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rta<span style="letter-spacing: 1.5pt;"> </span>:<span style="letter-spacing: 1.55pt;"> </span><span style="letter-spacing: .1pt;">A</span>grom<span style="letter-spacing: -.05pt;">e</span>dia</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">P</span><span lang="EN-US" style="font-size: 12.0pt;">ustak<span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">Fe</span><span lang="EN-US" style="font-size: 12.0pt;">ist<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">J</span>. &<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: -.05pt;">Fe</span>ist<span style="letter-spacing: .05pt;"> </span>G.<span style="letter-spacing: .1pt;">J</span>. (20<span style="letter-spacing: -.05pt;">0</span>8).<span style="letter-spacing: .05pt;"> <i style="mso-bidi-font-style: normal;">T</i></span><i style="mso-bidi-font-style: normal;">h<span style="letter-spacing: -.05pt;">e</span>ories
of<span style="letter-spacing: .05pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>rsona<span style="letter-spacing: .05pt;">l</span>i<span style="letter-spacing: .05pt;">t</span>y<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">(</span>7th
e<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.1pt;">)</span></i>.
USA: M<span style="letter-spacing: .05pt;">c</span>G<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .05pt;">a</span>w <span style="letter-spacing: -.05pt;">H</span>i<span style="letter-spacing: .05pt;">l</span>l<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">Gun<span style="letter-spacing: -.05pt;">a</span>rs<span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: .05pt;">S</span>i<span style="letter-spacing: .15pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>ih<span style="letter-spacing: 2.15pt;"> </span>&<span style="letter-spacing: 1.95pt;"> </span>G<span style="letter-spacing: .1pt;">u</span>n<span style="letter-spacing: -.05pt;">a</span>rs<span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: 2.05pt;"> </span>Yulia.<span style="letter-spacing: 2.1pt;">
</span>2001.<span style="letter-spacing: 2.2pt;"> </span><i style="mso-bidi-font-style: normal;">Psi<span style="letter-spacing: .1pt;">k</span>ologi<span style="letter-spacing: 2.1pt;"> </span>pra<span style="letter-spacing: -.05pt;">k</span>t<span style="letter-spacing: .05pt;">i</span>s<span style="letter-spacing: 2.05pt;"> </span>ana<span style="letter-spacing: -.05pt;">k</span>,<span style="letter-spacing: 2.05pt;"> </span>r<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">m</span>aja<span style="letter-spacing: 2.05pt;"> </span>dan </i></span><i style="mso-bidi-font-style: normal;"><span style="font-size: 12.0pt; mso-ansi-language: IN;"><span style="mso-spacerun: yes;"> </span>k</span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">e</span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt;">luarga</span></i><span lang="EN-US" style="font-size: 12.0pt;">. <span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rt<span style="letter-spacing: -.05pt;">a</span>: Gunu<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>Mul<span style="letter-spacing: .05pt;">i</span>a<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">K<span style="letter-spacing: -.05pt;">e</span>k<span style="letter-spacing: -.05pt;">e</span>s,<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: .1pt;">J</span>ohn.<span style="letter-spacing: 2.05pt;"> </span>(200<span style="letter-spacing: -.05pt;">8</span>).<span style="letter-spacing: 2.05pt;"> </span><i style="mso-bidi-font-style: normal;">Enjo<span style="letter-spacing: -.05pt;">y</span>m<span style="letter-spacing: -.05pt;">e</span>nt<span style="letter-spacing: 2.05pt;"> </span>:<span style="letter-spacing: 2.0pt;"> </span>the<span style="letter-spacing: 2.0pt;"> </span>moral<span style="letter-spacing: 2.05pt;"> </span>sign<span style="letter-spacing: .05pt;">i</span>f<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">c</span>an<span style="letter-spacing: -.05pt;">c</span>e<span style="letter-spacing: 2.0pt;"> </span>of<span style="letter-spacing: 2.05pt;"> </span>styl<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: 2.05pt;"> </span>of<span style="letter-spacing: 2.05pt;"> </span>l<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.1pt;">f</span><span style="letter-spacing: .1pt;">e</span>.<span style="letter-spacing: 2.05pt;"> </span></i>N<span style="letter-spacing: -.05pt;">e</span>w</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">Yo<span style="letter-spacing: -.05pt;">r</span>k
: O<span style="letter-spacing: .1pt;">x</span>fo<span style="letter-spacing: -.05pt;">r</span>d Univ<span style="letter-spacing: -.05pt;">e</span>rsi<span style="letter-spacing: .15pt;">t</span>y<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .05pt;">P</span>r<span style="letter-spacing: -.1pt;">e</span>ss<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">Kotle<span style="letter-spacing: -.05pt;">r</span>,<span style="letter-spacing: 1.65pt;"> </span><span style="letter-spacing: .05pt;">P</span>.<span style="letter-spacing: 1.65pt;"> </span>(199<span style="letter-spacing: -.05pt;">6</span>).<span style="letter-spacing: 1.85pt;"> </span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.05pt;">M</span>ar<span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">e</span>t<span style="letter-spacing: .05pt;">i</span>ng<span style="letter-spacing: 1.65pt;"> </span>manag<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nt<span style="letter-spacing: 1.8pt;"> </span>:<span style="letter-spacing: 1.7pt;"> </span>an<span style="letter-spacing: .1pt;">a</span>lysis,<span style="letter-spacing: 1.7pt;"> </span>plann<span style="letter-spacing: .05pt;">i</span>ng,<span style="letter-spacing: 1.65pt;"> </span>imple<span style="letter-spacing: -.05pt;">m</span><span style="letter-spacing: .05pt;">e</span>nta<span style="letter-spacing: .05pt;">t</span>io<span style="letter-spacing: -.1pt;">n</span>, and <span style="letter-spacing: -.05pt;">c</span>ontro<span style="letter-spacing: .05pt;">l</span>.<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">(</span>9th e<span style="letter-spacing: .1pt;">d</span>).
</i>N<span style="letter-spacing: .05pt;">e</span>w <span style="letter-spacing: -.05pt;">Y</span>ork : Pr<span style="letter-spacing: -.1pt;">e</span>nt<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">c</span>e<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">H</span><span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">l</span>,inc.<o:p></o:p></span></div>
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<u style="text-underline: black;"><span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-spacerun: yes;"> </span></span></u><span lang="EN-US" style="font-size: 12.0pt;">.<span style="letter-spacing: 2.5pt;"> </span>(201<span style="letter-spacing: -.05pt;">2</span>).<span style="letter-spacing: 2.55pt;"> </span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .1pt;">a</span>r<span style="letter-spacing: -.05pt;">ke</span>t<span style="letter-spacing: .05pt;">i</span>ng<span style="letter-spacing: 2.5pt;"> </span>manag<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: -.05pt;">e</span>nt.<span style="letter-spacing: 2.65pt;"> </span>(<span style="letter-spacing: .05pt;">1</span>4th<span style="letter-spacing: 2.55pt;"> </span>Ed<span style="letter-spacing: -.15pt;">)</span>.<span style="letter-spacing: 2.6pt;"> </span></i><span style="letter-spacing: .1pt;">N</span><span style="letter-spacing: -.05pt;">e</span>w<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">e</span>rs<span style="letter-spacing: .15pt;">e</span>y<span style="letter-spacing: 2.25pt;"> </span>:<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: .05pt;">P</span>r<span style="letter-spacing: -.1pt;">e</span>nt<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">c</span>e</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">H<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">l</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">Kunto,<span style="letter-spacing: .1pt;"> </span>A.<span style="letter-spacing: -.05pt;">A</span>.<span style="letter-spacing: .1pt;"> </span>(199<span style="letter-spacing: -.05pt;">9</span>).<span style="letter-spacing: .1pt;"> </span><i style="mso-bidi-font-style: normal;">R<span style="letter-spacing: .05pt;">e</span>maja<span style="letter-spacing: .1pt;"> </span>tentang<span style="letter-spacing: .1pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donisme :<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">kec</span>il<span style="letter-spacing: .1pt;"> </span>bahagia,<span style="letter-spacing: .1pt;"> </span>mudafo<span style="letter-spacing: -.05pt;">y</span><span style="letter-spacing: .15pt;">a</span><span style="letter-spacing: -.05pt;">-</span>foya, tua ka<span style="letter-spacing: -.05pt;">y</span>a ra<span style="letter-spacing: -.05pt;">y</span>a, mati mas<span style="letter-spacing: .1pt;">u</span>k<span style="letter-spacing: -.05pt;"> </span>surg<span style="letter-spacing: .05pt;">a</span></i>. Yo<span style="letter-spacing: .1pt;">g</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: .05pt;">a</span>rta<span style="letter-spacing: -.05pt;"> </span>:
