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There are two things you will need to understand if you like to seduce a married girl. firstly, you need to realize that married women are usually more hesitant to have sex outside their marriage. secondly, you’ll need to understand how to make a female feel desired and desired. finally, you will need to understand how to get the woman to want you sexually. 1. realize that married women are usually more hesitant to have sexual intercourse outside their wedding

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Iwak Nyuzz, Sumber Uang Dari Ikan Terbuang

Julukan “Negara Maritim” disematkan kepada Indonesia sudah sejak lama. Penyematan ini bukan tanpa sebab. Ya, wilayah Indonesia terdiri dari 70% lautan dan 30% daratan. Ada lebih dari 17 ribu pulau, dengan garis pantai lebih dari 108 ribu km di negeri ini.

Wilayah lautnya yang luas, membuat Indonesia menjadi negara yang memiliki potensi besar di bidang kelautan dan perikanan. Maka tak heran, beberapa diantaranya memilih berprofesi sebagai nelayan.

Sayangnya, umur tangkapan ikan dan berbagai hewan laut yang pendek membuat nelayan kerap membuang hasil tangkapannya lainnya yang tak laku terjual. Dari laut kembali ke laut. Atau, mirisnya jadi sampah.

Salah satunya ialah ikan serinding atau Ambassis nalua. Ikan berwarna keperakan dan transparan ini berukuran kecil. Tak banyak yang melirik ikan ini di pasaran. Tak jarang ikan ini dijadikan pakan ternak. Namun, bila tak ada yang berminat, ikan ini akan berakhir menjadi sampah.

Terinspirasi dari sisa ikan yang tidak terjual itulah, Siti Rochanah (63), seorang ibu hackworthrealty.com yang berasal dari pesisir utara Semarang, lantas berinisiatif membuat olahan ikan yang awet dan yang pasti memiliki rasa yang enak juga.

Sumber Uang Dari Ikan Terbuang

“Saya lihat di sekitar Tanjung Mas, dekat area kami. Ada ikan namanya ikan serinding ini enggak laku-laku banget, dibuang-buang untuk makanan bebek dan sebagainya, tidak ada harganya sama sekali. Kami coba mengolah itu,” kata Rochanah saat berbincang dengan Validnews, Selasa (26/9).

Di tangan kreatifnya, ikan serinding dibalur aneka rempah segar dan tepung, lalu digoreng garing menjadi panganan yang gurih, renyah dan asyik dikudap.

Mengusung jenama Iwak Nyuzz, ikan serinding Rochanah disambut pasar. Penjualannya terus bertambah dan membuat Rochanah percaya diri menambah varian produk.

Hingga kini, Iwak Nyuzz memiliki varian dari bandeng duri lunak (bandeng presto), wader rawa original, wader laut original, wader laut Balado, udang original, udang balado, hingga baby fish krispy dari ikan serinding.

Seiring peningkatan permintaan, Iwak Nyuzz juga memunculkan produk baru, seperti bumbu nasi goreng udang dan ikan asin, aneka sambal dan bawang merah goreng, serta kremesan udang dan kremesan ikan dengan varian original dan pedas. Total ada 21 item produk di bawah bendera Iwak Nyuzz.

Tak hanya rasa enak yang jadi pendorong penjualan Iwak Nyuzz. Rochanah melengkapi aneka produknya dengan berbagai perizinan usaha, sertifikat halal, dan sertifikat BPOM.

Dia juga sudah mendaftarkan paten untuk merek dagang Iwak Nyuzz di Direktorat Jenderal Kekayaan Intelektual, Kementerian Hukum dan Hak Asasi Manusia.

OJK Sebut Tren Restrukturisasi Kredit Perbankan Terus Melandai

Restrukturisasi Kredit Perbankan Terus Melandai – Otoritas Jasa Keuangan (OJK) mengklaim tren restrukturisasi kredit yang dilakukan oleh industri perbankan di Tanah Air yang sempat mencapai hampir senilai Rp1.000 triliun, kini terus melandai. Hal itu Judi Roulette Online seiring dengan membaiknya situasi pandemi covid-19.

