Koperasi adalah jenis badan usaha yang beranggotakan orang-orang atau badan hukum. Koperasi melandaskan kegiatannya berdasarkan prinsip gerakan ekonomi rakyat yang berdasarkan asas kekeluargaan.
Koperasi menurut UUD 1945 pasal 33 ayat 1 merupakan usaha kekeluargaan dengan tujuan mensejahterakan anggotanya.
Anggota koperasi:
* Perorangan, yaitu orang yang secara sukarela menjadi anggota koperasi;
* Badan hukum koperasi, yaitu suatu koperasi yang menjadi anggota koperasi yang memiliki lingkup lebih luas.
Pada Pernyataan Standard Akuntansi Keuangan (PSAK) No. 27 (Revisi 1998), disebutkan bahwa karateristik utama koperasi yang membedakan dengan badan usaha lain, yaitu anggota koperasi memiliki identitas ganda.fact Identitas ganda maksudnya anggota koperasi merupakan pemilik sekaligus pengguna jasa koperasi.
Umumnya koperasi dikendalikan secara bersama oleh seluruh anggotanya, di mana setiap anggota memiliki hak suara yang sama dalam setiap keputusan yang diambil koperasi.fact Pembagian keuntungan koperasi (biasa disebut Sisa Hasil Usaha atau SHU biasanya dihitung berdasarkan andil anggota tersebut dalam koperasi, misalnya dengan melakukan pembagian dividen berdasarkan besar pembelian atau penjualan yang dilakukan oleh anggota.
Koperasi bertujuan memajukan kesejahteraan anggota pada khususnya dan masyarakat pada umumnya, serta ikut membangun tatanan perekonomian nasional, dalam rangka mewujudkan masyarakat yang maju, adil dan makmur berlandaskan Pancasila dan Undang-Undang Dasar 1945.ref Sito, Arifin. Tamba, Halomoan Koprasi teori dan peraktek.
Koperasi berlandaskan hukum
Koperasi berbentuk Badan Hukum sesuai dengan Undang-Undang No.12 tahun 1967 ialah: “Organisasi Ekonomi Rakyat yang berwatak sosial, beranggotakan orang-orang atau badan hukum koperasi yang merupakan tata susunan ekonomi sebagai usaha bersama, berdasarkan asas kekeluargaan.
Kinerja koprasi khusus mengenai perhimpunan, koperasi harus bekerja berdasarkan ketentuan undang-undang umum mengenai organisasi usaha (perseorangan, persekutuan, dsb.) serta hukum dagang dan hukum pajak.[rujukan?] Organisasi koperasi yang khas dari suatu organisasi harus diketahui dengan menetapkan anggaran dasar yang khusus.
Secara umum, Variabel kinerja koperasi yang di ukur untuk melihat perkembangan atau pertumbuhan (growth) koperasi di Indonesia terdiri dari kelembagaan (jumlah koperasi per provinsi, jumlah koperasi per jenis/kelompok koperasi, jumlah koperasi aktif dan nonaktif). Keanggotaan, volume usaha, permodalan, asset, dan sisa hasil usaha.[rujukan?] Variabel-variabel tersebut pada dasarnya belumlah dapat mencerminkan secara tepat untuk dipakai melihat peranan pangsa (share) koperasi terhadap pembangunan ekonomi nasional.[rujukan?] Demikian pula dampak dari koperasi (cooperative effect) terhadap peningkatan kesejahteraan anggota atau masyarakat belum tercermin dari variabel-variabel yang di sajikan.[rujukan?] Dengan demikian variabel kinerja koperasi cenderung hanya dijadikan sebagai salah satu alat untuk melihat perkembangan koperasi sebagai badan usaha.
Fungsi dan peran koperasi
Menurut Undang-undang No. 25 tahun 1992 Pasal 4 dijelaskan bahwa fungsi dan peran koperasi sebagai berikut:
* Membangun dan mengembangkan potensi dan kemampuan ekonomi anggota pada khususnya dan masyarakat pada umumnya untuk meningkatkan kesejahteraan ekonomi dan sosialnya.