<span style="letter-spacing: .05pt;">P</span>T.<span style="letter-spacing: -.05pt;">Ka</span>nis<span style="letter-spacing: .05pt;">i</span>us.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.15pt;">L</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">a</span><span lang="EN-US" style="font-size: 12.0pt;">m<span style="letter-spacing: .15pt;">b</span><span style="letter-spacing: -.05pt;">e</span>rt,<span style="letter-spacing: .05pt;"> </span>E.<span style="letter-spacing: .15pt;"> </span>G., H<span style="letter-spacing: .1pt;">o</span>g<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>,<span style="letter-spacing: .05pt;"> </span>N.<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.15pt;">L</span>.,<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.1pt;">B</span><span style="letter-spacing: .05pt;">a</span>rton,<span style="letter-spacing: .05pt;"> S</span>.<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: .1pt;">M</span>.<span style="letter-spacing: .05pt;"> </span>(200<span style="letter-spacing: -.05pt;">3</span>).<span style="letter-spacing: .25pt;"> </span><span style="letter-spacing: .05pt;">C</span>ol<span style="letter-spacing: .05pt;">le</span><span style="letter-spacing: -.1pt;">g</span>iate<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .05pt;">i</span>c dishon<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .15pt;">t</span>y<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.05pt;">e</span>vis<span style="letter-spacing: .05pt;">i</span>ted:<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>wh<span style="letter-spacing: -.05pt;">a</span>t<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span>h<span style="letter-spacing: -.05pt;">a</span>ve<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span>th<span style="letter-spacing: .2pt;">e</span>y<span style="mso-spacerun: yes;"> </span>don<span style="letter-spacing: .05pt;">e</span>,<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>how<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>oft<span style="letter-spacing: -.05pt;">e</span>n<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>ve<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: .15pt;">h</span><span style="letter-spacing: .05pt;">e</span>y done <span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span>i<span style="letter-spacing: .05pt;">t</span>,<span style="mso-spacerun: yes;"> </span>who <span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span>do<span style="letter-spacing: -.05pt;">e</span>s<span style="mso-spacerun: yes;"> </span>i<span style="letter-spacing: .05pt;">t</span>,<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">a</span>nd<span style="mso-spacerun: yes;"> </span>w<span style="letter-spacing: .2pt;">h</span>y
<span style="letter-spacing: 2.65pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: .15pt;">h</span><span style="letter-spacing: .2pt;">e</span>y
<span style="letter-spacing: 2.75pt;"><span style="mso-spacerun: yes;"> </span></span>do<span style="mso-spacerun: yes;"> </span>i<span style="letter-spacing: .05pt;">t</span>?<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .3pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.05pt;">e</span>le<span style="letter-spacing: -.05pt;">c</span>tron<span style="letter-spacing: .05pt;">i</span>c <span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span>journal<span style="mso-spacerun: yes;"> </span>of so<span style="letter-spacing: -.05pt;">c</span>io<span style="letter-spacing: .05pt;">l</span>og<span style="letter-spacing: -.05pt;">y</span>.</i>7
(4<span style="letter-spacing: -.05pt;">)</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.15pt;">L</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">a</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .15pt;">n</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.1pt;">g</span><span lang="EN-US" style="font-size: 12.0pt;">,<span style="letter-spacing: .1pt;">J</span>.<span style="letter-spacing: .05pt;"> </span>M.<span style="letter-spacing: .05pt;"> </span>(201<span style="letter-spacing: -.05pt;">3</span>).<span style="letter-spacing: .05pt;"> </span><i style="mso-bidi-font-style: normal;">Ch<span style="letter-spacing: -.05pt;">e</span>at<span style="letter-spacing: .05pt;">i</span>ng<span style="letter-spacing: .05pt;"> </span>lessons:
learning<span style="letter-spacing: .05pt;"> </span>f<span style="letter-spacing: -.1pt;">r</span>om a<span style="letter-spacing: -.05pt;">c</span>ad<span style="letter-spacing: -.05pt;">e</span>mic dishon<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: .2pt;">y</span></i>.<span style="letter-spacing: .05pt;"> </span>USA:
H<span style="letter-spacing: -.05pt;">a</span>rvard <span style="letter-spacing: -.05pt;">U</span>nive<span style="letter-spacing: -.05pt;">r</span>si<span style="letter-spacing: .3pt;">t</span>y<span style="letter-spacing: -.25pt;"> </span><span style="letter-spacing: .05pt;">P</span>r<span style="letter-spacing: -.1pt;">e</span>ss</span><span style="font-size: 12.0pt; mso-ansi-language: IN;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.15pt;">L</span><span lang="EN-US" style="font-size: 12.0pt;">in.<span style="letter-spacing: .05pt;">C</span>.,<span style="letter-spacing: .35pt;"> </span>&<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: .05pt;">W</span><span style="letter-spacing: -.05pt;">e</span>n,<span style="letter-spacing: .35pt;"> </span><span style="letter-spacing: -.15pt;">L</span>i<span style="letter-spacing: .15pt;">n</span>g<span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .1pt;">Y</span>u.<span style="letter-spacing: .25pt;"> </span>(200<span style="letter-spacing: -.05pt;">7</span>)<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .1pt;">A</span><span style="letter-spacing: -.05pt;">ca</span>d<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .05pt;">i</span>c<span style="letter-spacing: .4pt;"> </span>dishon<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: .15pt;">t</span>y in<span style="letter-spacing: .25pt;"> </span>h<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .1pt;">u</span><span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">a</span>t<span style="letter-spacing: .05pt;">i</span>on:<span style="letter-spacing: .25pt;"> </span>a n<span style="letter-spacing: -.05pt;">a</span>t<span style="letter-spacing: .05pt;">i</span>onwide<span style="letter-spacing: -.05pt;">
</span>stu<span style="letter-spacing: .15pt;">d</span>y<span style="letter-spacing: -.2pt;"> </span>in T<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;">w</span><span style="letter-spacing: -.05pt;">a</span>n.
<i style="mso-bidi-font-style: normal;">R<span style="letter-spacing: -.05pt;">e</span>as<span style="letter-spacing: -.05pt;">e</span>a<span style="letter-spacing: .1pt;">r</span><span style="letter-spacing: -.05pt;">c</span>h in Higher<span style="letter-spacing: .1pt;"> </span>Edu<span style="letter-spacing: -.05pt;">c</span>at<span style="letter-spacing: .05pt;">i</span>on, 54, 8<span style="letter-spacing: .1pt;">5</span><span style="letter-spacing: -.05pt;">-</span>97.</i><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.15pt;">L</span><span lang="EN-US" style="font-size: 12.0pt;">op<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .05pt;">z</span>, <span style="letter-spacing: 1.45pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">S</span>h<span style="letter-spacing: -.05pt;">a</span>ne <span style="letter-spacing: 1.4pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .1pt;">J</span>.
<span style="letter-spacing: 1.45pt;"><span style="mso-spacerun: yes;"> </span></span>(200<span style="letter-spacing: -.05pt;">9</span>).<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 2.95pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: .05pt;">T</span>he <span style="letter-spacing: 1.4pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">c</span><span style="letter-spacing: .05pt;">y</span><span style="letter-spacing: -.05pt;">c</span>lopedia <span style="letter-spacing: 1.55pt;"><span style="mso-spacerun: yes;"> </span></span>of <span style="letter-spacing: 1.45pt;"><span style="mso-spacerun: yes;"> </span></span>posit<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">v</span>e <span style="letter-spacing: 1.4pt;"><span style="mso-spacerun: yes;"> </span></span>ps<span style="letter-spacing: -.05pt;">yc</span>holog<span style="letter-spacing: .1pt;">y</span></i>. <span style="letter-spacing: 1.55pt;"><span style="mso-spacerun: yes;"> </span></span>United</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">Kin<span style="letter-spacing: -.1pt;">g</span>dom :<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.1pt;">B</span>l<span style="letter-spacing: .1pt;">a</span><span style="letter-spacing: -.05pt;">c</span>kw<span style="letter-spacing: -.05pt;">e</span>ll<span style="letter-spacing: .05pt;"> P</span><span style="letter-spacing: .1pt;">u</span>bl<span style="letter-spacing: .05pt;">i</span>shing
<span style="letter-spacing: -.25pt;">L</span>td.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">Nis<span style="letter-spacing: -.05pt;">a</span>k,<span style="letter-spacing: .1pt;"> </span>Kh<span style="letter-spacing: -.05pt;">a</span>ir<span style="letter-spacing: -.05pt;">a</span>tun.<span style="letter-spacing: .1pt;"> </span>(201<span style="letter-spacing: .05pt;">4)</span>.<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>rb<span style="letter-spacing: -.1pt;">e</span>d<span style="letter-spacing: -.05pt;">aa</span>n<span style="letter-spacing: .3pt;"> </span>g<span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .05pt;"> </span>hidup<span style="letter-spacing: .2pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donisme<span style="letter-spacing: .05pt;">
</span>mah<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;">s</span>wa <span style="letter-spacing: .1pt;">p</span>siko<span style="letter-spacing: .05pt;">l</span>o<span style="letter-spacing: -.1pt;">g</span>i
<span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="mso-spacerun: yes;"> </span>t<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>l
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>di
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>kos
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>t<span style="letter-spacing: .05pt;">i</span>ng<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>l <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>di <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>rum<span style="letter-spacing: -.05pt;">a</span>h
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span>or<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span>tu<span style="letter-spacing: .2pt;">a</span>.
