Berikut Cara Tepat Mengatur Kartu Kredit

kartu kredit futuready
kartu kredit futuready
kartu kredit

Pola hidup manusia sekarang ini tidak terlepas dari kehidupan yang serba simple dan tidak suka akan proses yang lama, hal tersebut juga ditunjang oleh beberapa kemajuan di bidang teknologi dan komunikasi yang semuanya serba canggih. Bagitu juga dalam hal kebutuhan pribadi seperti belanja, pembayaran listrik, pulsa dan lainnya dengan menggunakan alat yang praktis seperti kartu kredit. Namun  terdapat beberapa kendala yang biasa dihadapai oleh para pemegang kartu kredit seperti tagihan yang membludak. Oleh karena itu, dibutuhkan cara mengatur dan memanfaatkan kartu kredit yang benar supaya kita tidak kesulitan di saat masa tagihan datang.

Berikut adalah cara mengatur kartu kredit yang tepat supaya kita tidak terlena yang berkibat tagihan membengkak yaitu :

  1. Miliki kartu kredit seperlunya

Banyak tawaran yang menggiurkan dari beberapa layanan yang memfasilitasi kartu kredit dapat membuat anda jatuh hati dan ingin memilikinya lebih dari satu kartu kredit. Namun hal tersebut harus disesuaikan dengan penghasilan anda tiap bulannya, kalau bisa nominal limit kartu kredit di bawah penghasilan anda sehingga ketika anda lupa untuk membayar, maka penghasilan anda akan menutupinya sehingga anda terhindar dari denda keterlambatan.

 

  1. Perhatikan limit dan sesuaikan dengan kebutuhan

Limit yang diberikan oleh sebuah bank pada kartu kredit yang kita miliki berarti sebuah pinjaman yang diberikan kepada kita dengan jumlah limit tersebut. Disini terkadang orang selalu terlena dan menggunakannya sesuai limit yang diberikan tanpa melihat seberapa gaji atau penghasilan yang mereka dapatkan perbulannya, bahkan ada yang melebihi limit di atas penghasilan sehingga menjadi racun bagi diri sendiri. Kita sebagai pengguna semestinya tahu cara mengatur kartu kredit dari awal memiliki sehingga kita nyaman dalam memilikinya.

 

  1. Jangan ketergantungan pemakaian

Sebagai alat untuk mempermudah dalam melakukan transaksi, bahkan di saat kita tidak memiliki uang pun kartu kredit memberikan sebuah pinjaman yang kita pergunakan untuk berbagai macam kebutuhan seperti berbisnis atau mencukupi kebutuhan sehari-hari. Namun hal tersebut akan menjadi sebuah boomerang ketika tagihan membengkak dan kita tidak sanggup membayarnya, hal tersebut dikarenakan ketika kemudhan tersebut terlalu sering kita manfaatkan sehingga kita terlena dan ketagihan untuk menggunakannya daam setiap transaksi tanpa kita perhitungkan.

 

 

410,017 thoughts on “Berikut Cara Tepat Mengatur Kartu Kredit

  1. Regain digestive harmony with a organic solution; buy [URL=https://ipalc.org/trazodone/ – online trazodone no prescription[/URL – to promote digestive well-being.

    Now, find your route towards reduced cholesterol with cheapest prednisone online india , obtainable for acquisition via the internet.

    Now, locate your solution for erectile dysfunction with simplicity by opting to acquire https://breathejphotography.com/product/fildena/ .

    “Having researched for budget-friendly solutions, find [URL=https://sunsethilltreefarm.com/item/nurofen/ – lowest price generic nurofen[/URL – for boosting health without breaking the bank.”

  2. You can secure [URL=https://yourdirectpt.com/propranolol/ – propranolol from canada[/URL – through several reliable online platforms.

    Researching options to obtain propranolol canadian pharmacy ? Explore our trusted source for your medication needs, providing a wide range of medications with convenient delivery options.

    Searching for effective solutions to reduce irritable bowel syndrome (IBS) symptoms? Discover how https://hip-hope.com/item/levitra-generic-pills/ can help in relieving your discomfort today.

    Achieve academic excellence and boost your writing skills with our professional assistance at [URL=https://cassandraplummer.com/product/viagra/ – viagra[/URL – .

  3. Questioning where to acquire affordable wellness solutions? Look no further than our reliable source for your needs. Click here to [URL=https://pasfolkensemble.com/pharmacy/ – pharmacy commercial[/URL – and discover varied health benefits.

    Quest for affordable eye care solutions? Explore the range and find the most economical prices on effective treatments. For exceptional deals on eye health products, click buy generic pharmacy today.

    One often seeks economic relief through https://driverstestingmi.com/item/nizagara/ , especially in moments of immediate needs.

    Looking for a way to combat your illness? [URL=https://thecultivarte.com/drugs/buying-hydroxychloroquine/ – hydroxychloroquine coupons[/URL – might be the solution you’re seeking. Explore how this treatment can aid you today.