* Berperan serta secara aktif dalam upaya mempertinggi kualitas kehidupan manusia dan masyarakat.
* Memperkokoh perekonomian rakyat sebagai dasar kekuatan dan ketahanan perekonomian nasional dengan koperasi sebagai soko-gurunya.
* Berusaha untuk mewujudkan dan mengembangkan perekonomian nasional, yang merupakan usaha bersama berdasarkan atas asas kekeluargaan dan demokrasi ekonomi.
* Mengembangkan kreativitas dan membangun jiwa berorganisasi bagi para pelajar bangsa.
Prinsip koperasi
Menurut UU No. 25 tahun 1992 Pasal 5 disebutkan prinsip koperasi, yaitu:
* Keanggotaan bersifat sukarela dan terbuka.
* Pengelolaan dilakukan secara demokratis.
* Pembagian Sisa Hasil Usaha (SHU) dilakukan secara adil sebanding dengan besarnya jasa usaha masing-masing anggota (andil anggota tersebut dalam koperasi).
* Pemberian balas jasa yang terbatas terhadap modal.
* Kemandirian.
* Pendidikan perkoprasian.
* kerjasama antar koperasi.
Jenis-jenis koperasi
Koperasi secara umum dapat dikelompokkan menjadi koperasi konsumen, koperasi produsen dan koperasi kredit (jasa keuangan). Koperasi dapat pula dikelompokkan berdasarkan sektor usahanya.
* Koperasi Simpan Pinjam
* Koperasi Konsumen
* Koperasi Produsen
* Koperasi Pemasaran
* Koperasi Jasa
Koperasi Simpan Pinjam adalah koperasi yang bergerak di bidang simpanan dan pinjaman.
Koperasi Konsumen adalah koperasi beranggotakan para konsumen dengan menjalankan kegiatannya jual beli menjual barang konsumsi.
Koperasi Produsen adalah koperasi beranggotakan para pengusaha kecil menengah(UKM) dengan menjalankan kegiatan pengadaan bahan baku dan penolong untuk anggotanya.
Koperasi Pemasaran adalah koperasi yang menjalankan kegiatan penjualan produk/jasa koperasinya atau anggotanya.
Koperasi Jasa adalah koperasi yang bergerak di bidang usaha jasa lainnya.
[sunting] Sumber modal koperasi
Seperti halnya bentuk badan usaha yang lain, untuk menjalankan kegiatan usahanya koperasi memerlukan modal.[rujukan?] Adapun modal koperasi terdiri atas modal sendiri dan modal pinjaman.[rujukan?]
Modal sendiri meliputi sumber modal sebagai berikut:
* Simpanan Pokok
Simpanan pokok adalah sejumlah uang yang wajib dibayarkan oleh anggota kepada koperasi pada saat masuk menjadi anggota.[rujukan?] Simpanan pokok tidak dapat diambil kembali selama yang bersangkutan masih menjadi anggota koperasi. Simpanan pokok jumlahnya sama untuk setiap anggota.[rujukan?]
* Simpanan Wajib
Simpanan wajib adalah jumlah simpanan tertentu yang harus dibayarkan oleh anggota kepada koperasi dalam waktu dan kesempatan tertentu, misalnya tiap bulan dengan jumlah simpanan yang sama untuk setiap bulannya.[rujukan?] Simpanan wajib tidak dapat diambil kembali selama yang bersangkutan masih menjadi anggota koperasi.[rujukan?]
* Simpanan khusus/lain-lain misalnya:Simpanan sukarela (simpanan yang dapat diambil kapan saja), Simpanan Qurba, dan Deposito Berjangka.[rujukan?]
* Dana Cadangan
Dana cadangan adalah sejumlah uang yang diperoleh dari penyisihan Sisa Hasil usaha, yang dimaksudkan untuk pemupukan modal sendiri, pembagian kepada anggota yang keluar dari keanggotaan koperasi, dan untuk menutup kerugian koperasi bila diperlukan.[rujukan?]