“Restrukturisasi kredit posisi terakhir mencapai Rp744,75 triliun, di mana tren restrukturisasi kredit terus melandai dan bahkan kita harapkan angka terakhir sudah lebih rendah dari itu. Saya dapat berita bahwa angka terakhir sudah mencapai Rp720 triliun,” kata Ketua Dewan Komisioner OJK, Wimboh Santoso dalam Capital Market Summit & Expo (CMSE) 2021 di Jakarta, Kamis (14/10).

Wimboh pun menilai hal tersebut tak lepas dari sinergi kebijakan pemerintah dan seluruh pemangku kepentingan selama masa pandemi ini, khususnya melalui penerbitan Peraturan Pemerintah Pengganti Undang-Undang (Perpu) tentang Kebijakan Keuangan Negara dan Stabilitas Sistem Keuangan untuk Penanganan Pandemi Corona Virus Disease 2019 (Covid-19) dan/atau dalam Rangka Menghadapi Ancaman yang Membahayakan Perekonomian Nasional dan/atau Stabilitas Sistem Keuangan.

“Itu merupakan payung hukum kita semua dalam menangani pandemi covid-19 bagi perekonomian kita dan sektor keuangan. Kebijakan-kebijakan tersebut juga kita lakukan dengan sangat hati-hati dan terintegrasi seluruh sektor,” ujar Wimboh.

Ia menambahkan, berbagai upaya pemulihan ekonomi yang dilakukan oleh pemerintah, otoritas keuangan, dan berbagai pihak, juga menunjang kembalinya Indeks Harga Saham Gabungan atau IHSG ke posisi pra pandemi.

IHSG hingga 8 Oktober 2021 tercatat menguat ke level 6.481,77, atau tumbuh signifikan 8,41% year to date (ytd) dengan aliran dana non-residen tercatat masuk sebesar Rp28,38 triliun (ytd).

“Seiring dengan perkembangan yang menggembirakan tersebut, tercatat pula preferensi investor asing dari Surat Berharga Negara (SBN) ke pasar saham Indonesia, yang menggambarkan fundamental dan arah pemulihan ekonomi Indonesia dinilai positif oleh pelaku pasar,” papar Wimboh.

Hal itu, lanjut Wimboh, juga dibuktikan dengan penghimpunan dana melalui pasar modal hingga 5 Oktober 2021 telah mencapai Rp266,82 triliun dari 35 emiten baru yang melakukan penawaran umum. Capaian tersebut melampaui penghimpunan dana pada 2020 yang hanya Rp118,7 triliun.

Selain itu, pasar modal juga telah mencatatkan lonjakan pertumbuhan investor yang signifikan. Hingga September 2021, ada 6,4 juta investor atau tumbuh 100,51% secara tahunan (year on year/yoy).

Di tengah fluktuasi ekonomi global, OJK juga terus mengamati kondisi domestik, khususnya terkait pemulihan mobilitas dan juga konsumsi masyarakat. Produk Domestik Bruto (PDB) Indonesia sebanyak 55,07% berasal dari konsumsi rumah tangga sehingga strategi percepatan pemulihan ekonomi perlu memperhatikan beberapa tantangan ke depan.

Restrukturisasi Kredit Perbankan Terus Melandai

“Pertama, keberhasilan penanganan pandemi melalui akselerasi vaksinasi nasional dan kesiapan fasilitas kesehatan sebagai langkah yang preventif dan antisipatif. Kedua, arah kebijakan fiskal dan moneter negara-negara maju, khususnya berkaitan dengan perkembangan ekonomi Amerika Serikat, Eropa dan Tiongkok,” jelasnya.

Ketiga, peningkatan permintaan domestik berorientasi produk lokal, pemantauan kecukupan dan kelancaran suplai dan peningkatan kapasitas ekspor. Serta terakhir, pemulihan ekonomi pada sektor-sektor terdampak langsung oleh pandemi, seperti sektor perhotelan, restoran, kafe (HOREKA) dan transportasi atau pengangkutan.