<span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">S<span style="letter-spacing: -.05pt;">k</span>rip<span style="letter-spacing: .05pt;">s</span>i. <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span></i>Riau<span style="mso-spacerun: yes;"> </span>: Univ<span style="letter-spacing: -.05pt;">e</span>rsitas<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.15pt;">I</span>slam
N<span style="letter-spacing: .05pt;">e</span>g<span style="letter-spacing: -.05pt;">e</span>ri<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">S</span>ul<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>n
<span style="letter-spacing: .15pt;">S</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>rif<span style="letter-spacing: 2.95pt;"> </span><span style="letter-spacing: .1pt;">K</span><span style="letter-spacing: -.05pt;">a</span>sim<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">Nu<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>ntoro,<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: -.1pt;">B</span><span style="letter-spacing: .1pt;">u</span>rh<span style="letter-spacing: -.1pt;">a</span>n.<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: .05pt;">(</span>2012<span style="letter-spacing: -.05pt;">)</span>.<span style="letter-spacing: .6pt;"> </span><i style="mso-bidi-font-style: normal;">Sta<span style="letter-spacing: .05pt;">t</span>is<span style="letter-spacing: .05pt;">t</span>ik<span style="letter-spacing: .5pt;"> </span>terapan<span style="letter-spacing: .35pt;"> </span>untuk<span style="letter-spacing: .45pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>t<span style="letter-spacing: .05pt;">i</span>an<span style="letter-spacing: .55pt;"> </span>i<span style="letter-spacing: .05pt;">l</span>mu<span style="letter-spacing: -.05pt;">-</span>i<span style="letter-spacing: .05pt;">l</span>mu<span style="letter-spacing: .45pt;"> </span>sos<span style="letter-spacing: .05pt;">i</span>a<span style="letter-spacing: -.05pt;">l</span></i>.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">Yo<span style="letter-spacing: .1pt;">g</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rta<span style="letter-spacing: -.05pt;"> </span>:<span style="letter-spacing: .15pt;"> </span>Univ<span style="letter-spacing: -.05pt;">e</span>rsitas<span style="letter-spacing: .1pt;"> </span>G<span style="letter-spacing: -.05pt;">a</span>djah
M<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: .05pt;"> P</span>r<span style="letter-spacing: -.1pt;">e</span>ss.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">P</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">e</span><span lang="EN-US" style="font-size: 12.0pt;">t<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>r,<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: .1pt;">J</span>.<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: .05pt;">P</span>.<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: .45pt;"> </span>Olson,<span style="letter-spacing: .5pt;"> </span><span style="letter-spacing: .1pt;">J</span>.<span style="letter-spacing: .35pt;"> </span>C.(20<span style="letter-spacing: -.05pt;">1</span>0)<span style="letter-spacing: .15pt;">.</span><i style="mso-bidi-font-style: normal;">Consum<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: .5pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">h</span>a<span style="letter-spacing: -.05pt;">v</span>io<span style="letter-spacing: .25pt;">r</span>&<span style="letter-spacing: .15pt;"> </span>ma<span style="letter-spacing: .1pt;">r</span><span style="letter-spacing: -.05pt;">ke</span>t<span style="letter-spacing: .05pt;">i</span>ng<span style="letter-spacing: .45pt;"> </span>st<span style="letter-spacing: .05pt;">r</span>ateg<span style="letter-spacing: .05pt;">y</span></i>.<span style="letter-spacing: .6pt;"> </span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.15pt;">(</span>9<sup>th</sup></i></span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt;">Ed<span style="letter-spacing: -.15pt;">)</span></span></i><span lang="EN-US" style="font-size: 12.0pt;">.<span style="letter-spacing: .1pt;"> </span>N<span style="letter-spacing: -.05pt;">e</span>w <span style="letter-spacing: -.05pt;">Y</span><span style="letter-spacing: .1pt;">o</span>rk : M<span style="letter-spacing: -.05pt;">c</span>G<span style="letter-spacing: .05pt;">raw</span><span style="letter-spacing: -.05pt;">-</span>Hill<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">P</span><span lang="EN-US" style="font-size: 12.0pt;">robo<span style="letter-spacing: -.05pt;">v</span>u<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.25pt;">y</span>,RA.
(201<span style="letter-spacing: -.05pt;">5</span>).<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>ruh<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .25pt;">n</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>la<span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .1pt;">u</span>n<span style="letter-spacing: -.05pt;">aa</span>n
teknolo<span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .05pt;"> </span>info<span style="letter-spacing: -.05pt;">r</span><span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;"> </span>d<span style="letter-spacing: -.05pt;">a</span>n
in<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: -.1pt;">g</span>rit<span style="letter-spacing: -.05pt;">a</span>s<span style="mso-spacerun: yes;"> </span>ma<span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;">s</span>wa<span style="letter-spacing: 2.9pt;"> </span>te<span style="letter-spacing: .05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="mso-spacerun: yes;"> </span>p<span style="letter-spacing: .05pt;">e</span>ril<span style="letter-spacing: -.05pt;">a</span>ku<span style="mso-spacerun: yes;">
</span>k<span style="letter-spacing: -.05pt;">ec</span><span style="letter-spacing: .1pt;">u</span>r<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .05pt;">i</span>k<span style="mso-spacerun: yes;"> </span>mah<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;">s</span>wa <span style="letter-spacing: -.05pt;">a</span>kuntansi<span style="letter-spacing: .05pt;"> </span>s<span style="letter-spacing: -.05pt;">e</span>b<span style="letter-spacing: .05pt;">a</span>g<span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">ca</span>lon<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.05pt;">a</span>kuntan.<span style="letter-spacing: .1pt;"> </span><i style="mso-bidi-font-style: normal;">S<span style="letter-spacing: -.05pt;">k</span>rip<span style="letter-spacing: .05pt;">s</span>i.<span style="letter-spacing: .1pt;"> </span></i>Y<span style="letter-spacing: .1pt;">og</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rta :<span style="letter-spacing: .05pt;"> </span>Univ<span style="letter-spacing: .05pt;">e</span>rsitas<span style="letter-spacing: .05pt;"> </span>N<span style="letter-spacing: .05pt;">e</span>g<span style="letter-spacing: .05pt;">e</span>ri
Yo<span style="letter-spacing: .1pt;">g</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rt<span style="letter-spacing: -.05pt;">a</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">R<span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>rjo, <span style="letter-spacing: .05pt;">S</span>up<span style="letter-spacing: -.05pt;">a</span>rto.<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">(</span>2010<span style="letter-spacing: -.05pt;">)</span>.<span style="letter-spacing: .1pt;"> </span><i style="mso-bidi-font-style: normal;">Ki<span style="letter-spacing: .05pt;"> </span>hajar
d<span style="letter-spacing: -.05pt;">e</span>wantara bio<span style="letter-spacing: -.1pt;">g</span>rafi<span style="letter-spacing: .05pt;"> </span>singkat<span style="letter-spacing: .1pt;"> </span>1889<span style="letter-spacing: -.05pt;">-</span>195<span style="letter-spacing: .05pt;">9</span></i>.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .1pt;">J</span><span lang="EN-US" style="font-size: 12.0pt;">o<span style="letter-spacing: -.1pt;">g</span>jak<span style="letter-spacing: -.05pt;">a</span>rt<span style="letter-spacing: -.05pt;">a</span>:
G<span style="letter-spacing: .05pt;">a</span>r<span style="letter-spacing: -.1pt;">a</span>si.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">R<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: -.1pt;">g</span>kut<span style="letter-spacing: .05pt;">i</span>,<span style="letter-spacing: 2.05pt;"> </span>An<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: 2.1pt;"> </span>(201<span style="letter-spacing: .05pt;">5</span>).<span style="letter-spacing: 2.1pt;"> </span>K<i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.05pt;">ec</span>urangan<span style="letter-spacing: 2.15pt;">
</span>a<span style="letter-spacing: -.05pt;">k</span>a<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">e</span>mik<span style="letter-spacing: 2.1pt;"> </span>pada<span style="letter-spacing: 2.05pt;"> </span>mahasis<span style="letter-spacing: .05pt;">w</span>a<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -.05pt;">ke</span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .1pt;">d</span>id<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">k</span>a<span style="letter-spacing: .15pt;">n</span>.</i><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">Diunduh<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .65pt;"><span style="mso-spacerun: yes;"> </span></span>15<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>ptemb<span style="letter-spacing: -.05pt;">e</span>r<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .55pt;"><span style="mso-spacerun: yes;"> </span></span>2017<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .6pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>ri<o:p></o:p></span></div>