* Hibah
Hibah adalah sejumlah uang atau barang modal yang dapat dinilai dengan uang yang diterima dari pihak lain yang bersifat hibah/pemberian dan tidak mengikat.
adapun modal pinjaman koperasi berasal dari pihak-pihak sebagai berikut:
* Anggota dan calon anggota
* Koperasi lainnya dan/atau anggotanya yang didasari dengan perjanjian kerjasama antarkoperasi.
* Bank dan Lembaga keuangan bukan banklembaga keuangan lainnya yang dilakukan berdasarkan ketentuan peraturan perudang-undangan yang berlaku
* Penerbitan obligasi dan surat utang lainnya yang dilakukan berdasarkan ketentuan peraturan perundang-undangan yang berlaku
* Sumber lain yang sah
Mekanisme pendirian koperasi
Mekanisme pendirian koperasi terdiri dari beberapa tahap.Pertama-tama adalah pengumpulan anggota, karena untuk menjalankan koperasi membutuhkan minimal 20 anggota. Kedua, Para anggota tersebut akan mengadakan rapat anggota, untuk melakukan pemilihan pengurus koperasi ( ketua, sekertaris, dan bendahara ). Setelah itu, koperasi tersebut harus merencanakan anggaran dasar dan anggaran rumah tangga koperasi itu.Lalu meminta perizinan dari negara. Barulah bisa menjalankan koperasi dengan baik dan benar.
Pengurus koperasi
Pengurus koperasi dipilih dari kalangan dan oleh anggota dalam suatu rapat anggota.[rujukan?] Ada kalanya rapat anggota tersebut tidak berhasil memilih seluruh anggota Pengurus dari kalangan anggota sendiri.[rujukan?] Hal demikian umpamanya terjadi jika calon-calon yang berasal dari kalangan-kalangan anggota sendiri tidak memiliki kesanggupan yang diperlukan untuk memimpin koperasi yang bersangkupan, sedangkan ternyata bahwa yang dapat memenuhi syarat-syarat ialahmereka yang bukan anggota atau belum anggota koperasi (mungkin sudah turut dilayani oleh koperasi akan tetapi resminya belum meminta menjadi anggota). Dalam hal dapatlah diterima pengecualian itu dimana yang bukan anggota dapat dipilih menjadi anggota pengurus koperasi.
Sejarah berdirinya koperasi dunia :
Gerakan koperasi digagas oleh Robert Owen (1771-1858), yang menerapkannya pertama kali pada usaha pemintalan kapas di New Lanark, Skotlandia.
Gerakan koperasi ini dikembangkan lebih lanjut oleh William King (1786–1865) – dengan mendirikan toko koperasi di Brighton, Inggris. Pada 1 Mei 1828, King menerbitkan publikasi bulanan yang bernama The Cooperator, yang berisi berbagai gagasan dan saran-saran praktis tentang mengelola toko dengan menggunakan prinsip koperasi.
Koperasi akhirnya berkembang di negara-negara lainnya. Di Jerman, juga berdiri koperasi yang menggunakan prinsip-prinsip yang sama dengan koperasi buatan Inggris. Koperasi-koperasi di Inggris didirikan oleh Charles Foirer, Raffeinsen, dan Schulze Delitch. Di Perancis, Louis Blanc mendirikan koperasi produksi yang mengutamakan kualitas barang. Di Denmark Pastor Christiansone mendirikan koperasi pertanian.
[sunting] Gerakan koperasi di Indonesia
Sejarah singkat gerakan koperasi bermula pada abad ke-20 yang pada umumnya merupakan hasil dari usaha yang tidak sepontan dan tidak dilakukan oleh orang-orang yang sangat kaya.[rujukan?] Meraka mempersatukan diri untuk memperkaya dirinya sendiri, seraya ikut mengembangkan kesejahteraan masyarakat di sekitarnya.[rujukan?] Koperasi tumbuh dari kalangan rakyat, ketika penderitaan dalam lapangan ekonomi dan sosial yang di timbulkan oleh sistem kapitalisme demikian memuncaknya.[rujukan?] Beberapa orang yang penghidupannya sederhana dengan kemampuan ekonomi terbatas, terdorong oleh penderitaan dan beban ekonomi yang sama, secara sepontan mempersatukan diri untuk menolong dirinya sendiri dan manusia sesamanya.
