"A Summary" – Apr 2, 2011 (Kryon channelled by Lee Carroll) (Subjects: Religion, Shift of Human Consciousness, 2012, Intelligent/Benevolent Design, EU, South America, 5 Currencies, Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Middle East, Internet, Israel, Dictators, Palestine, US, Japan (Quake/Tsunami Disasters , People, Society ...), Nuclear Power Revealed, Hydro Power, Geothermal Power, Moon, Financial Institutes (Recession, Realign integrity values ..) , China, North Korea, Global Unity,..... etc.) -

“ … Here is another one. A change in what Human nature will allow for government. "Careful, Kryon, don't talk about politics. You'll get in trouble." I won't get in trouble. I'm going to tell you to watch for leadership that cares about you. "You mean politics is going to change?" It already has. It's beginning. Watch for it. You're going to see a total phase-out of old energy dictatorships eventually. The potential is that you're going to see that before 2013.

They're going to fall over, you know, because the energy of the population will not sustain an old energy leader ..."
"Update on Current Events" – Jul 23, 2011 (Kryon channelled by Lee Carroll) - (Subjects: The Humanization of God, Gaia, Shift of Human Consciousness, 2012, Benevolent Design, Financial Institutes (Recession, System to Change ...), Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Nuclear Power Revealed, Geothermal Power, Hydro Power, Drinking Water from Seawater, No need for Oil as Much, Middle East in Peace, Persia/Iran Uprising, Muhammad, Israel, DNA, Two Dictators to fall soon, Africa, China, (Old) Souls, Species to go, Whales to Humans, Global Unity,..... etc.)
(Subjects: Who/What is Kryon ?, Egypt Uprising, Iran/Persia Uprising, Peace in Middle East without Israel actively involved, Muhammad, "Conceptual" Youth Revolution, "Conceptual" Managed Business, Internet, Social Media, News Media, Google, Bankers, Global Unity,..... etc.)

The headquarters of the Corruption Eradication Commission (KPK) in 
Jakarta. (BeritaSatu Photo)
"The Recalibration of Awareness – Apr 20/21, 2012 (Kryon channeled by Lee Carroll) (Subjects: Old Energy, Recalibration Lectures, God / Creator, Religions/Spiritual systems (Catholic Church, Priests/Nun’s, Worship, John Paul Pope, Women in the Church otherwise church will go, Current Pope won’t do it), Middle East, Jews, Governments will change (Internet, Media, Democracies, Dictators, North Korea, Nations voted at once), Integrity (Businesses, Tobacco Companies, Bankers/ Financial Institutes, Pharmaceutical company to collapse), Illuminati (Started in Greece, with Shipping, Financial markets, Stock markets, Pharmaceutical money (fund to build Africa, to develop)), Shift of Human Consciousness, (Old) Souls, Women, Masters to/already come back, Global Unity.... etc.) - (Text version)

… The Shift in Human Nature

You're starting to see integrity change. Awareness recalibrates integrity, and the Human Being who would sit there and take advantage of another Human Being in an old energy would never do it in a new energy. The reason? It will become intuitive, so this is a shift in Human Nature as well, for in the past you have assumed that people take advantage of people first and integrity comes later. That's just ordinary Human nature.

In the past, Human nature expressed within governments worked like this: If you were stronger than the other one, you simply conquered them. If you were strong, it was an invitation to conquer. If you were weak, it was an invitation to be conquered. No one even thought about it. It was the way of things. The bigger you could have your armies, the better they would do when you sent them out to conquer. That's not how you think today. Did you notice?

Any country that thinks this way today will not survive, for humanity has discovered that the world goes far better by putting things together instead of tearing them apart. The new energy puts the weak and strong together in ways that make sense and that have integrity. Take a look at what happened to some of the businesses in this great land (USA). Up to 30 years ago, when you started realizing some of them didn't have integrity, you eliminated them. What happened to the tobacco companies when you realized they were knowingly addicting your children? Today, they still sell their products to less-aware countries, but that will also change.