Dalam kesempatan tersebut, Wimboh menuturkan, terdapat beberapa peluang pertumbuhan ekonomi, yakni pertama, akselerasi digitalisasi yang dipicu oleh perubahan perilaku dan preferensi masyarakat di masa pandemi yang mendorong transformasi digital Sektor Jasa Keuangan.

“OJK terus meningkatkan dukungan bagi start-ups dan perusahaan teknologi berskala unicorn untuk melakukan IPO di bursa, khususnya melalui penyiapan regulasi yang akomodatif,” kata Wimboh.

Di sisi lain, pihaknya juga telah mendukung hadirnya Securities Crowdfunding (SCF) bagi UMKM, mengeluarkan regulatory framework atas Bank Digital, memperbaharui pengaturan peer to peer lending dan pengkajian pengaturan insurtech.

Kedua, ruang pertumbuhan ekonomi baru berbasis UMKM yang menyerap banyak tenaga kerja, berorientasi ekspor dan ramah lingkungan. Selain itu, pengembangan green economy berdasarkan kebijakan Pemerintah di bidang perubahan iklim (climate, change, dan sustainable finance) dilakukan sebagai langkah mitigasi atas risiko terkait perubahan iklim (climate-related risk).

“Pelaksanaan strategi tersebut membutuhkan dukungan dan peran pasar modal yang ke depannya diharapkan terus meningkatkan kualitas layanannya kepada emiten dan investor, dengan bauran produk dan layanan yang semakin beragam dan inklusif serta memiliki daya saing terhadap pasar modal di kawasan,” ujar Wimboh.

Wimboh menilai bahwa terkendalinya pandemi covid-19 di Tanah Air dapat menjadi momentum pertumbuhan ekonomi domestik yang lebih tinggi ke depan.

“Sinyal positif efek keberhasilan penanganan pandemi merupakan momentum bagi pertumbuhan ekonomi domestik yang telah tumbuh positif 7,07% secara yoy atau 3,31% qtq pada triwulan II-2021. Di akhir 2021, tren pertumbuhan juga diperkirakan tetap positif dan berlanjut di tahun 2022 dan seterusnya,” ungkap Wimboh.

Ia memaparkan, dalam 44 tahun terakhir, tantangan pandemi covid-19 merupakan salah satu ujian terbesar dan terberat untuk industri pasar modal Indonesia dan bahkan juga seluruh dunia. Berkaca pada kondisi tahun 2020, dimana IHSG pernah menyentuh level 3.000-an.

“Saya ingat IHSG saat itu 3.900 pada 24 Maret 2020. Kami sungguh bersyukur pasar modal kita kembali rebound pada saat ini dan bergerak relatif stabil, bahkan mencatatkan beberapa prestasi yang sangat mengesankan,” kata Wimboh.

Saat ini, kondisi pandemi covid-19 terus membaik secara global dan domestik. Mengutip data Satgas Covid, jumlah kasus harian covid-19 di Indonesia pada Rabu (13/10) kemarin, mencapai 1.233 kasus, turun jauh dibandingkan puncak pandemi pada 15 Juli 2021 yang mencapai 56.767 kasus dalam sehari.

Adapun, total jumlah kasus terkonfirmasi positif covid-19 saat ini mencapai 4,23 juta kasus. Sementara, jumlah kasus meninggal akibat terpapar covid-19 mencapai 48 kasus, sehingga totalnya mencapai 142.811 kasus. Sementara itu, jumlah kasus sembuh bertambah sebanyak 2.259 kasus, sehingga total pasien sembuh mencapai 4,07 juta kasus. Dengan demikian, total kasus aktif covid-19 mencapai 20.551 kasus.

Untuk vaksinasi, jumlah masyarakat yang sudah disuntik vaksin dosis pertama mencapai 102,68 juta orang dan vaksin dosis kedua 59,41 juta orang dari target 208,26 juta orang yang divaksin.

“Dengan percepatan vaksinasi yang didukung oleh OJK dan seluruh pelaku industri jasa keuangan, kami yakin fase herd immunity dapat segera terwujud, sehingga perekonomian nasional kembali normal seperti sebelum masa pandemi,” tutup Wimboh.

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