Makalah Asuransi Kesehatan & BPJS
1. 1. 1 ASURANSI ASURANSI KESEHA KESEHAT TAN SOSIAL SOSIAL DAN BADAN BADAN PENYELENGGAR PENYELENGGARA A JAMINAN SOSIAL (BPJS) MAKALAH EKONOMI KESEHATAN KESEHATAN DISUSUN OLEH : FIRDA MUMTAHANAH MUMTAHANAH 1205015041 OKI FITRIANI 120501508 RAHMA DIAN PRATI!I 12050150"# SHAFA NABILAH EKA PUTERI 1205015105 TAK!ANI SU$I PRESTANTI 1205015121 FAKULTAS ILMU%ILMU KESEHATAN PROGAM STUDI KESEHATAN KESEHATAN MASYARAKAT UNI&ERSITAS UNI&ERS ITAS MUHAMMADIYA MUHAMMAD IYAH H PROF. PR OF. DR. HAMKA JAKARTA 2014 2. 2. 2 BAB I PENDAHULUAN 1.1 L''B*+','- K*/*''- *3','- '-' A++' S!T '- 6', *-+' ''-'7 +* ,'*-' /*3'-' -,' */*9 6/,. K*/*''- /6' *3','- ,*9'- 3,, 6'+' 63. T*;6-' ,*'6''- /*' '6'+' ,**-6', /*' 3',. M*/,3- /6' 9*'%'7 '- 6', 9/' /*<'' +', *--6' 9'''. S',7 ,*<*+',''-7 ,*''-7 ,*9',''-7 *3' 97 3*-<'- 6'- -6','- ,-'+ '6'+' ,*'6''- 9''' '- - ,- 6'6'3 6'+' 63. A,9' '- 9+ 6' 9*9'' '<' 9''' */*9 9/' 9*3' 3*'/''6', *-*-'-,'- /'3' 9*3' '+'3*',' 9*/'. P'6' 6'/'-' 3*/' /*3* 6 ''/ *3','- 3*/' '- ', 3'/7 ', *3*6,/ 6'- ', -,- 6-6','-. D'3', 6' ,*;'6'- /*3* */*9 6', '- ' 9*3' ,*'- =/,7 ','- *'3 ;' 9/' ,*'- *,-. S', /'+-' 9/' **+,'- 9'' /'3' 3+'-7 '/' ;' 3' -' +''- 3'. K*<*+',''- 9/' *-*9'9,'- /*/*'- 6', 9/' *-<' -'=,' -, 9*9*'3' ', '' 9','- /* 63. O+* ,'*-' 7 */, /*3* */*9 6'3' 6'/'-/,'-7 ' *+'+ '/'-/ ,*/*''-. P*'''-*-'-'/'-/,*/*''- 6 I-6-*/' '//'-'9*''.S*'3 '- *9,'-'/'-/-,6-'7 6' 9' '- 9' +' /'3' 6*'/'6'-'-'--'. S*;',+'/*'-9'/6'**+,'-'/'-/,*/*''-.A/'-//'-'6 3*+,'-6'+'63-7 -,*+-6-,*'-'-,*+''.P'6''- 200"7 6 AS7 6',*+''%,*+'',*+'/*-*-' '- 6-'','-9'-,7 >0?6,'*-','-*,'/-''-**,'-,9''3*-9''- 6 '/',.M*--' 3*---' '/'-/ 9' /*'3 '-7 -, 6 6'+' ','+' - ','- 6;*+'/,'+*9 +'-; *-*-' '/'-/ ,*/*''-7 #. #. # '' 6'3' *-'9' 3*-*''- ''//' /*3' '/'-/7 ,//-' '/'-/ ,*/*''- 6'- '/'-/ ,*/*''- //'+. 