What did you do a few years ago when you realized that your bankers were actually selling you homes that they knew you couldn't pay for later? They were walking away, smiling greedily, not thinking about the heartbreak that was to follow when a life's dream would be lost. Dear American, you are in a recession. However, this is like when you prune a tree and cut back the branches. When the tree grows back, you've got control and the branches will grow bigger and stronger than they were before, without the greed factor. Then, if you don't like the way it grows back, you'll prune it again! I tell you this because awareness is now in control of big money. It's right before your eyes, what you're doing. But fear often rules. …

Friday, April 20, 2007

Local lenders living on borrowed time, warns BI

Urip Hudiono, The Jakarta Post, Jakarta

Indonesia's banks may lose out to their regional competitors when the free trade and services agreement among Southeast Asian nations is fully implemented in 2015.

Syamsul Arifin of Bank Indonesia's international affairs unit said Thursday that most of the country's banks were still far from being efficient or capable of going head to head with their regional rivals.

He said that the local banking industry's average interest rate spread -- the margin between its lending rates and deposit rates, which is used to cover operating costs and produce profits -- was among the highest in the region.

"The spread stands at between 5 and 7 percent in Indonesia, while in other countries -- like Singapore and Malaysia -- it's only between 2 and 3 percent," Syamsul said during a discussion hosted by BI Thursday.

"This clearly raises the question of whether Indonesian banks -- with all their inefficiencies -- will really be ready to compete in the upcoming ASEAN single market?"

The interest rate spread is perhaps the simplest yardstick for gauging competitiveness in the banking industry. While banks that offer higher deposit rates may be able to attract more funds from the public, bank profits actually depend on the ability of lenders to extend more loans. Naturally, businesses seeking loans will be drawn to those banks that offer the lowest lending rates.

Syamsul further said that the matter was a cause of major concern to BI, and had to be quickly resolved through the setting out of policies to make local banks aware of the situation and encourage them to run their businesses in a healthier manner.

BI director for banking policy and regulation, Halim Alamsyah, had previously warned of the inefficiencies plaguing local banks.

He pointed out that their overheads were often up to 1.5 times those of banks in Singapore, Hong Kong and Japan, while many Indonesian banks still applied risk premiums -- additional lending surcharges to take account of specific risks on the part of particular borrowers -- of up to 2 percent, while international best practice limited such surcharges to only 1 percent.

Accordingly, Halim said BI was planning to issue regulations to encourage greater efficiency in the banking system.

Inefficiencies in the banking industry may explain why lending rates have been relatively slow to come down -- they still stand at an average of 14 percent -- even though the central bank's benchmark rate -- and the Deposit Insurance Agency (LPS)'s maximum rate for guaranteed rupiah deposits -- have both declined to 9 percent.

The slow progress in improving Indonesia's investment climate and infrastructure, and in reducing red tape, all of which have increased the cost of doing business here, only adds to the problem. Indonesia is ranked among the world's least competitive nations and as one of the riskiest places for doing business.

High lending rates and an uncertain business environment only serve to discourage businesses from borrowing.

All this comes on the back of the decision by ASEAN to bring forward its plan to form a European Union-style single market allowing for the free movement of goods, services and investment in 2015. In January, ASEAN also signed a free-trade agreement with rising global economic giant China, which will come into effect this July.

Analysts have long been warning that Indonesia could lose out badly in the services sector -- which also includes the banking industry -- with the country already running a deficit of up to $10 billion even without the free market -- and have urged the government to take action to improve the situation.

The head of the Finance Ministry's Fiscal Policy Agency, Anggito Abimanyu, recently said the government would continue harmonizing its taxation and customs regulations with the other ASEAN countries.

Thursday's discussion at BI was held in advance of the central bank's planned launching today of three books highlighting the challenges facing Indonesia in the ASEAN and global free-trade markets. BI Governor Burhanuddin Abdullah and Trade Minister Mari Elka Pangestu will address a seminar on the topic to mark the launching of the books.

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