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<span lang="EN-US"><a href="https://www.kompasiana.com/anna_rangkuti%20/kecurangan-akademik-pada-mahasiswa-kependidikan_5510bfb5a33311c339ba8bca"><span style="color: windowtext; font-size: 12.0pt; letter-spacing: -.05pt; mso-fareast-font-family: Calibri;">h</span><span style="color: windowtext; font-size: 12.0pt; mso-fareast-font-family: Calibri;">t<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">p</span>s<span style="letter-spacing: .05pt;">:</span><span style="letter-spacing: -.05pt;">//</span>w<span style="letter-spacing: .05pt;">w</span>w<span style="letter-spacing: -.1pt;">.</span>k<span style="letter-spacing: -.05pt;">o</span><span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">p</span>asia<span style="letter-spacing: -.05pt;">n</span>a.<span style="letter-spacing: -.15pt;">c</span><span style="letter-spacing: .05pt;">o</span><span style="letter-spacing: -.05pt;">m</span><span style="letter-spacing: .05pt;">/</span>a<span style="letter-spacing: -.05pt;">n</span><span style="letter-spacing: .05pt;">n</span>a_ra<span style="letter-spacing: -.05pt;">ng</span>kuti<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 1.35pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">/</span>k<span style="letter-spacing: .05pt;">e</span>cu<span style="letter-spacing: -.05pt;">r</span>a<span style="letter-spacing: -.05pt;">ng</span>an-aka<span style="letter-spacing: -.05pt;">d</span><span style="letter-spacing: -.1pt;">e</span><span style="letter-spacing: .05pt;">m</span>i<span style="letter-spacing: .05pt;">k</span>-<span style="letter-spacing: -.05pt;">p</span>a<span style="letter-spacing: -.15pt;">d</span>a</span></a><span style="mso-field-code: " HYPERLINK \\h ";"><u style="text-underline: black;"><span style="font-size: 12.0pt; mso-fareast-font-family: Calibri;">-</span></u><span style="font-size: 12.0pt; mso-fareast-font-family: Calibri;"> </span></span><a href="https://www.kompasiana.com/anna_rangkuti%20/kecurangan-akademik-pada-mahasiswa-kependidikan_5510bfb5a33311c339ba8bca"><span style="color: windowtext; font-size: 12.0pt; letter-spacing: .05pt; mso-fareast-font-family: Calibri;">m</span><span style="color: windowtext; font-size: 12.0pt; mso-fareast-font-family: Calibri;">a<span style="letter-spacing: -.05pt;">h</span>asis<span style="letter-spacing: -.1pt;">w</span>a-k<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">p</span>en<span style="letter-spacing: -.05pt;">d</span>i<span style="letter-spacing: -.05pt;">d</span>ika<span style="letter-spacing: -.05pt;">n</span><span style="letter-spacing: -.1pt;">_</span><span style="letter-spacing: .05pt;">5</span><span style="letter-spacing: -.1pt;">5</span><span style="letter-spacing: .05pt;">10</span><span style="letter-spacing: -.05pt;">b</span>f<span style="letter-spacing: -.05pt;">b</span><span style="letter-spacing: .05pt;">5</span><span style="letter-spacing: -.15pt;">a</span><span style="letter-spacing: -.1pt;">3</span><span style="letter-spacing: .05pt;">3</span><span style="letter-spacing: -.1pt;">3</span><span style="letter-spacing: .05pt;">11</span><span style="letter-spacing: -.1pt;">c</span><span style="letter-spacing: .05pt;">3</span><span style="letter-spacing: -.1pt;">3</span><span style="letter-spacing: .05pt;">9</span><span style="letter-spacing: -.05pt;">b</span>a8<span style="letter-spacing: -.15pt;">b</span></span></a><span style="mso-field-code: " HYPERLINK \\h ";"><u style="text-underline: black;"><span style="font-size: 12.0pt; mso-fareast-font-family: Calibri;">ca</span></u></span></span><span lang="EN-US" style="font-size: 12.0pt; mso-fareast-font-family: Calibri;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">R<span style="letter-spacing: -.05pt;">a</span>ni,<span style="letter-spacing: .3pt;"> </span>Y<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span>y
Chin<span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>.<span style="letter-spacing: .25pt;"> </span>(<span style="letter-spacing: .05pt;">2</span>016).<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>ruh<span style="letter-spacing: .55pt;"> </span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .2pt;">a</span><span style="letter-spacing: -.25pt;">y</span>a<span style="letter-spacing: .2pt;"> </span>h<span style="letter-spacing: .15pt;">i</span>dup<span style="letter-spacing: .25pt;"> </span>h<span style="letter-spacing: -.05pt;">e</span>donisme<span style="letter-spacing: .25pt;">
</span>te<span style="letter-spacing: -.05pt;">r</span>h<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">a</span>p<span style="letter-spacing: .35pt;"> </span>pr<span style="letter-spacing: -.1pt;">e</span>stasi
b<span style="letter-spacing: -.05pt;">e</span>laj<span style="letter-spacing: -.05pt;">a</span>r m<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">h</span><span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;">s</span>w<span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .05pt;"> </span><i style="mso-bidi-font-style: normal;">S<span style="letter-spacing: -.05pt;">k</span>ip<span style="letter-spacing: .15pt;">s</span><span style="letter-spacing: .05pt;">i</span></i>. <span style="letter-spacing: -.1pt;">B</span><span style="letter-spacing: -.05pt;">a</span>ndu<span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;"> </span>: Unive<span style="letter-spacing: -.05pt;">r</span>si<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">a</span>s<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">a</span>sund<span style="letter-spacing: -.05pt;">a</span>n<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">a</span><span lang="EN-US" style="font-size: 12.0pt;">ntro<span style="letter-spacing: -.05pt;">c</span>k,<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: .1pt;">J</span>ohn<span style="letter-spacing: .45pt;"> </span><span style="letter-spacing: .05pt;">W</span>.<span style="letter-spacing: .45pt;"> </span>(200<span style="letter-spacing: -.15pt;">7</span>).<span style="letter-spacing: .55pt;"> </span><i style="mso-bidi-font-style: normal;">Adol<span style="letter-spacing: -.05pt;">e</span>s<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: .05pt;">c</span><span style="letter-spacing: -.05pt;">e</span>,<span style="letter-spacing: .6pt;"> </span><span style="letter-spacing: -.15pt;">(</span>11th<span style="letter-spacing: .5pt;"> </span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span>),<span style="letter-spacing: .6pt;"> </span></i>di<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rj<span style="letter-spacing: -.05pt;">e</span>mahk<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .45pt;"> </span>oleh<span style="letter-spacing: .55pt;"> </span><span style="letter-spacing: -.1pt;">B</span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: .05pt;">e</span>dictine</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">W</span><span lang="EN-US" style="font-size: 12.0pt;">i<span style="letter-spacing: .15pt;">d</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>sin<span style="letter-spacing: .05pt;">t</span>a<span style="letter-spacing: -.05pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n
judul<span style="letter-spacing: .15pt;"> </span>R<span style="letter-spacing: -.05pt;">e</span>maj<span style="letter-spacing: -.05pt;">a</span>, <span style="letter-spacing: -.05pt;">e</span>disi<span style="letter-spacing: .05pt;"> </span>11,
j<span style="letter-spacing: .05pt;">i</span>l<span style="letter-spacing: .05pt;">i</span>d
2.<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rta<span style="letter-spacing: -.05pt;"> </span>: Erl<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>a<o:p></o:p></span></div>
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<u style="text-underline: black;"><span lang="EN-US" style="font-size: 12.0pt;"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 2;"> </span></span></u><span lang="EN-US" style="font-size: 12.0pt;">.<span style="letter-spacing: 1.3pt;"> </span>(200<span style="letter-spacing: -.05pt;">7</span>)<span style="letter-spacing: 1.35pt;"> </span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: .05pt;">L</span>i<span style="letter-spacing: .05pt;">f</span>e<span style="letter-spacing: -.05pt;">-</span>span<span style="letter-spacing: 1.3pt;"> </span>d<span style="letter-spacing: -.05pt;">eve</span>lopm<span style="letter-spacing: .05pt;">e</span>nt,<span style="letter-spacing: 1.4pt;"> </span><span style="letter-spacing: -.15pt;">(</span>3th<span style="letter-spacing: 1.35pt;"> </span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.15pt;">)</span></i>,<span style="letter-spacing: 1.3pt;"> </span>di<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.05pt;">e</span>rj<span style="letter-spacing: -.05pt;">e</span>mah<span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 1.3pt;"> </span>oleh
<span style="letter-spacing: -.1pt;">B</span><span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>d<span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.05pt;">c</span>t<span style="letter-spacing: .05pt;">i</span>ne
<span style="letter-spacing: .05pt;">W</span>i<span style="letter-spacing: .15pt;">d</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>sin<span style="letter-spacing: .05pt;">t</span>a<span style="letter-spacing: .1pt;"> </span>d<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .2pt;"> </span>judul<span style="letter-spacing: .1pt;"> p</span><span style="letter-spacing: -.05pt;">e</span>rk<span style="letter-spacing: -.1pt;">e</span>mba<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: .15pt;"> </span>masa<span style="letter-spacing: .1pt;"> h</span>idup,<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.05pt;">e</span>disi<span style="letter-spacing: .1pt;"> 1</span>3,
j<span style="letter-spacing: .05pt;">i</span>l<span style="letter-spacing: .05pt;">i</span>d