1.2 R/'- M'/'+' 1. B'''-' ,-/*3 '/'-/ ,*/*''-@ 2. A3',' '-='' 6' '/'-/ ,*/*''-@ #. B'''-' ,-/*3 '/'-/ ,*/*''- //'+@ 4. A3',' '-='' 6' '/'-/ ,*/*''- //'+@ 5. A3' /';' 9'6'- 3*-*++' '/'-/ ,*/*''- //'+@ >. A3',' 3*'-'- 3**-' 6'+' '/'-/ ,*/*''-@ 1.# T;'- 1. M*-;*+'/,'- ,-/*3 '/'-/ ,*/*''-. 2. M*-;*+'/,''-='' 6' '/'-/ ,*/*''-. #. M*-;*+'/,'- ,-/*3 '/'-/ ,*/*''- //'+. 4. M*-;*+'/,'- '-='' 6' '/'-/ ,*/*''- //'+. 5. M*-;*+'/,'- 9' 6'- '- *-*++' '/'-/ ,*/*''- //'+. >. M*-;*+'/,'- 3*'- 3**-' 6'+' '/'-/ ,*/*''-. 1.4 M'-='' 1. M*-*' ,-/*3 '/'-/ ,*/*''-. 2. M*-*' '-='' 6' '/'-/ ,*/*''-. #. M*-*' ,-/*3 ,- /*3 '/'-/ ,*/*''- //'+. 4. M*-*'
'-='' 6' '/'-/ ,*/*''- //'+. 5. M*-*' 9 '6'- '- *-*++' '/'-/ ,*/*''- //'+. >. M*-*' 3*'- 3**-' 6'+' '/'-/ ,*/*''-. 4. 4. 4 BAB II KAJIAN TEORI 2.1 P*-*'- A/'-/ A/'-/ '6'+' /+' '- 6-','- -, *;, 3'6' -6','-7 //*7 '' 9/-/ 6'-' 3*+-6-'=-'-/'+ ('' '- /*<'' =-'-/'+) -, ;'7 33*7 ,*/*''- 6'- +'/*9''-' *-6'3','- 3*-'-'- 6' ,*;'6'-%,*;'6'- '- 6', 6'3' 66' '- 6'3' *;'6 /*3* ,*''-7 ,*+'-'-7 ,*/','- '' /',7 6'-' *+9',' 3*9'''- 3* /*<'' *' 6'+' ;'-,' ', **- /*9'' '- 3+/ '- *-;'- 3*+-6-'- */*9. 1 I/+' 6'/'-/,'- 9'/'-' *;, 3'6 ' /*'+' /*/' '- *-6'3','- 3*+-6-'-. 2.1.1. A/'-/ B*6'/','- U-6'-%U-6'- M*- D.S. H'-/*+7 '/'-/*3','-/'<''-,*-3+,'-6'-'6' 6'/'',' (3**'- 3+/) 6'+'9*-,3*6'-/*9''9'+'--'/*'33*/*'9*',*3* +*3*9'''-/*;+'6'-'3'9+'*;'63*/'''/9'* *-.A/'-/*3','-/'*;'+' , ''=*-*-',. B+'6-;'6'/*,7 '/'-/*3','-/'3*/*;'-6'-'/-6,,*3'6',**-'- , 3*;'-;'-. D'+' KUHD 3'/'+ 24> *9*,'-3*-*'-*-'- '/'-/''3*'--'-'6'+'/'3*;'-;'-7 6*-'-'-'/*'-3*-'--*-,','-6,*3'6'/*'-* '--76*-'-*-*'/'3*7 -,*9*,'-3*-'-'-,*3'6'-','*-'/',*'-7 1 3:CC6.,3*6'.C,CA/'-/. D'/,/*/ 3'6' ' J'7 # J'-' 2014 5. 5. 5 ,*/','-'',*+'-'-,*--'- '- 6''3,'-7 '- -,-','-66*'-','*-'/'3*/' '- ',*-. A/'-/6'+'U-6'-% U-6'- N.2 T 1""2 *-'-/''3*'/'-/'-'6'+'3*;'-;'-'-''6'3',''+*97 6*-'-'-'3',3*-'--*-,','-6,*3'6'*'--7 6*-'-*-*'3*'/'-/7 -,*9*,'-3*-'-'-,*3'6'*'--,'*-',*'-7 ,*/','-'',*+'-'-,*--'- '- 6''3,'-'''--;''9 , 3',,*' '- -,-','-66*'*'--7 '- 9+6'/'3*/' '- 