1. SCHOCK THERAPY BISNIS CABAI 1.REVENUE FROM SALE 2.TOTAL COST 3.EBIT (KONVENSIONAL) EBZ (ISLAMI) EBZT (PANCASILA)

2. Gb : SETIAP MUSLIM AKAN MASUK SURGA: KARENA IA MAU ( Human Inteligent) AQ, AS A+ T F A- D- D+ IMAN IBD.Mg IBD.G-Mg TQW 7 CRE- SAT S.JAR ILMU ANAK RIDHA ALLAH ONT > EPIS > AXIO > PPEI > TA’RIF > (PLS, Z, W, HT) RAMADHAN HUMAN INVESTMENT 10 20 30 SERIBU BULAN 17 → 25 → 40 → 60 KEBERHASILAN CORP. S EI P PERF. INTEG. L A H HL HA HH AL AA AH LL LA LH HH H A L

3. The System and Its Environment Customers Weather Condition Vendors Government Competitors BankStakeholders Environment INPUTS Row Material Costs Resources PROCESSES Procedures Programs Tools Activities Decisions OUTPUTS Performances Consequences Finish Product Services Delivery Decision Maker Feedback System Boundary Sumber : Turban, Efraim & Jaye Aronson, T.tth.Decision Support Systems and Intelligent System, Fifth Ed., Prentice-Hall International, New Jersay, 1984. (Mechine Inteligent)

4. I often wonder what the vintners buy one half so precious as the goods they sell RUBAIYAT OF OMER KHAYYAM (1859)

5. Example Co.plc Profit and loss account ($000,000s) $ $ Sales 1,120 Operating costs 1,008 EBIT 112 Interest 20 EBT 92 Tax 32 EAT 60 Dividends 24 RE 36 Balance sheet ($000,000s) FA $OF $ 360 LTL 480 200 CA 320 240 800 800 CL

6. Of all the possible combinations of values from the P/L and the B/S which measures are most appropriate? The following two are selected Profit and loss accountBalance sheet EBIT $112 EBT $92 EAT $60 TA $800 CE $560 NW $360 ROTA ROE ROTA Return on total assets % = EBIT $112 Return on equity % = EAT $60 ROE TA $800 OF $360 = 14 % = 16,66 % Note : TA= Total Asset, CE= Current Equity, NW= Net worth