http://andriyani22.blogspot.com/2010/09/ekonomikoprasi.html
Jumat, 19 Oktober 2012
Kamis, 18 Oktober 2012
PENGERTIAN KOPERASI
PENGERTIAN KOPERASI :
Koperasi adalah badan hukum yang berdasarkan atas asas kekeluargaan yang anggotanya terdiri dari orang perorangan atau badan hukum dengan tujuan untuk mensejahterakan anggotanya. Umumnya koperasi dikendalikan secara bersama oleh seluruh anggotanya, di mana setiap anggota memiliki hak suara yang sama dalam setiap keputusan yang diambil koperasi. Pembagian keuntungan koperasi (biasa disebut Sisa Hasil Usahaatau SHU biasanya dihitung berdasarkan andil anggota tersebut dalam koperasi, misalnya dengan melakukan pembagian laba berdasarkan besar pembelian atau penjualan yang dilakukan oleh anggota. Selain pengertian di atas, terdapat beberapa pengertian menurut para ahli, organisasi, dan menurut undang undang dasar diantaranya adalah sebagai berikut :
- 1. Definisi menurut ILO (International Labour Organization)
- Koperasi adalah perkumpulan orang-orang
- Penggabungan orang-orang berdasarkan kesukarelaan
- Terdapat tujuan ekonomi yang ingin dicapai
- Koperasi berbentuk organisasi bisnis yang diawasi dan dikendalikan secara demokratis
- Terdapat kontribusi yang adil terhadap modal yang dibutuhkan
- Anggota koperasi menerima resiko dan manfaat secara seimbang
- 2. Definisi menurut Arifinal Chaniago
- 3. Definisi menurut P.J.V. Dooren
- 4. Definisi menurut Hatta ( Bapak Koperasi Indonesia )
- 5. Definisi menurut Munkner
- 6. Definisi menurut UU No. 25 / 1992
Senin, 09 April 2012
CHAPTER 5
ANSWER FROM ESSAY QUESTION
1. Two twin
2. Because the wife was not at all grateful, because his mother had given her husbandthe best of the best the mother's husband.
3. Traffic accidents due to structural disease suffered.
4. Always patient and always showed compassion and responsibility toward his wifeandthe twins.
5. Love and respect your husband and do not become a rebellious wife to husband.
ANSWER FORM MULTIPLE CHOICE QUESTION
1. c. A and C is true.
2. a. Regrets
3. b. 23 Years
4. b. Because of regret and self-conscious about his behavior in the husband is still alive.
5. c. Take a wisdom and take a lessons
ANSWER FORM TRUE OR FALSE QUESTION
1. True
2. False
3. True
4. True
5. False
CHAPTER 4
TRUE OR FALSE QUESTION :
1. Liliana's husband died of a stroke?
2. Liliana both children and men?
3. After her husband left to go, Liliana did not intend to marry another man?
4. Liliana is very aware of and regret for what he did to her husband while still alive.
5. Liliana is very concerned with her husband during his life?
CHAPTER 3
MULTIPLE CHOICE QUESTION :
1. Why Liliana's husband dies?
a. stroke
b. Dengue fever
c. accident
d. A and C is true.
a. stroke
b. Dengue fever
c. accident
d. A and C is true.
2. How do you feel after a few years left Liliana her husband?
a. Regrets
b. Nothing
c. happy
d. no matter...
a. Regrets
b. Nothing
c. happy
d. no matter...
