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Text of the page (random words):
rty through coercion deception or forced claims the arabic term used is bil batil unjustly wrongfully which classical commentators define as any acquisition of wealth outside of valid legal contracts or voluntary trade surah an nisa 4 29 o you who have believed do not consume one another s wealth unjustly but only business if it be trade by mutual consent and do not kill yourselves or one another indeed allah is to you ever merciful application to your text this verse perfectly bridges your economic argument with your comparison of theft and violence it explicitly pairs the prohibition of economic theft do not consume wealth unjustly with the prohibition of physical violence do not kill yourselves one another establishing them as parallel pillars of a secure society written by anjar priandoyo minggu juni 28 2026 at 8 23 am ditulis dalam business tagged with crime law verses a good legal system reduce transaction cost leave a comment 1 institutional economics douglass north argument economic growth depends more on institutions than on natural resources notes indonesia inherited a colonial legal and administrative structure built for extraction not production post independence this was overlaid with suharto era centralized patronage networks what indonesians call kkn korupsi kolusi nepotisme the new order didn t dismantle extractive colonial institutions it adapted and localized them reformasi 1998 decentralized power but decentralization without institutional reform simply distributed rent seeking to 500 regional governments rather than eliminating it 2 transaction cost economics ronald coase and oliver williamson argument every economic transaction has costs beyond the price itself a good legal system reduces these transaction costs notes indonesia consistently ranks poorly on contract enforcement speed and cost according to world bank doing business metrics resolving a commercial dispute in indonesia takes over 400 days on average compared to under 150 in singapore 3 property rights theory hernando de soto argument secure property rights allow assets to become capital formal property systems support entrepreneurship and investment notes indonesia has one of the highest rates of informal land tenure in southeast asia the land certification backlog has historically run into tens of millions of parcels this creates a cascading failure a farmer with unregistered land cannot access bank credit an urban micro entrepreneur operating from an informally occupied property cannot formalize their business land disputes are endemic and resolved through power rather than law 4 new institutional economics argument prosperity depends on institutions economic incentives improve when institutions are reliable notes indonesia s incentive structure has historically rewarded proximity to power over productive excellence this manifests in a business licensing as gatekeeping the oss online single submission system was designed to streamline this but implementation varied dramatically by sector and region b soe dominance bumn corporations like pertamina pln and telkom operate with political mandates that crowd out private competition in strategic sectors c talent misallocation ambitious individuals rationally orient toward government careers or connected business networks rather than entrepreneurial risk taking 5 inclusive vs extractive institutions daron acemoglu and james a robinson argument inclusive institutions tend to achieve greater long term prosperity notes indonesia presents a genuinely interesting case it democratized but democratic reform has not fully translated into institutional inclusiveness several dynamics explain this a elite circulation not elite replacement post reformasi saw suharto s military business networks adapt rather than dissolve former generals became politicians conglomerates reconfigured rather than lost market power b oligarchic political financing party politics in indonesia is largely funded by business elites creating structural dependency between political office and economic privilege c resource curse dynamics commodity booms coal palm oil nickel reduce pressure on governments to build tax based accountability with citizens the classic acemoglu robinson trap d judicial weakness courts that can be influenced by money or political pressure are the single most reliable marker of extractive institutional architecture written by anjar priandoyo minggu juni 28 2026 at 5 42 am ditulis dalam life perfect crime leave a comment explain the case below the recent civil lawsuit reported by kompas presents an interesting case study of what appears to be a highly credible investment scheme rather than relying on extravagant promises the arrangement was built on trust familiarity and a plausible business opportunity according to the lawsuit surya pinnata 63 filed a civil claim for breach of contract wanprestasi against tan voni susilowati and linda cynthia wenas after his rp2 billion investment was allegedly not returned when it matured according to the plaintiff surya pinnata had known tan voni susilowati through their church community for many years and had appointed her as his personal financial adviser tan voni susilowati allegedly persuaded him to invest in a traditional medicine ginseng manufacturing business and introduced him to linda cynthia wenas who became the contracting party in two cooperation agreements surat perjanjian kerjasama the investment promised a 3 monthly return together with a full guarantee of the principal upon maturity while monthly profits were reportedly paid at the beginning of the investment period the rp2 billion principal was allegedly never returned after the investment matured during the court proceedings tan voni susilowati and linda cynthia wenas reportedly argued that they were themselves victims of an even larger fraud allegedly committed by a third party oo gunadi however the plaintiff argues that this does