1.<span style="letter-spacing: -.1pt;"> </span><span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rta<span style="letter-spacing: -.05pt;"> </span>: Erl<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.1pt;">g</span>a<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">S</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">c</span><span lang="EN-US" style="font-size: 12.0pt;">hul<span style="letter-spacing: .05pt;">t</span>z<span style="letter-spacing: 2.2pt;"> </span>&<span style="letter-spacing: 1.95pt;"> </span><span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">c</span>hul<span style="letter-spacing: .05pt;">t</span>z<span style="letter-spacing: 2.1pt;"> </span>(201<span style="letter-spacing: -.05pt;">3</span>)<span style="letter-spacing: .1pt;">.</span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: .05pt;">T</span>h<span style="letter-spacing: -.05pt;">e</span>ories<span style="letter-spacing: 2.15pt;">
</span>of<span style="letter-spacing: 2.2pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>rsona<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.1pt;">i</span>ty</i>.<span style="letter-spacing: 2.15pt;">
</span>(10th<span style="letter-spacing: 2.15pt;"> </span><span style="letter-spacing: -.05pt;">e</span>d).<span style="letter-spacing: 2.1pt;"> </span>USA:<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: .05pt;">W</span><span style="letter-spacing: -.05pt;">a</span>dswo<span style="letter-spacing: -.05pt;">r</span>th</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">C<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .05pt;">a</span>ge<span style="letter-spacing: .05pt;"> </span><span style="letter-spacing: -.15pt;">L</span><span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.05pt;">a</span>rni<span style="letter-spacing: .1pt;">n</span>g<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">S</span><span lang="EN-US" style="font-size: 12.0pt;">i<span style="letter-spacing: .05pt;">m</span><span style="letter-spacing: -.05pt;">a</span>tupan<span style="letter-spacing: -.15pt;">g</span>,<span style="letter-spacing: 2.5pt;"> </span>Ria<span style="letter-spacing: 2.6pt;"> </span><span style="letter-spacing: -.05pt;">F</span>O.<span style="letter-spacing: 2.6pt;"> </span>(<span style="letter-spacing: .05pt;">2</span>014).<span style="letter-spacing: 2.45pt;"> </span>Hubu<span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.8pt;"> </span><span style="letter-spacing: -.05pt;">a</span>nta<span style="letter-spacing: .05pt;">r</span>a<span style="letter-spacing: 2.6pt;"> </span>k<span style="letter-spacing: -.05pt;">ec</span>ur<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .1pt;">n</span>g<span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.65pt;"> </span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>d<span style="letter-spacing: -.05pt;">e</span>m<span style="letter-spacing: .05pt;">i</span>k<span style="letter-spacing: 2.5pt;"> </span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.05pt;">a</span>n<span style="letter-spacing: 2.5pt;"> </span>t<span style="letter-spacing: .05pt;">i</span>pe ni<span style="letter-spacing: .05pt;">l</span><span style="letter-spacing: -.05pt;">a</span>i<span style="letter-spacing: .1pt;"> </span>s<span style="letter-spacing: -.05pt;">c</span>hw<span style="letter-spacing: -.05pt;">a</span>rtz<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">a</span>da
<span style="letter-spacing: .15pt;">m</span><span style="letter-spacing: -.05pt;">a</span>h<span style="letter-spacing: -.05pt;">a</span>si<span style="letter-spacing: .05pt;">s</span>wa
univ<span style="letter-spacing: .1pt;">e</span>rsitas<span style="letter-spacing: .2pt;"> </span>indonesi<span style="letter-spacing: -.05pt;">a</span>.<span style="letter-spacing: .05pt;"> </span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.05pt;">J</span>urna<span style="letter-spacing: .05pt;">l</span></i>.<span style="letter-spacing: .05pt;"> </span>D<span style="letter-spacing: -.05pt;">e</span>pok<span style="letter-spacing: .15pt;"> </span>: Univ<span style="letter-spacing: -.05pt;">e</span>rsitas<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.15pt;">I</span>ndon<span style="letter-spacing: -.05pt;">e</span>sia.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">S</span><span lang="EN-US" style="font-size: 12.0pt;">isw<span style="letter-spacing: .1pt;">o</span><span style="letter-spacing: -.25pt;">y</span>o<i style="mso-bidi-font-style: normal;">, </i>Dwi.
(20<span style="letter-spacing: -.05pt;">0</span>7).<span style="letter-spacing: .2pt;"> </span><span style="letter-spacing: -.15pt;">I</span><span style="letter-spacing: .15pt;">l</span>mu<span style="letter-spacing: .1pt;"> </span>p<span style="letter-spacing: -.05pt;">e</span>ndid<span style="letter-spacing: .05pt;">i</span>k<span style="letter-spacing: -.05pt;">a</span>n. Yo<span style="letter-spacing: .1pt;">g</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>k<span style="letter-spacing: .05pt;">a</span>rt<span style="letter-spacing: -.05pt;">a</span>:
UNY<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">P</span>r<span style="letter-spacing: -.1pt;">e</span>ss.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">S</span><span lang="EN-US" style="font-size: 12.0pt;">olo<span style="letter-spacing: .05pt;">m</span>on,<span style="letter-spacing: 1.05pt;"> </span>M<span style="letter-spacing: -.1pt;">.</span>R.<span style="letter-spacing: 1.05pt;"> </span>(200<span style="letter-spacing: -.05pt;">7</span>)<span style="letter-spacing: 1.0pt;"> </span><i style="mso-bidi-font-style: normal;">Consum<span style="letter-spacing: -.05pt;">e</span>r<span style="letter-spacing: 1.1pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>ha<span style="letter-spacing: -.05pt;">v</span>ior<span style="letter-spacing: 1.1pt;"> </span>:<span style="letter-spacing: 1.05pt;"> </span>bu<span style="letter-spacing: -.05pt;">y</span>ing,<span style="letter-spacing: 1.1pt;"> </span>ha<span style="letter-spacing: -.05pt;">v</span>ing,<span style="letter-spacing: 1.1pt;"> </span>and<span style="letter-spacing: 1.05pt;"> </span>b<span style="letter-spacing: -.05pt;">e</span>ing<span style="letter-spacing: 1.1pt;"> </span><span style="letter-spacing: -.15pt;">(</span>8th<span style="letter-spacing: 1.1pt;"> </span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: -.15pt;">)</span></i>.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">N<span style="letter-spacing: -.05pt;">e</span>w
<span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">e</span>rs<span style="letter-spacing: .15pt;">e</span><span style="letter-spacing: -.25pt;">y</span>:
<span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">ea</span>rso<span style="letter-spacing: .05pt;">n</span><span style="letter-spacing: -.05pt;">-</span><span style="letter-spacing: .05pt;">Pre</span>nt<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">c</span>e<span style="letter-spacing: -.05pt;"> </span>H<span style="letter-spacing: -.05pt;">a</span>l<span style="letter-spacing: .05pt;">l</span>.<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">S</span><span lang="EN-US" style="font-size: 12.0pt;">u<span style="letter-spacing: -.1pt;">g</span><span style="letter-spacing: .15pt;">i</span><span style="letter-spacing: -.25pt;">y</span>ono.<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.15pt;"><span style="mso-spacerun: yes;"> </span></span>(201<span style="letter-spacing: .05pt;">7</span>).<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.2pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.05pt;">M</span><span style="letter-spacing: .05pt;">e</span>tode<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.1pt;"><span style="mso-spacerun: yes;"> </span></span>P<span style="letter-spacing: -.05pt;">e</span>n<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>t<span style="letter-spacing: .05pt;">i</span>an<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.2pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.1pt;">i</span>dikan<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: 2.1pt;"><span style="mso-spacerun: yes;"> </span></span>p<span style="letter-spacing: -.05pt;">e</span>nd<span style="letter-spacing: -.05pt;">ek</span>atan<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: 2.15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">k</span>u<span style="letter-spacing: .1pt;">a</span>nt<span style="letter-spacing: .05pt;">i</span>ta<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: -.05pt;">f</span>,
</i></span><i style="mso-bidi-font-style: normal;"><span style="font-size: 12.0pt; mso-ansi-language: IN;"><span style="mso-spacerun: yes;"> </span>k</span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt;">ual<span style="letter-spacing: .05pt;">i</span>ta<span style="letter-spacing: .05pt;">t</span>i<span style="letter-spacing: .05pt;">f</span>,<span style="letter-spacing: .05pt;"> </span>dan
<span style="letter-spacing: .1pt;">R</span><span style="letter-spacing: -.35pt;">&</span>D</span></i><span lang="EN-US" style="font-size: 12.0pt;">.<span style="letter-spacing: .1pt;"> </span><span style="letter-spacing: -.1pt;">B</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">n</span>dung<span style="letter-spacing: -.1pt;"> </span>:
<span style="letter-spacing: .05pt;">C</span>V <span style="letter-spacing: -.05pt;">A</span>lf<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">b</span><span style="letter-spacing: -.05pt;">e</span>ta<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">S</span><span lang="EN-US" style="font-size: 12.0pt;">u<span style="letter-spacing: .05pt;">r</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">b</span>r<span style="letter-spacing: -.1pt;">a</span>ta,
<span style="letter-spacing: 2.35pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">S</span>umadi. <span style="letter-spacing: 2.25pt;"><span style="mso-spacerun: yes;"> </span></span>(<span style="letter-spacing: .05pt;">2</span>012).