3. At what age do children Liliana married?
a. 28 years
b. 23 years
c. 23 years
d. 25 years
a. 28 years
b. 23 years
c. 23 years
d. 25 years
4. Why Liliana heart was devastated when her husband died?
a. because of regret
b. Because of regret and self-conscious about his behavior in the husband is still alive.
c. Seeing her husband's illness.
d. by accident
a. because of regret
b. Because of regret and self-conscious about his behavior in the husband is still alive.
c. Seeing her husband's illness.
d. by accident
5. How is your assessment of the short story above?
a. It is not good
b. exemplary
c. Take a lesson and take lessons
d. The lesson for women
a. It is not good
b. exemplary
c. Take a lesson and take lessons
d. The lesson for women
Minggu, 08 April 2012
CHAPTER 2
A. ESSAY QUESTION :
1. How Did the child have after they get married?
CHAPTER 1
REMORSE OF A WIFE
I hate it, that's what always whisper in my heart for most of our time together. Thoughmarried, I never really gave my heart to him. Marriage of emotional abuse parent, makes me hate my own husband. Although forced marriage, I never showed the attitude of hatred. Though hated it, everyday I serve as the task of a wife. I had to do it all because I had no other grip. Several times a desire to leave but I do not have the financial capability and support for anyone.My parents were very fond of my husband because according to them, my husband is afigure of perfect husband for their only daughter.
When married, I became the wife of a very spoiled. I did everything as I please. My husband also indulged in such a way. I never really had my duties as a wife. I alwaysdepend on him because I thought it was supposed to be after what he did to me. I gavemy life to him that his job makes me happy to obey all my wishes.
In our house, I'm the queen. No one dared to resist. If there is little problem, I alwaysblame my husband. I do not like a wet towel placed on the bed, I hate to see it put thespoon stirring the rest of the milk on the table and it left a sticky, I hate when he uses my computer even if only to finish the job. I was angry when he hung his clothes in kapstockmy shirt, I'm also angry that he put the toothpaste without squeezing it neatly, I was angrywhen he contacted me to many times when I'm having fun with my friends.
I had chosen not to have children. Although it does not work, but I do not want to take care of the child. Initially he and I will support family planning with the pill. But apparently he wants to hide it in until one day I forgot to take birth control pills and even though he knew he had let it. I also pregnant and did not realize until after more than four months, refused to abort dokterpun.
That's the greatest anger him. Anger grew when I became pregnant and had a pair of twins had a difficult birth. I forced him to act a vasectomy so I'm not pregnant anymore.Dutifully, he did all of my wishes because I threatened to leave with our two children.
Time passed until the children do not feel over-year to eight. Like the previous morning, I woke up at the end. Husband and children were waiting for me at the dinner table. As usual, it was he who provided breakfast and the kids off to school. That day, he warnedthat day there was the anniversary of my mother. I just replied with a nod of his wordsregardless of events reminiscent of the previous year, when I choose to go to the malland the mother was not present at the event. Well, because they feel trapped in my marriage, I also hate my parents.
Prior to the office, usually my husband just kissed me and the children followed. But that day, he hugged me so the kids tease him noisily. I tried to dodge and release the arms.Although finally smile with the children. He kissed back up several times at the door, as if the weight to go.
When they leave, I will decide to go to the salon. Spending time to the salon is a hobby of mine. I arrived at the salon langgananku few hours later. In the salon I met one of my friends as well as those who did not like. We chat with each other showing off funincluding our activities. It was time I had to pay the bills salon, but how shocked I waswhen I realized that my wallet left behind at home. Although the deepest reach into my bag until I could not find it in the bag. Trying to remember what happened until I could not find my wallet I called my husband and ask.
"Sorry dear, Farhan yesterday asking pocket money and I have little money it took fromyour wallet. I forgot to put it back into the bag, I think I put on my desk. "Said explained gently. Angrily, I scolded her harshly. I hung up without waiting for finish. Shortly thereafter,handphoneku resumes and although still upset, I will lift it with half snaps. "What else?"Honey, I'm home now, I'll grab his wallet and drove him to you. Unfortunately now there is where? "Asked my husband quickly, afraid I hung up again. I mention the name of my salon and without waiting for the answer again, I re-hung. I spoke with the cashier and said that my husband would come to pay my bill. The owner of Salon that my friend had in fact let me go and said I could pay for it later when I come back again. But the shame of the "enemy" also come to hear me out of my wallet makes me proud to owe first.
The rain fell as I looked out and expect the car to my husband immediately. Minutesstretched into hours, I was getting impatient so started calling my husband's cell phone.There was no answer despite repeated call. Though usually only twice has he lifted the phone rang. I began to feel uncomfortable and angry.