6',3'/7 ''*9*,'-/'3*9'''- '- 66'/','-''/*--'+''63-'/*/*'- '- 63*'--,'-.B'6'- '- *-'+,'-/,6/*9 *'--7 6'-9'6'- '- *-*'/,6/*9 3*-'--.P*;'-;'-'-'',*6'9'6'--6/*9,*9;','-: -'6'+'/*9',-', +*'+ '- *-;*+'/,'-/*'3/+'6'-,-6/ '- 6+-6-. B'' '- 69''+* *'-- ,*3'6' 3*-'-- -,/, '- 6'--6/*9 3*.I-9'/'-'6*-,'-+* 3*-'-- -,6'-' '- 9/'6,+' 6 '/'6*3'-7 9'''6-/'=7 6'-,*--'-. 2.1.2. P*-*'- A/'-/ M*- P'' A+ P*-*'- A/'-/ M*- R9* I. M*: A/'-/ '6'+' /' '+' -, *-'- */, 6*-'- *-'9-,'- /*;+' -%- '- 9**/, '' ,*'- -66 /*<'' ,+*,= 6'3' 63*6,/. K*'- '- 6'3' 63*6,/ */*9 ,*6'- 69' 6'- 66/9/,'- /*<'' 33/-'+ 6 '-'' /*' -%
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‟
‟
‟
‟
8. 8. 8 6'-' '/'',' *-*','- /*;+' '- '' 9''- 9*'' ,*3'6' /-/* (3*-9') /*<'' - '-3' *-- /',. K*,' /'+' /' '-' ,*+'' **,' /',7 /-/* ','- *-9'-' '-3' 3*+ *9'' +'. D*,'- 3+' '+-' 6 6'+' '/'',' T *-' ''- 6+7 ,//-' 6 ,'+'-'- 3*6''- '- 9*9/-/ +-'/ 6'*'. L'/-' 3'6'- 3'/ *9*,'- */, '- 9*/' 9' 3*6''- -, ,*+'-'- ''. U-, *--6' 9*9'- *, - '- -,- ','66*' +* ,*+'' 3'' 3*6''-7 **,' 9*/*3',' -, *-3+,'- 6'-' '- ','- 6-','- /*9'' /'--'- 9' ,*+'' 3*6''- (,'=+') '- +'- '' *--'+ 6'+' 3*;'+'-'- 9/-/-'. P'6' 3**-''- '9'6 1" /*+*3'/ *+/ -6/7 3*-*'3'- //* 3*'/'-/'- '- +*9 6*- *+' 9*,*9'- +'/ 6 E3'. P'6' '/' 3*,*9'-'- -6/ +' *-*/* ,*63'- '6/-'+ 9*9'// 3*'-'-. H'+ - *-9+,'- ,*6',3'/'- 6'+' '+ ,*/'9+'- 6',*3'/'- 3*-6'3''- ;'-,' 3'-;'-. K*6',3'/'- - *< +'-' 9*9'' 3*,3+'- '/'',' '- 9*;'- *-'-- 9*/'' 9*9'' */, '- *-3' '-' /' ,*+3, ',9' 3*,*;''--' . B*9*'3' ,*+3, '- *9*-, 3'6' '/' 6,*-'+ 6*-'- /<, <+97 '+ 9*-*= =-6/7 =*-6+ /<**/7 /'6' =-6/ 6'- +'-%+'-. K-/*3 '/'-/ //'+7 '- 9*/=' ';9 ,'*-' 6' +* 3**-' '' 3*-'/'7 +' 9*,*9'- 6 *3' 3'6' '- 188#. D+' 6 J*'- ,*,' K'-/*+ O &'- B/'<, *';9,'- /*+ 3*,*;' -, 9*'9- 6'+' 6'-' /', (/<,-*// =-6 *,*- =-6). N*'' '/ *-;'- '' ', 3'' 3*,*;' ,*,' *-'+' /', 6'3' *3*-7 6*-'- <'' *';9,'**,' *9'' '- -, 6-' /*-6. S*9'' ,-/*,*-/-'7 ,*,' '- *-'+' ,*''+'- *-6'3','- 3' ',9' /',7 '- */*9 9*', *-6'3','- 3*-'-'- ,*+'-'- 3' */*9. N'- 6*,'-7 S*3* ;' '- *;'6 6 9*9'' 9*+''- 6-'7 3*-3-'- 6'-' /*<'' '6/-'+ '- 9*/=' /,'*+' +* =*-6+ /<**/ 6', 9/' 9*,*9'- /*<'' 3'+. ‟