<span style="letter-spacing: 2.35pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">Psikologi <span style="letter-spacing: 2.3pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">k</span><span style="letter-spacing: -.05pt;">e</span>pribadian. <span style="letter-spacing: 2.35pt;"><span style="mso-spacerun: yes;"> </span></span></i><span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rt<span style="letter-spacing: -.05pt;">a</span>:
<span style="letter-spacing: 2.3pt;"><span style="mso-spacerun: yes;"> </span></span>R<span style="letter-spacing: -.05pt;">a</span>ja <span style="letter-spacing: 2.35pt;"><span style="mso-spacerun: yes;"> </span></span>G<span style="letter-spacing: -.05pt;">ra</span>findo</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">P</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">e</span><span lang="EN-US" style="font-size: 12.0pt;">rs<span style="letter-spacing: -.05pt;">a</span>da<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">S</span><span lang="EN-US" style="font-size: 12.0pt;">ut<span style="letter-spacing: .15pt;">o</span><span style="letter-spacing: -.35pt;">y</span>o,<span style="letter-spacing: .1pt;"> </span>An<span style="letter-spacing: -.05pt;">w</span><span style="letter-spacing: .05pt;">a</span>r.
<span style="letter-spacing: -.05pt;">(</span>2014<span style="letter-spacing: -.05pt;">)</span>.<span style="letter-spacing: .2pt;"> </span><i style="mso-bidi-font-style: normal;">P<span style="letter-spacing: -.05pt;">e</span>maha<span style="letter-spacing: -.05pt;">m</span>an individu</i>. <span style="letter-spacing: .1pt;">Y</span>o<span style="letter-spacing: .1pt;">g</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .1pt;">k</span><span style="letter-spacing: -.05pt;">a</span>rta:
<span style="letter-spacing: .05pt;">P</span>ustaka<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: -.05pt;">e</span>la<span style="letter-spacing: .1pt;">j</span><span style="letter-spacing: -.05pt;">a</span>r</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">V<span style="letter-spacing: -.05pt;">a</span>nd<span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.1pt;">B</span>os,
<span style="letter-spacing: 3.0pt;"><span style="mso-spacerun: yes;"> </span></span>G.R.<span style="mso-spacerun: yes;"> </span>(<span style="letter-spacing: -.05pt;">E</span>d<span style="letter-spacing: .05pt;">)</span>.<span style="mso-spacerun: yes;">
</span>(201<span style="letter-spacing: -.05pt;">5</span>).<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">APA<span style="mso-spacerun: yes;"> </span>dictionary<span style="mso-spacerun: yes;">
</span>of<span style="mso-spacerun: yes;"> </span>ps<span style="letter-spacing: -.05pt;">yc</span>hology</i>.<span style="mso-spacerun: yes;"> </span>(2th<span style="mso-spacerun: yes;"> </span><span style="letter-spacing: -.05pt;">e</span>d).</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">W</span><span lang="EN-US" style="font-size: 12.0pt; letter-spacing: -.05pt;">a</span><span lang="EN-US" style="font-size: 12.0pt;">shin<span style="letter-spacing: -.1pt;">g</span>ton
DC: Ame<span style="letter-spacing: -.05pt;">r</span>i<span style="letter-spacing: .1pt;">c</span><span style="letter-spacing: -.05pt;">a</span>n <span style="letter-spacing: .05pt;">P</span><span style="letter-spacing: .1pt;">s</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">c</span>hol<span style="letter-spacing: .15pt;">o</span><span style="letter-spacing: -.1pt;">g</span>i<span style="letter-spacing: .1pt;">c</span><span style="letter-spacing: -.05pt;">a</span>l
Associ<span style="letter-spacing: .05pt;">a</span>t<span style="letter-spacing: .05pt;">i</span>on<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">W</span><span lang="EN-US" style="font-size: 12.0pt;">hi<span style="letter-spacing: .05pt;">t</span>n<span style="letter-spacing: .05pt;">e</span><span style="letter-spacing: -.35pt;">y</span>,
<span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.1pt;">B</span>.E. <span style="letter-spacing: .2pt;"><span style="mso-spacerun: yes;"> </span></span>&<span style="mso-spacerun: yes;">
</span><span style="letter-spacing: .05pt;">S</span>pi<span style="letter-spacing: .1pt;">e</span>g<span style="letter-spacing: -.05pt;">e</span>l, <span style="letter-spacing: .15pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: .05pt;">P</span>.K. <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>(200<span style="letter-spacing: -.05pt;">2</span>).
<span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><i style="mso-bidi-font-style: normal;">A<span style="letter-spacing: -.05pt;">c</span>a<span style="letter-spacing: .1pt;">d</span><span style="letter-spacing: .05pt;">e</span>mic
<span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>dishon<span style="letter-spacing: -.05pt;">e</span>sty <span style="letter-spacing: .1pt;"><span style="mso-spacerun: yes;"> </span></span>: <span style="letter-spacing: .05pt;"><span style="mso-spacerun: yes;"> </span></span>an <span style="letter-spacing: .25pt;"><span style="mso-spacerun: yes;"> </span></span><span style="letter-spacing: -.05pt;">e</span><span style="letter-spacing: .1pt;">d</span>u<span style="letter-spacing: -.05pt;">c</span>ator’s</i></span><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span></i><i style="mso-bidi-font-style: normal;"><span lang="EN-US" style="font-size: 12.0pt;">guide</span></i><span lang="EN-US" style="font-size: 12.0pt;">. USA:<span style="letter-spacing: .15pt;"> </span><span style="letter-spacing: -.15pt;">L</span><span style="letter-spacing: -.05pt;">a</span>w<span style="letter-spacing: -.05pt;">re</span><span style="letter-spacing: .1pt;">n</span><span style="letter-spacing: -.05pt;">c</span>e<span style="letter-spacing: -.05pt;"> </span><span style="letter-spacing: .1pt;">E</span>rlb<span style="letter-spacing: -.05pt;">a</span>um
Associ<span style="letter-spacing: -.05pt;">a</span>tes<span style="letter-spacing: .1pt;">,</span><span style="letter-spacing: -.15pt;">I</span><span style="letter-spacing: .1pt;">n</span>c<o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt; letter-spacing: .05pt;">W</span><span lang="EN-US" style="font-size: 12.0pt;">i<span style="letter-spacing: .05pt;">ja</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: -.05pt;">a</span>nt<span style="letter-spacing: .05pt;">i</span>,<span style="letter-spacing: 2.05pt;"> </span>D.M.<span style="letter-spacing: 2.1pt;"> </span>(201<span style="letter-spacing: -.05pt;">7</span>).<span style="letter-spacing: 2.25pt;"> </span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: -.3pt;">W</span>ajah<span style="letter-spacing: 2.05pt;"> </span>bop<span style="letter-spacing: -.05pt;">e</span>ng<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: .1pt;">p</span><span style="letter-spacing: -.05pt;">e</span>ndid<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">k</span>an<span style="letter-spacing: 2.05pt;"> </span><span style="letter-spacing: -.05pt;">k</span>i<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: .1pt;">a</span></i>.<span style="letter-spacing: 2.05pt;"> </span>Diunduh<span style="letter-spacing: 2.05pt;">
</span>p<span style="letter-spacing: -.05pt;">a</span>da<span style="letter-spacing: 2.15pt;"> </span>tangg<span style="letter-spacing: -.05pt;">a</span>l</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">15<span style="letter-spacing: .05pt;">S</span><span style="letter-spacing: -.05pt;">e</span>ptemb<span style="letter-spacing: -.05pt;">e</span>r
<span style="letter-spacing: 1.85pt;"><span style="mso-spacerun: yes;"> </span></span>2017
<span style="letter-spacing: 1.9pt;"><span style="mso-spacerun: yes;"> </span></span>d<span style="letter-spacing: -.05pt;">a</span>ri<span style="mso-spacerun: yes;">
</span></span><span lang="EN-US"><a href="https://beritagar.id/artikel/telatah/wajah-bopeng-pendidikan-kita"><i style="mso-bidi-font-style: normal;"><span style="color: windowtext; font-size: 12.0pt;">ht<span style="letter-spacing: .05pt;">t</span>ps://beritagar.i<span style="letter-spacing: -.1pt;">d</span>/ar<span style="letter-spacing: .05pt;">t</span><span style="letter-spacing: -.1pt;">i</span><span style="letter-spacing: -.05pt;">ke</span>l<span style="letter-spacing: .05pt;">/</span>telatah<span style="letter-spacing: .05pt;">/</span>waja<span style="letter-spacing: .15pt;">h</span><span style="letter-spacing: -.05pt;">-</span>bop<span style="letter-spacing: -.05pt;">e</span>ng</span></i></a><span style="mso-field-code: " HYPERLINK \\h ";"><i style="mso-bidi-font-style: normal;"><u style="text-underline: black;"><span style="font-size: 12.0pt;">-</span></u></i><i style="mso-bidi-font-style: normal;"><span style="font-size: 12.0pt;"> </span></i></span><a href="https://beritagar.id/artikel/telatah/wajah-bopeng-pendidikan-kita"><i style="mso-bidi-font-style: normal;"><span style="color: windowtext; font-size: 12.0pt;">p<span style="letter-spacing: -.05pt;">e</span>ndid<span style="letter-spacing: .05pt;">i</span><span style="letter-spacing: -.05pt;">k</span>an-<span style="letter-spacing: -.05pt;">k</span>i<span style="letter-spacing: .05pt;">t</span></span></i></a><span style="mso-field-code: " HYPERLINK \\h ";"><i style="mso-bidi-font-style: normal;"><u style="text-underline: black;"><span style="font-size: 12.0pt;">a</span></u></i></span></span><span lang="EN-US" style="font-size: 12.0pt;"><o:p></o:p></span></div>