Phone picked up after several attempts. When the sound of yet another bentakanku out,a strange voice answered the phone my husband. I was silent for a moment before the sound stranger introduced himself, "good-day, mother. Is the mother the wife of the father armandi? "I answer that question soon. Stranger turned out to be a policeman, he was told that my husband had an accident and now he is being taken to the police hospital. At that moment I was silent and the only answer thank you. When the phone is closed, I crouched in puzzlement. My hands clutched the phone in my hands and somesalon employees approached me with a swift asked what was wrong until my faceturned pale white as paper.
Somehow I ended up in hospital. Somehow also knew the whole family was there to catch up. I'm just waiting for my husband's silence in front of the emergency room. I do not know what to do as long as it was he who did everything for me. When finally after waiting several hours, just as the sunset call to prayer echoes sounded a doctor came out and delivered the news. My husband is gone. He left not because of the accident itself, stroke was the cause of his death. Finished hearing the fact, I even busy parentsand parents reinforce the shock. There was absolutely no drop of tears in my eyes out. I was busy calming the mother and father-in-law. Children who are hit with a tight hug, buttheir grief utterly unable to make me cry.
When the corpse was brought into the house and I sat in front of him, I was staring face. I realize this is the first time I actually looked at his face that seemed fast asleep. I approached her and looked at it carefully. That's when my chest becomes congestedremembered what he'd given me for ten years together. Gently touched her face wascold and I realize that this is the first time I touched her face, which had always decorated with a warm smile. Spread tears in my eyes, blurring my vision. I gasped trying to wipethe tears did not hinder my last look at her, I want her to remember all the good memoriesabout my husband could have ended there. But instead of stopping, the torrential floodingtears on both cheeks. Warnings from mosque imam who could not organize a funeral procession made me stop crying. I tried not to, but my chest remembering what I did to him last time we talked.
I remembered how I never pay attention to his health. I hardly ever manage to eat. Thoughhe always manage what I eat. He noticed that vitamins and medications shouldkukonsumsi especially when pregnant and after childbirth. He never missed eating regularly reminded, sometimes even feed me if I'm lazy to eat. I never knew what he waseating because I never asked. I do not even know what he likes and dislikes. Almost the entire family to know that my husband is a fan of strong coffee and instant noodles. My chest to hear, because I know he may be forced to eat instant noodles because I hardly ever cook for him. I'm just cooking for the kids and myself. I do not care he had eaten or not when I go home. He can eat my cooking only when left. And he came home late from work every day because it is quite far away from home. I never want to respond to his request to move closer to his office for not far away from where my friends live. At the funeral, I could not help himself. I fainted when I saw him disappear along piles ofstockpiled soil. I do not know anything until waking up in my big bed. I awoke with asense of regret meeting my chest cavity. My extended family in vain to persuade mebecause they never knew why I was so hurt to lose him. I spent the days after his departure is not freedom as long as it wanted, but instead I was trapped in the desire to be with him. In the early days of his departure, I sat stunnedstaring at an empty plate. Father, mother and mother-in-law persuaded me to eat. But what I remember is when my husband talked me eat when I'm mengambek first. When Iforgot to bring a towel in the bath, I screamed and called her as usual when in fact my mother is coming, I crouched down crying in the bathroom hope he comes. Habit ofcalling every time I can not do anything at home, making his bewildered friend answered the phone. Every night I waited in the bedroom and expect the next morning I woke upnext to her figure.
I was so upset when first heard snoring sleep, but now I even wake up for the longing to hear it again. First I was upset because he was often a mess in our bedroom, but now Ifeel our bedroom was empty and hollow. Once I was so upset when it does the job andleft it on my laptop without having to log out, now I'm staring at a computer, the keysrubbed his fingers hoping the former is still left there. First I do not like it to make coffeewithout a base plate on the table, now the scar is left on the breakfast terakhirnyapun not want to erase. Typical television remote hiding, is now easily found, though I wish I couldreplace the loss with the loss of the remote. All the stupidity that I did because I realizedthat he loved me and I have been hit by an arrow of love.