‟
". ". " D J*'-7 //* '/'-/ ';9 ('/'-/ //'+) 6,*9'-,'- -, '3 ,*+3, ,*;' '' 6 +-,-'- /' /''C3*/'''-. A6' ' ,-< ,*9;','J*'- 6 ', '9'6 ,* 1" */*97 ' /*'3 3*,*;' ';9 *-, 3' 6' -' /',7 6'-' '- *,3+ 6,*++' /*-6 +* ,*+3,-' 6'- /9* 6'-' 9*'/'+ 6' 3*,*;' /*-67 9,'- 6' 3**-'. M6*+ '/'-/ //'+ -+' '- ,*6'- 9*,*9'- 6'- *-;'6 6'/' 3*-*+*-'''- '/'-/C;'-'- //'+ (/<'+ /*<) 6 /*+ 6-' 6*-'- 9*9'' ''/ 3*-*+*-'''-. J'-'//'+ (/<'+ /*<) '- ,- 6,*-'+ 6 6-' 6'- *-<',3 /'+' /' 3' '/'-/ ,*/*''- //'+ 6,*9'-,'- 6 A*,' 6 '- 1"#5 /**+' *;'6 ,// *,- 9*/' (*' 6*3*//-) 6 '- 1"#2. A,'- *'3 3'6' ', 3*'' ,'+ -6'-% -6'- ;'-'- //'+ 6-6'-,'- '- 1"#57 3' '/'-/ ,*/*'' 9*+ '/, 6'+' //* ;'-'- //'+ A*,'. P' '- '/, +*9 6'+ '6'+' ;'-'- ' ' 6'- 6/'9+'/ '- 6,*-'+ 6*-'- OASDI (+6 '*7 / 9*-*=7 '-6 6/'9+ -<*). B' 3'6' 3'6' '- 1">5 A*,' *-'9',' 3' ;'-'- ,*/*''- '- *6 ''/ M*6<'* ('/'-/ ,*/*''- ';9 9' 3*-66, +'-; /' '' +'-/'7 3*-6*' <'<' 6'- 3*-6*' ''+ -;'+) 6'M*6<'6 (3' 9'-'- 3**-' 3/' 6'- 6'*' 6'+' ;'-'- ,*/*''- 9' 3*-66, /,-). S**+' '- 1">57 3' ;'-'- //'+ A*,' 6,*-'+ 6*-'OASDHI (+6 '*7 / 9*-*=7 6/'9+7 '-6 H*'+ I-/'-<*). 2.5 P*-*'-
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
'/'-/ 1. H'-' 9*-6', /*9'' 3*-*++' 6'-' B*-, - 9*,''- 6*-'- 6*+ 3'*67 *3','- 9*-, ,+'/, 6' '/'-/ ,*/*''-. B*-, - ','- *,''' *---,'- *'-- 6' ,9-'/ 6*-'- //* 3*9'''- '- 6;'+'-,'-. J,' 6,9-'/,'- 6*-'- *9/*-7 ','- *,'-. S*9'+,-' ;,' 6,9-'/ 6*-'- 3*3'*- ','- *---,'-. 2. B'6'- 3*-*+*-'' '/'-/ ;' 9*-6', /*9'' 3*-*+*-'' 3*+''-'- ,*/*''-. J*-/ - /*/' 6*-' 9*-, 93'*67 ,*--'- '- 63*+* '6'+' 3*-'''- *'6'3 9' ' ,*/*''- 6'3' 6-,','- /*-' *;'6 3*-*''-. 12. 12. 