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<span lang="EN-US" style="font-size: 12.0pt;">Yusu<span style="letter-spacing: -.05pt;">f</span>,<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: .15pt;">S</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>msu.<span style="letter-spacing: 2.4pt;"> </span>(201<span style="letter-spacing: -.05pt;">0</span>).<span style="letter-spacing: 2.55pt;"> </span><i style="mso-bidi-font-style: normal;"><span style="letter-spacing: .05pt;">L</span>andasan<span style="letter-spacing: 2.4pt;"> </span>bimbingan<span style="letter-spacing: 2.4pt;">
</span>dan<span style="letter-spacing: 2.4pt;"> </span><span style="letter-spacing: -.05pt;">k</span>ons<span style="letter-spacing: -.05pt;">e</span>l<span style="letter-spacing: .05pt;">i</span>n<span style="letter-spacing: .05pt;">g</span>.<span style="letter-spacing: 2.4pt;"> </span></i><span style="letter-spacing: .1pt;">J</span><span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span>rta<span style="letter-spacing: 2.35pt;"> </span>:<span style="letter-spacing: 2.65pt;"> </span>R<span style="letter-spacing: -.05pt;">e</span>maja</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">Rosd<span style="letter-spacing: -.05pt;">a</span>k<span style="letter-spacing: -.05pt;">a</span><span style="letter-spacing: .2pt;">r</span><span style="letter-spacing: -.25pt;">y</span>a<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref1" name="_ftn1" style="mso-footnote-id: ftn1;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[1]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> Su<span style="letter-spacing: .2pt;">r</span><span style="letter-spacing: -.25pt;">y</span><span style="letter-spacing: .05pt;">a</span>br<span style="letter-spacing: -.1pt;">a</span><span style="letter-spacing: .15pt;">t</span><span style="letter-spacing: -.05pt;">a</span>,<span style="letter-spacing: .05pt;"> </span>2012</span><span style="mso-ansi-language: IN;">, h. </span><span lang="EN-US">190</span><span style="mso-ansi-language: IN;"><o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref2" name="_ftn2" style="mso-footnote-id: ftn2;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[2]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><i style="mso-bidi-font-style: normal;"><span style="mso-ansi-language: IN;">Ibid<o:p></o:p></span></i></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref3" name="_ftn3" style="mso-footnote-id: ftn3;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[3]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Fiest, 2008, h.84<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref4" name="_ftn4" style="mso-footnote-id: ftn4;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[4]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> <span style="letter-spacing: .05pt;">Sc</span>hul<span style="letter-spacing: .05pt;">t</span>z</span><span style="mso-ansi-language: IN;">, 2013, h.119<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref5" name="_ftn5" style="mso-footnote-id: ftn5;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[5]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Kotler, 2015, h.157<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref6" name="_ftn6" style="mso-footnote-id: ftn6;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[6]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Peter and Olson, 2010,
h.257<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref7" name="_ftn7" style="mso-footnote-id: ftn7;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[7]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Yanden Bos, 2015, h.487<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref8" name="_ftn8" style="mso-footnote-id: ftn8;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[8]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Solomon, 2007, h.259<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref9" name="_ftn9" style="mso-footnote-id: ftn9;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[9]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Lopez, 2009, h. 473<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref10" name="_ftn10" style="mso-footnote-id: ftn10;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[10]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">APA Dictionary Of
Psichology., 2015, h.487<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref11" name="_ftn11" style="mso-footnote-id: ftn11;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[11]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Efendy, 2012, h.106<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref12" name="_ftn12" style="mso-footnote-id: ftn12;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[12]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Kekes, 2008, h.4<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref13" name="_ftn13" style="mso-footnote-id: ftn13;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[13]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Peter and Olson, <i style="mso-bidi-font-style: normal;">Op. Cit, </i>h.369<o:p></o:p></span></div>
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<a href="file:///D:/PROJECT/gelsih/bab%202.docx#_ftnref14" name="_ftn14" style="mso-footnote-id: ftn14;" title=""><span class="MsoFootnoteReference"><span lang="EN-US"><span style="mso-special-character: footnote;"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">[14]</span></span><!--[endif]--></span></span></span></a><span lang="EN-US"> </span><span style="mso-ansi-language: IN;">Kotler, h.111<o:p></o:p></span></div>
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LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-92126686831670841662020-03-07T00:40:00.007-08:002022-10-26T06:25:55.116-07:00Contoh Judul Skripsi 9 + Sinopsisnya<div dir="ltr" style="text-align: left;" trbidi="on">
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 14pt; line-height: 115%;">ANALISIS
<i>CAR, FDR, </i>DAN INFLASI<i> </i>TERHADAP <i>NON PERFORMING FINANCE </i>BANK
X TAHUN 2009-2018<o:p></o:p></span></b></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">A.<span style="font: 7pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Latar Belakang<o:p></o:p></span></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pertumbuhan perbankan di Indonesia kian hari kian meningkat. Tidak
hanya perbankan konvensional saja namun pada perbankan syariah meningkat
seiring berjalannya waktu. Dengan adanya perkembangan dari waktu ke waktu,
persainganpun semakin meningkat. Persaingan yang ketat pada perbankan terutama
perbankan syariah mendorong masing-masing manajemen dari setiap perusahaan
untuk memaksimalkan kinerjanya dengan berbagai cara yang dapat dilakukan agar
perusahaan mereka tidak tersaingi. Dalam melakukan kegiatan usahanya, suatu
perbankan harus behati-hari dalam memberikan pembiayaan dengan besarnya inflasi
yang terjadi yaitu kenaikan harga terus menerus yang terjadi dalam suatu
wilayah, <i>Capital Adequacy Ratio </i>yang berkaitan dengan permodalan bank,
serta berapa besarnya seluruh rasio terhadap pendanaan yang disalurkan dengan
rasio FDR.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pertumbuhan perbankan dari waktu ke waktu semakin pesat terutama
pada perbankan syariah di Indonesia yang salah satunya bank mandiri syariah.
Pada tahun 2015, <i>Financing to Deposit Ratio</i> senilai ...... namun ...... pada tahun 2016 sebesar ........ begitupun dengan <i>Capital Adequacy Ratio </i>....... dari angka ........ menjadi ....... begitupun dengan inflasi yang<span style="mso-spacerun: yes;"> </span>terus naik dari tahun sebelumnya dengan
keadaan <i>Non Performing Loan </i>atau kredit bermasalah ....... ...... dari tahun 2015 ke tahun 2016. Tidak hanya itu, pada tahun-tahun lain mengalami
hal yang serupa sehingga perlu dilakukan penelitian apakah variabel-variabel
tersebut mempengaruhi NPF bank syariah mandiri.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">B.<span style="font: 7pt "Times New Roman";"> </span></span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%;">Metode
Penelitian<o:p></o:p></span></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%;">Penelitian yang akan dilakukan bersifat
deskriptif analisis dengan pendekatan kuantitatif dengan tujuan untuk menguji
hipotesa yang telah ditetapkan untuk mendapatkan penjelasan mengenai besarnya
kebenaran dalam model yang dihipotesakan sebagai jawaban atas masalah yang akan
dirumuskan. Penelitian ini menggunakan angka mulai dari pengumpulan data,
penafsiran angka-angka tersebut, serta hasil akhirnya. Sehingga pada akhirnya
akan dapat ditarik kesimpulan mengenai kebenaran atas hipotesa yang akan
diteliti serta bagaimana ekonomi Islam memandang hal tersebut.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">C.<span style="font: 7pt "Times New Roman";"> </span></span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%;">Rumusan
Masalah<o:p></o:p></span></b></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bagaimana pengaruh <span style="mso-spacerun: yes;"> </span>CAR
terhadap <i>Non Performing Loan </i>Bank X tahun tahun 2009-2018?