not affect their contractual obligations because his legal relationship existed only with the two defendants this case is particularly interesting because several obvious red flags existed yet each appeared reasonable enough that they did not trigger suspicion 1 church friends who had known each other for many years this is arguably the strongest factor fraud researchers refer to this as affinity fraud where perpetrators exploit trust within a religious ethnic professional or social community according to the lawsuit surya pinnata knew tan voni susilowati through their church community long before the investment opportunity arose he trusted her sufficiently to appoint her as his personal financial adviser instead of independently verifying the investment the victim relied on an established personal relationship social trust effectively replaced financial due diligence 2 a legitimate looking business with a believable return the investment was presented as financing a ginseng traditional medicine manufacturing business unlike many fraudulent schemes that rely on vague or mysterious investment opportunities this business had a clear commercial narrative manufacturing traditional medicine is a legitimate industry with understandable sources of revenue the promised return of 3 per month was significantly higher than bank time deposits which generally pay around 6 per year but it was not so extraordinary that it immediately appeared impossible psychologically this is important promises of 10 20 per month usually trigger immediate skepticism by contrast 3 per month appears ambitious but still believable particularly when presented as the return from an operating business rather than a financial product the additional promise that the entire principal would be returned at maturity further reinforced the perception that the investment carried limited risk 3 a reasonable investment amount the investment totaled rp2 billion this is a realistic amount for someone who has accumulated retirement savings over a 30 or 40 year career many retirees seek investments that generate regular monthly income while preserving their capital from surya pinnata s perspective investing his retirement savings to supplement his income was a rational financial objective the amount itself therefore did not suggest reckless speculation 4 victim s age 63 older adults often possess substantial accumulated assets making them attractive targets for financial fraud they may also place greater trust in long standing personal relationships and be less inclined to suspect deception by trusted acquaintances at retirement investors face two competing objectives preserving lifetime savings and generating sufficient income to support retirement an investment promising stable monthly returns together with guaranteed repayment of principal naturally appeals to both objectives 5 the adviser s contractual role one particularly interesting detail is that although surya pinnata alleges that tan voni susilowati actively persuaded him to invest and introduced him to linda cynthia wenas the cooperation agreements reportedly listed tan voni susilowati only as a witness according to the plaintiff this contractual description did not reflect what actually occurred because she was allegedly the principal person who promoted the investment from a governance and risk management perspective this illustrates how contractual documentation may allocate legal responsibility differently from the roles individuals play during the sales process 6 the we were also victims defence another notable aspect of the case is the defendants reported claim that they also became victims after allegedly entrusting funds to oo gunadi who they claim caused losses far exceeding the plaintiff s investment whether this defence succeeds is ultimately a matter for the court however from the plaintiff s perspective his contractual relationship existed only with tan voni susilowati and linda cynthia wenas not with oo gunadi therefore any dispute involving a third party should not affect the defendants contractual obligation to return his investment written by anjar priandoyo sabtu juni 27 2026 at 8 38 pm ditulis dalam business tagged with crime money retirement entri lama cari untuk categories business 1 220 career 489 health 463 life 3 742 science 1 962 society 915 uncategorized 331 tags 300 400 500 accounting art banking book calorie certification chore coding coffee conference core correlation crime data development digital education expense food governance government graduate infrastructure intelligence isaca islam language law list literature management media medicine meme money monthly movie music organization parenting payment photo planning pmi podcast politics property psychology queue quote race relationship retirement risk running security sleep sociology sport standard step sustainability swimming testing touring transport trip verses video weekly weight yearly top posts berapa sih pasaran sewa tower bts indosat berapa gaji engineer itu tips interview gaji tambang non migas struktur gaji di epci pelajaran dari calon pegawai chevron yang gundah untung rugi kuliah s2 di ui suara hati trainee bri yang kecewa prospek bekerja di perkebunan atau perhutanan qatar gunamandiri dan uang nissan grand livina menghadang toyota recent posts dilindungi allah expense equilibrium menjalani hidup dengan baik human sensory good mood thou shalt not kill the ungrateful and the violence thou shalt not steal a good legal system reduce transaction cost perfect crime arsip arsip pilih bulan juli 2026 4 juni 2026 112 mei 2026 117 april 2026 112 maret 2026 166 februari 2026 137 januari 2026 119 desember 2025 100 november 2025 87 oktober 2025 101 september 2025 93 agustus 2025 95 juli 2025 100 juni 2025 116 mei 2025 133 april 2025 82 maret 2025 105 februari 2025 32 januari 2025 110 desember 2024 92 november 2024 79 oktober 2024 104 september 2024 102 agustus 2024 83 juli 2024 78 juni 2024 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