12 K*'--' 3*+''-'- ,*/*''- '- 69*,'- *'-- 6' 9'6' 3*-*+*-'' 9,'- ,*9'- '/'','. =. D-;' 6' ;*-/ 3*+''-'- '- 6'-- 1. M*-'-- /*+ ;*-/ 3*+''-'- ,*/*''-7 9', 3*-9''(,'*)7 3*+'- (*'9+'*)7 3*--,''- (3*) '3- 3*-<*''(3**-*). D*-'- 6*,'- 3*+''-'- '- 69*,'- 9*/=' *-*+ (<3**-/*) 6*-'- ;'- -, *--,','- 6*';' ,*/*''- 3*/*' /*-' 3*/*' ;''- /', 6'- /*<'' 9'+ 9'+, ','- *---,'- 9'6'- 3*-*+*-'' '/'-/. 2. M*-'-- /*9''- 3*+''-'- ,*/*''-7 9'/'-' '- *9,' 9'' 9*/'7 /'+-' 3*'''- 6 ' /', '' 3*+''-'- ,*/*''- '- 9''-' ,*<+7 /'+-' 3*+''-'- ,*/*''- 6 3/,*/'/. . D-;' 6' ;+' 6'-' '- 6'-- 1. S*+ 9'' ,*/*''- '- 63*+,'- 6'-- +* 9'6' 3*-*+*-''. K*'6''- - 6'3' *-6- 3*'-='''- '- 9*+*9'- +* 3*/*' *'' 9+' ,*'6''- 3*/*' ,'-. 2. H'-' /*9''- 9'' ,*/*''- '- 6'-- +* 9'6'- 3*-*+*-''. D*-'- <'' - 6'3' *-'- 3*'-=''''- 9*+*9'- '' '+ ''6 6-;' 6' 3', 3*/*' ,'*-' 3*/*' '/'-/ '/ *9*,'- ,-9/ '- *+' 6*'3,'- 9 +' *',' +''-'- ,*/*''- (</ /'-). . D-;' 6' <'' 3*9'''- ,*3'6' 3*-*+*-'' 3*+''-'- ,*/*''- 1. P*9'''- 9*6'/','- ;+' ,-;-'- 3*/*' '- *'-='','- 3*+''-',*/*''- (*9/*-). D*-'- 6*,'- ;+' 3*/*' 9*9'-6- +/ 6*-' ;+' '- '- 6*' +* 3*-*+*-'' 3*+''-'- ,*/*''-. 2. P*9''' 9*6'/','- ,'3'/7 ' 9*6'/','- ;+' '-'C3*-66, '- 6+''-7 9*6'/','- ,-/*3 +''. . D-;' 6' ', 3*9'''- *'6'3 PKK 1#. 1#. 1# 1. P*9'''- /**+' 3*+''-'- ,*/*''- /*+*/' 6/*+*-'','- (R*/3*<* P'*-)7 9'/'-' 6- 9*6'/','- /*<* 9 /*<* '' 3'*- 9 3'*-. 2. P*9'''- 6 ,' (3* 3'*-)7' 69*,'- /*9*+ 3*+''-'- 6/*+*-'','-7 9'/'-' 3*-'- 9*6'/','- ,'3'/ 6*-'- 3*+''-'- ,3**-/= 6*-';'- 3*-*''- 6'- *-'- '+ ''6 6' 3*-*+*-'' 3*+''-',*/*''-. ;. D-;' 6' ;*-/ ;'-'- 1. J'-'- 6*-'- '-7 ' '/'-/ '- *9'' 6*-'- *-'- 9'' 3*+''-'- '- 69*,'-. 2. J'-'- '- 69*,'6', 9*3' '- (M'-'*6 $'*)7 <--': JPKM7 A/,*/. N'-7 /*<'' '/ 9*/' A/'-/ K*/*''- 69' *-;'6 6'7 ': '. A/'-/ K*/*''- S/'+ A/'-/,*/*''- //'+ '6'+' '/'-/ ';9 '- ,+*/*+''/*9''-3*-66, (/'+ :3*'').P*'''--'9,'--+' --'+7 *'33*/*-'/*3' '- ';969'','-.M'-='''/'-/(9*-*=)7 6*'3,'-3*''-3*-6'-% -6'-'-6'-/''6*-'-/*'3*/*'. 9. A/'-/ K*/*''- K*/'+ A/'-/,*/*''- ,*/'+ '6'+' '/'-/ '-
