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Tuesday, July 7, 2009

Hydro Gel







Hydrogel (also called Aquagel) is a network of polymer chains that are water-insoluble, sometimes found as a colloidal gel in which water is the dispersion medium. Hydrogels are highly absorbent (they can contain over 99% water) natural or synthetic polymers. Hydrogels also possess a degree of flexibility very similar to natural tissue, due to their significant water content.
Hydrogel is a polymer product that can unravel through decomposition by mikrobia so this product is very safe to use. Polymer is sensitive to direct sunlight, which will cut off the chain polymernya and a few straggling oligomer.

Hydrogel akan unravel naturally in the soil to be CO2, H2O and nitrogen components.


Besides looks beautiful, the hydrogel particle-like crystals often deceive anyone who is new to view. Hydrogel is also interesting because of the color. How can be beautiful if you have the room clear vase containing plants that grow in media with hydrogel colors captivate like a Red, Pink, Purple, Blue, Green, Yellow, Orange and White a sparkler.


In addition to beautify the room, this hydrogel can be used to plant a mixture of media in the pot plants, agricultural land, plantations, forests, etc.. So you who lived in the area of lack of water supply or the price of water is expensive or that you want to reduce the volume and frequency of sprinkling the plants and you will travel far and long, you never need to worry, HYDROGEL akan provide water and meet the needs of water you plant.

Benefits of using the hydrogel:

  • Ensure available water throughout the year.
  • Reduce ferekuensi sprinkling / irrigation up to 50%.
  • Reduce water and nutrient loss caused by leaching and evaporasi.
  • Improve the physical properties of soils with a compact form aerasi the air is good.
  • Increase plant growth due to nutrient and water always available in the vicinity of the plant so that to optimize the absorption by roots.
  • Reducing the mortality figures.

Reduce environmental pollution from erosion and ground water pollution.

Of land on the plant
Hydrogel work as a substitute for land in the plant. Most of the hydrogel used for indoor plant media.

Plants that are suitable use Hydrogel is: Aluminum Plant (Leaf Pearl) ,Aglaonema ,Foreword Netherlands, Emerald Bamboo / Bamboo China Water and plant lovers


Not all plants can grow well in the hydrogel. The characteristics of plants that can grow the plants that have resistance to the nature of excess water content, resistance to high humidity, not wooden, plants in space, generally does not flower. Hydrogel can also be planted vegetables such as lettuce and caisim. Plants in the first ditumbuhkan husk charcoal until a month before they are moved into the hydrogel.


Please be understood that, Hydrogel does not replace the water but can optimize accordingly through the use of a more effisien.

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Plant Hydro Gel


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Plant Hydrogel



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Perfume Hydrogel



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Candles Hydrogel



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Plant Hydrogel



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Thursday, July 2, 2009

Islamic Finance and Banking


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Pemahaman sederhana tentang Jenis Bunga Bank

  • Bunga pinjaman ada yang berdasarkan atas sifat bunga, yaitu bunga tetap dan mengambang. Ada juga yang menurut perhitungan terhadap pokok (kredit), yaitu system bunga flat, efektif dan annuitas.
  • Bunga Tetap (Fixed Interest)
    Dalam system ini , tingkat suku bunga akan berubah selama periode tertentu sesuai kesepakatan. Jika tingkat suku bunga pasar (market interest rate) berubah (naik atau turun), bank akan tetap konsisten pada suku bunga yang telah ditetapkan. Lembaga pembiayaan yang menerapkan system bunga tetap menetapkan jangka waktu kredit antara 1 -5 tahun.
    Keuntungan bagi anda adalah jika suku bunga pasar naik. Anda tidak akan terbebani bunga tambahan. Sebaliknya jika suku bunga pasar turun dan selisihnya lumayan besar, maka ada baiknya anda mempertimbangkan untuk melakukan refinancing, anda mestinya meyelesaikan kredit lebih cepat dan mengganti dengan kontrak baru yang berbunga rendah (Pinjaman tunai) .

  • Bunga Mengambang (Floating Interest)
    Dalam sistem ini, tingkat suku bunga akan mengikuti naik-turunnnya suku bunga pasar, maka bunga kredit anda juga akan ikut naik, demikian pula sebaliknya. Sistem bunga ini diterapkan untuk kredit Jangka panjang, sedangkan kredit kepemilikan rumah, modal kerja, usaha dan investasi.

  • Bunga Flat (Flat Interest)
    Pada sistem bunga flat, jumlah pembayaran pokok dan bunga kredit besarnya iama setiap bulan. Bunga Flat biasanya diperuntukan untuk kredit jangka pendek, contoh, kredit mobil, kredit motor dan kredit tanpa agunan. Lihat Pinjaman Cepat dan Usaha Pinjaman.

  • Bunga Effektif (Effective Interest)
    Pada sistem ini, perhitungan beban bunga dihitung setiap akhir periode pembayaran angsuran setiap akhir periode pembayaran angsuran berdasarkan saldo pokok. Beban bunga akan semakin menurun setiap bulan karena pokok utang jiuga berkurang seiring dengan cicilan.

    Jangan membandingkan sistem bunga flat dengan efektif hanya dari angkanya saja. Bunga flat 6 % tidak sama dengan bunga efektif 6 %.

    Besarnya bunga efektif biasanya 1.8 – 2 kali bunga flat. Jadi bunga flat 6 % sama dengan bunga efektif 10.8 % - 12 %.

  • Bunga Anuitas (Anuity Interest)
    Bunga anuitas boleh disetarakan dengan bunga efektif, bedanya ada rumus anuitas yang bisa menetapkan besarnya cicilan sasma secara terus-menerus sepanjang waktu kredit. Jika tingkat bunga berubah, angsuran akan menyesuaikan. Klik Modal Usaha dan Modal Pinjaman.

    Dalam perhitungan anuitas, porsi bunga pada masa awal sangat besar sedangkan porsi angsuran pokok sangat kecil. Mendekati berakhirnya masa kredit, keadaam akan menjadi berbalik, porsi angsuran akan sangat besar sedangkan porsi bunga menjadi lebih kecil.

    source : various

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