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 10.0pt; margin-left: 39.3pt; margin-right: 0cm; margin-top: 12.0pt; margin: 12pt 0cm 10pt 39.3pt; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bagaimana pengaruh<span style="mso-spacerun: yes;"> </span>FDR
terhadap <i>Non Performing Loan </i>Bank X tahun tahun 2009-2018?
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 10.0pt; margin-left: 39.3pt; margin-right: 0cm; margin-top: 12.0pt; margin: 12pt 0cm 10pt 39.3pt; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bagaimana pengaruh<span style="mso-spacerun: yes;"> </span>Inflasi
terhadap <i>Non Performing Loan </i>Bank X tahun tahun 2009-2018?
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: 10.0pt; margin-left: 39.3pt; margin-right: 0cm; margin-top: 12.0pt; margin: 12pt 0cm 10pt 39.3pt; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bagaimana pengaruh<span style="mso-spacerun: yes;"> </span>CAR, FDR,
dan Inflasi terhadap <i>Non Performing Loan </i>Bank X tahun
tahun 2009-2018? <o:p></o:p></span></div>
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LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-86746323942274820552020-03-07T00:39:00.004-08:002022-10-26T06:26:33.329-07:00Contoh Judul Skripsi 8 + Sinopsisnya<div dir="ltr" style="text-align: left;" trbidi="on">
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 14pt; line-height: 115%;">ANALISIS
<i>FINANCING DEPOSIT RATIO, NON PERFORMING LOAN, </i>DAN <i>CAPITAL ADEQUIACY
RATIO </i>TERHADAP PROFITABILITAS BANK X TAHUN 2015-2018<o:p></o:p></span></b></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">A.<span style="font: 7pt "Times New Roman";">
</span></span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Latar Belakang<o:p></o:p></span></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pertumbuhan perbankan di Indonesia kian hari kian meningkat. Tidak
hanya perbankan konvensional saja namun pada perbankan syariah meningkat
seiring berjalannya waktu. Dengan adanya perkembangan dari waktu ke waktu,
persainganpun semakin meningkat. Persaingan yang ketat pada perbankan terutama
perbankan syariah mendorong masing-masing manajemen dari setiap perusahaan
untuk memaksimalkan kinerjanya dengan berbagai cara yang dapat dilakukan agar
perusahaan mereka tidak tersaingi. Dalam melakukan kegiatan usahanya, suatu
perbankan harus behati-hari dalam memberikan pembiayaan dengan dana yang akan
diterima bank yang merupakan suatu rasio likuiditas bank dalam jangka waktu
yang panujang, rasio dari kredit bermasalah, dan memiliki kecukupan modal untuk
menunjang aktiva yang mengandung risiko. Hal ini akan terlihat pada rasio <i>Financing
to Deposit Ratio</i> dimana rasio ini seharusnya dapat mempengaruhi kinerja
serta tingkat profit dari suatu perbankan dan <i>Capital Adequacy Ratio</i>
yang berkaitan dengan faktor permodalan bank untuk mengukur kecukupan modal
yang dimiliki guna menunjang aktiva yang mengandung risiko.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pertumbuhan perbankan dari waktu ke waktu semakin pesat terutama
pada perbankan syariah di Indonesia yang salah satunya bank mandiri syariah.
Pada tahun 2009, <i>Financing to Deposit Ratio</i> senilai ............ begitupun dengan <i>Capital Adequacy Ratio </i>........ menjadi........ sedangkan kredit bermasalah ....... dari tahun sebelumnya. Tidak hanya itu, pada tahun-tahun lain mengalami hal
yang serupa sehingga perlu dilakukan penelitian apakah kedua variabel tersebut
mempengaruhu Profitabilitas Bank Mandiri Syariah.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">B.<span style="font: 7pt "Times New Roman";"> </span></span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%;">Metode
Penelitian<o:p></o:p></span></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%;">Penelitian yang akan dilakukan bersifat
deskriptif analisis dengan pendekatan kuantitatif dengan tujuan untuk menguji
hipotesa yang telah ditetapkan untuk mendapatkan penjelasan mengenai besarnya
kebenaran dalam model yang dihipotesakan sebagai jawaban atas masalah yang akan
dirumuskan. Penelitian ini menggunakan angka mulai dari pengumpulan data,
penafsiran angka-angka tersebut, serta hasil akhirnya. Sehingga pada akhirnya
akan dapat ditarik kesimpulan mengenai kebenaran atas hipotesa yang akan
diteliti serta bagaimana ekonomi Islam memandang hal tersebut.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">C.<span style="font: 7pt "Times New Roman";"> </span></span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 200%;">Rumusan
Masalah<o:p></o:p></span></b></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bagaimana pengaruh <i>Financing to Deposit Ratio</i> terhadap
Profitabilitas Bank X tahun 2015-2018? <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bagaimana pengaruh <i>Non Performing Loan</i> terhadap
Profitabilias Bank X tahun 2015-2018?<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bagaimana pengaruh <i>Capital Adequacy Ratio</i> terhadap <i>Profitabilitas
</i>Bank X tahun 2015-2018?<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bagaimana pengarun <i>Financing to Deposit Ratio</i>, <i>Non
Performing Loan</i>, dan <i>Capital Adequacy Ratio</i> terhadap Profitabilitas
Bank X?<o:p></o:p></span></div>
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LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0tag:blogger.com,1999:blog-7318554946343381183.post-73837773102262958342020-03-07T00:37:00.004-08:002020-03-07T00:37:44.800-08:00Contoh Judul Skripsi 7 + Sinopsisnya<div dir="ltr" style="text-align: left;" trbidi="on">
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 14.0pt; line-height: 115%;">ANALISIS <i>CAPITAL ADEQUACY RATIO</i>
TERHADAP <i>RETURN ON ASSET</i> PERBANKAN SYARIAH YANG TERDAFTAR DI BURSA EFEK
INDONESIA PERSPEKTIF EKONOMI ISLAM TAHUN 2018<o:p></o:p></span></b></div>
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<i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Capital
Adequacy Ratio </span></i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">berkaitan dengan<i style="mso-bidi-font-style: normal;"> </i>faktor permodalan bank untuk mengukur kecukupan modal yang
dimiliki bank untuk menunjang aktiva yang mengandung resiko. Untuk saat ini
minimal CAR sebesar 8% dari Aktiva Tertimbang Menurut Resiko (ATMR),<span style="mso-spacerun: yes;"> </span>atau ditambah dengan Resiko Pasar dan Resiko
Operasional, hal ini tergantung pada kondisi bank yang bersangkutan.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Besarnya modal
suatu bank akan berpengaruh pada mampu atau tidaknya suatu bank secara efisien
menjalankan kegiatannya. Jika modal yang dimiliki oleh bank tersebut mampu
menyerap kerugian-kerugian yang tidak dapat dihindarkan, maka bank dapat
mengelola seluruh kegiatannya secara efisien, sehingga kekayaan bank (kekayaan
pemegang saham) diharapkan akan semakin meningkat demikian juga sebaliknya. Hal
ini memperlihatkan bahwa <i>Capital Adequacy Ratio</i> yang memiliki hubungan
dengan operasional bank tentu akan berimbas pada profitabilitas perbankan namun
apakah hal tersebut benar-benar berhubungan dan berpengaruh pada perbankan
syariah di Indonesia perlu di teliti lebih lanjut. <o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%;">Penelitian
yang akan dilakukan bersifat deskriptif analisis dengan pendekatan kuantitatif
dengan tujuan untuk menguji hipotesa yang telah ditetapkan untuk mendapatkan
penjelasan mengenai besarnya kebenaran dalam model yang dihipotesakan sebagai
jawaban atas masalah yang akan dirumuskan. Penelitian ini menggunakan angka
mulai dari pengumpulan data, penafsiran angka-angka tersebut, serta hasil
akhirnya. Sehingga pada akhirnya akan dapat ditarik kesimpulan mengenai
kebenaran atas hipotesa yang akan diteliti serta bagaimana ekonomi Islam
memandang hal tersebut.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-ascii-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Mengingat apa
yang telah dijelaskan sebelumnya, muncul rumusan masalah; (a) Bagaimana
pengaruh <i>Capital Adequacy Ratio</i> terhadap <i>Return On Asset</i>
Perbankan Syariah di Indonesian yang terdaftar di Bursa Efek Indonesia, (b)
Bagaimanakah pengaruh <i>Capital Adequacy Ratio</i> terhadap <i>Return On Asset</i>
perspektif ekonomi Syariah?<o:p></o:p></span></div>
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LALA 'Aula Nurul M'http://www.blogger.com/profile/06303877400053323341noreply@blogger.com0