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
3*-' 69'' 9*6'/','- ''/ '-,' '9/+ #. P*-'- 3* 9*/=' <- '- '- 9*+', -, ,*+3, '/'',' 4. S'--'- (;'-' 3**+'''- ,*/*''-) 69*,'- /*/' 6*-'- ,-', 1>. 1>. 1> 5. T6', 63*+,'- 3**,/''- ''+ >. P*'-'- 3**-' <,3 9*/' 6*-'*9' 3*''- 3*-6'-%-6'-'-. BAB III PEMBAHASAN #.1 K-/*3 A/'-/ K*/*''- K-/*3 '/'-/ ,*/*''- 3*'' ,'+ 6,*,','- +* H 3'6' '1">4. P'6' ', '9'6 ,*%1"7 '/'-/ ,*/*''- 6''+ 6*-'- '/'-/ *'6'3 ,*<*+',''-. M6*+ '/'-/ - */ 9*+'-; -' ''+ '9'6 ,*%20 6 $'+=-' N*'' 9''- A*,' S*,' 6'- 9*,*9'- 6*-'- 2 6*,'--' 36,%36, '/'-/ ,*/*''- 9' '- /*',- 6*-. M*+'+ '/'-/ ,*/*''- 9'' 3*-9''- 6'- 3*'''- '- 66*' +* / /', (*'--) ','- 6'- +* 3*-'-- (3*/'''- '/'-/). T*'-- 6'- 3*-'-- *9' /' 3*;'-;'- '' ,-', '- /' 66'+' /*9' 3+/. P', 3*-'-- *-'-- /*;+' ,*'- '- -,- 9+ 6'/' 6''-. D I-6-*/'7 3*,*9'-''/'-/ ,*/*''- 6+' 6*-'- '6'-' '/'-/ //'+7 ' '/'-/ ,*/*'' 3*'' -** 6, +* '/'-/ //'+ ,*<*+',''- 9' 3'' 3*'' /'/'7 6'6+'-;,'- 6*-'- '/'-/ //'+ ,*/*''- 9' 3*'' /'/' 6'+' 3' J'//*,. P*,*9'-'- ,*63'- //'+ 6 I-6-*/' '- /*',- ,3+*, *+' *-6- *--,'-' ,*9'- ''/ 9'' 3**+'''- ,*/*''- 6'- 9'' 3*-9''-. U-, **- ,*9'- */*9 ',' 9*9'' //* 3**+''',*/*''- 6,*9'-,'- #.1.1 S/* P*+''-'- A/'-/ K*/*''1. 1. 1 D*-'- 3*-6*,''- //*7 /*<'' /*6*'-' 3*+''-'- '/'-/ *66' ,3-*- '/,'-7 3/*/7 ,*+''- 6'- 6'3', /*' 63*-' +*9*9*'3' =',. '. K3-*- M'/,'- K3-*- '/,'- *6 6' : 1. P*/*' '' '/'',' 9', 3*'-'- ''3- ,*+''. 2. P*/'''- '/'-/ '- 6/*9 9'6'- 3*-*+*-'' '/'-/ (BAPEL). #. P*9* 3*+''-'- ,*/*''- (3*+''-'- ,*/*''- 6'/' '3;,'-)76*-'- '6'-' 3*9''- 3''6' ,* '' 3''6' /*'7 ',' PPK69' 3*-*'--' *-;'6 3*-*+*-'' 3**+'''- ,*/*''-. 4. P**-' 6'3' 9*3*'- /*9'' '/,'- *'3 ;' /*9'' =', '- *3*-'7 /'+-' *9' 3*''- 6'-C'' ,*9;','-. 9. K3-*- P/*/ P/*/ *'9','- 6'+' /6 ,*+'','- 6'- *-<'-' /'' B'3*+73*+',/'-''- /*' -- 6'- *'+'/ 6 /*' ,3-*- '/'-/ '- 66'/','- 3'6' 6'' '- ','. <. K3-*- K*+''- K*+''- 6'3' 9*3' 3*9'''- /*9''- '' ,*/*+'- 3',*%3',*3*+''-'- ,*/*''- /*/' 6*-'- '-/',/ 3* '- *+' 6/*;. D*-'-'6'-' 3*9''- ,* '' 3''6' /*'7 ',' '/'-/ 6''3,'6', '-'9*3*'- 3'6' 3*+''-'- ,'= *'3 ;' 3'=7 3*=*-= 6'*'9+'=. 