I'm also angry at myself, I was angry because all seemed normal although she had none. I was angry because her clothes are still there to leave the smell that makes me nostalgic.I was angry because he can not stop all my sorrow. I was angry because there's nothingto persuade me to calm down, reminding me there's nothing more I pray even nowwillingly. I pray because I want to apologize, to apologize to God for a husbandsquandered was awarded to me, asking forgiveness for being a bad wife to her husbandwho is so perfect. Sholatlah are able to remove my grief a little. Love God showed to mewith so much attention from the family for me and the kids. My friends who have beendefending Stand up, almost never show their nose after the departure of my husband.
Forty days after his death, reminding families to rise from adversity. There are two children who are waiting for me and should I live. Back a sense of confusion came over me. During this time I knew something wrong and never worked. My husband is all done.How much of his income during this I do not care, I care about only the amount of dollarsthat he transfer to my account for personal use and wear for every month the money isalmost never left. From the office where she works, I get the final salary with bonuscompensation.
I was speechless when he saw it did not expect, it turns out the entiresalary is transferred into my account so far. Though I was never the slightest use for domestic purposes. Somewhere else where he obtained the money to meet domesticneeds because I never asked about itu.Yang though I know now I have to work or my children would not be able to live because of the number of final salary and bonuscompensation would not be enough to feed three of us. But working in? I hardly everhave any experience at all. Everything is always governed by him.
Bewilderment missed some time later. My father came with a notary. He brings a lot of documents. Then provide a notarized letter. Husband's affidavit that he bequeathed his entire estate to me and the kids, he accompanied his mother in the letter but that made me unable to say anything is what she wrote for me.Beloved wife Liliana,
Sorry to have to leave first, dear. sorry to make you responsible for taking care ofeverything yourself. I'm sorry I can not give love and affection again. God gave me a veryshort time for love and children is the best thing I ever did for you.
If I could, I would like to accompany love forever. But I do not want you to lose my love for granted. I've been saving little by little to your life later. I do not want to love hard after I left.There's not much but I hope I can give love to use it to raise and educate children. Do your best to them, yes dear.
Do not cry, my love being spoiled. Do a lot of things to make your life wasted all this time.I give you the freedom to realize the dreams that you do not have time for this. Forgive me if I trouble you and may God give you better than me mate.
Dear Farah, my beloved daughter. I'm sorry because my father could be there with you.Be a good wife as mother and Farhan, knight protector. Take care of mother and Farah.Do not be a naughty boy again and always remember where you were, my father would see him there. Okay, Buddy!
I wept reading the letter, there is a cartoon with glasses that were typical of the tongue sticking my husband if he sent the note.Notary told that during this time my husband has some insurance and savings deposits of the legacy of his biological father. My husband made some of the savings deposit business and the business was quite successful despite dimanajerin by those beliefs. I can only cry to know how much he loved us, so that when death came to him he was still flooded us with love.
I never thought to marry again. The number of men who attended was able to remove the figure is still so alive in my heart. Day after day just kuabdikan for my children. When my parents and my in-laws go one by one leaving selaman ever, none left the sadness deepsadness when my husband left. The second son is now twenty-three year old daughter. In two days my daughter marry ayoung man from the land side. Our daughter asked, "Mom, I'm going to do it later after becoming a wife, Farah because it can cook ga, ga can cleaning, how ya lady?"
I hugged her saying "Love love, love your husband, love the choice of your heart, lovewhat he has and you will get everything. For love, you will learn to please him, will learn to accept his shortcomings, will learn that for any problem, you'll finish it in the name of love. "My daughter looked at me, "like a mother's love for the father? Is that love makes the mother remained faithful to the father until now? "
I shook my head, "no, my dear. Love your husband like a father loves the mother first, like a father loves you both. Devoted mother to my father for father's love is so great in the mother and both of you. " I probably got lucky because it did not show my love for my husband. I spent ten years tohate him, but spent most of the rest of my life for love. I'm free of him because of death,but I could never free from the love that is so sincere.
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