6. K3-*- D'3', D'3', '' '- 3'+- 6''3,'- '6'+' ',/*/ '/'',' *'6'33*-*+*-'' ,*/*''-7 6'- 3'6' ',-' ','- *--,','/'/C6*';',*/*''- '/'',' '- 6'-6' : 3*''7 '3 63 +*9 +'' 6*-'--6,' ''3'- 63 ,*6'7 *-,' 63 18. 18. 18 /*' 6*-'- -6,''-,' ,*/','- ,*'7 *3-' ,*/*3''*--,','- 3*-*''-6*-'- -6,' '-,' *+*, = 6'- -,' 3*-66,'/*' ,**3'7 63/*;'*' 6*-'- -6,' 3*-6'3''- 3* ,'3'. *. F', '-
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
'/'',' 6'- *-;*+'/,'- 9'''-' //* ,*;' 6' '/'-/ ,*/*''- //'+ */*9. S*-' 6', ','- *-9+,'- ,*9--'- 6 /*9''- '/'',' I-6-*/'. 25. 25. 25 DAFTAR PUSTAKA A,*+ A/'-/ K*/*''- P*-*'- A/'-/ K*/*''-. (20127 J'-'). D3*, J'-' 20147 6' A/'-/ K*+'' $*6'/: 3:CC'/'-/,*+''<*6'/.63*//.<C2012C01C02C',*+%'/'-/% ,*/*''-% 3*-*'-%'/'-/%,*/*''-C A/'-/. (201#). D3*, J'-' 20147 6' !,3*6': 3:CC6.,3*6'.C,CA/'-/ A/'-/ K*/*''-. (201#7 M'). D3*, J'-' 20147 6' !,3*6': 3:CC6.,3*6'.C,CA/'-/K*/*''- P*-*'A/'-/ M*- P'' A+. (201#7 O,9*). D3*, J'-' 20147 6' P*-*'- A+: 3:CC.3*-*'-'+.<C201#C10C3*-*'-% '/'-/%*-%3''%'+.+ D;'*-7 H. (200). A/'-/ K*/*''- 6'- M'-'*6 $'*. B'-6-: U-*/'/ P'6;'6;''-. I6/7 M. (20107 A3+). S*;'' A/'-/ K*/*''-. D3*, J'-' 201 47 6' D/,/ K*/*''- M'/'',': 3:CC''66/1"0.63*//.<C2010C04C11C/*;''%'/'-/% ,*/*''-C P-/3 D'/' A/'-/. (.-.). D3*, J'-' 20147 6' P'- P'<=< I-/'-<*: 3:CC3'-=<.<C-/'-<*%,-+*6*C3-/3%6'/'%'/'-/C R''7 D. A. (201#7 M'). A/'-/ K*/*''-. D3*, J'-' 20147 6' D A/ R'': 3:CC6'/'''.9+/3.<C201#C05C'/'-/% ,*/*''-.+ 2>. 2>. 2> S','7 R. A. (201#7 J+). T'/ IKM T-;''- P/',' A/'-/ K*/*''- . D3*, J'-' 20147 6' T* J = B*- MA: 3:CC'9'-*.63*//.<C201#C0C12C'/'-/%,*/*''-C T'9'-7 H. (.-.). I-6,/ A/'-/ K*/*''-. D3*, J'-' 20147 6' S'== UI: 3:CC/'==..'<.6C//*C=+*/C/*/C'/9+'C'*'+C9'9-6,/'/'/,*/*''-*6*6.36= U-6'-%U-6'- N. 24 T'- 2011 T*-'- B'6'- P*-*+*-'' J'-'- S/'+. (.-.).