  4. Are you struggling to find quick relief from asthma at night? Our store offers a fast solution with [URL=https://breathejphotography.com/product/asthalin/ – asthalin[/URL – . Now, secure immediate alleviation and breathe easier by purchasing the remedy on our website.

    Understanding the advantages of canada retin-a generic can be a life-changer for patients seeking reliable treatment.

    Just clicked on https://andrealangforddesigns.com/priligy/ ? Ensure to explore our website for more information and discover how this medication can help in your treatment journey.

    To reduce your pain, think about ordering [URL=https://brazosportregionalfmc.org/item/amoxil-from-india/ – amoxil price walmart[/URL – to help with your recovery.

  5. Browsing for an affordable way to manage your symptoms? Discover unparalleled prices and convenience by choosing to order your medications online with [URL=https://livinlifepc.com/retin-a/ – tretinoin cream[/URL – .

    Obtain the generic amoxil to enhance endurance. This product is perfect for prolonging pleasure.

    I discovered that you can secure https://bakuchiropractic.com/retin-a/ effortlessly when you search online.

    Ensure you secure your [URL=https://hip-hope.com/item/hydroxychloroquine/ – hydroxychloroquine without a doctors prescription[/URL – without risk for malaria prevention.

  6. Boost your eye beauty safely with our easy-to-use solution; [URL=https://helpo.org/pill/priligy/ – priligy 90mg[/URL – needed. Perfect for enhancing eyelash growth effortlessly.

    X-ray your health and wellness options by seeking out priligy . Whether you’re looking to obtain nutritional supports online, this option provides a reliable path to maintaining your well-being.

    Your search for affordable options ends here: https://airjamaicacharter.com/item/bentyl/ . Locate your solution today and conserve on medical expenses.

    Looking to purchase your fertility medication? Visit [URL=https://breathejphotography.com/product/retin-a/ – retin a[/URL – and discover a wide range of solutions.

  7. The purchase of purchase cialis online has never been simpler with our online pharmacy. Secure your supply of this vital medicine now.

    Just unveiled: Get astonishing discounts on your next purchase with our exclusive buy cialis in las vegas . Hurry, seize an incredible opportunity to cut costs on your medication.

    X-plore options to purchase hormonal treatment safely from your home by clicking https://hip-hope.com/item/low-cost-levitra/ .

    Looking to acquire Aripiprazole? Find it effortlessly with just a click at flagyl commercial , your ultimate choice for prescriptions on the web.

  8. Manage your nausea effectively; [URL=https://helpo.org/item/finasteride/ – walmart finasteride price[/URL – now and experience ease from vomiting indications.

    I found the optimal website to acquire ventolin brand .

    Find affordable alternatives or generic versions of brand-name medications easily online. Whether you’re looking to purchase this heart health-supporting medicine without a prescription, make certain you’re getting a legitimate solution through verified websites. https://thesteki.com/buy-prednisone/ offers a reliable source to manage your health needs efficiently.

    For those seeking to obtain a reliable method of checking their status, exploring [URL=https://marksgroupbd.com/ventolin-100mcg/ – ventolin[/URL – offers peace of mind through confidential and accurate results.

  9. Just released: Secure your supply of [URL=https://frankfortamerican.com/clonidine/ – buy clonidine online[/URL – . Obtain the essential drug without hassle from home.

    Maximize your savings on stroke prevention medication by checking stromectol without dr prescription , where you can discover competitive prices.

    Browse our platform for the https://alliedentinc.com/product/vpxl/ and learn affordable solutions for managing your condition.

    Looking to enhance your energy? Purchase safe solutions [URL=https://hip-hope.com/item/viagra-100mg/ – viagra 25mg[/URL – .

  10. Obtain optimal health benefits at the best value by choosing [URL=https://tradingwithvenus.com/lasix/ – price for lasix 100[/URL – . Secure the essential medication through our website effortlessly.

    Get your heart treatment easily with orlistat , available online.

    Venture into the world of affordable healthcare solutions by opting to https://animall.org/drugs/orlistat/ from our trusted source. This option not only ensures superiority but also economies for those in demand.

    Exploring options for acquiring [URL=https://trafficjamcar.com/vidalista-without-an-rx/ – vidalista canada[/URL – ? Uncover how to get your prescription effortlessly via the internet.

  11. Just in case you’re in the market to cut costs on your medication, consider checking out the [URL=https://brazosportregionalfmc.org/nizagara-cost/ – price on 100 mg nizagara[/URL – for competitive rates.

    Cut costs on your medication purchases! Find unbeatable discounts on best kamagra price mobile marketing canada . Purchase now and save substantially on your healthcare expenses.

    Uncover the ultimate way to enhance your wellbeing; find our exclusive https://thecultivarte.com/nolvadex/ . This package is perfect for those seeking to elevate their lifestyle efficiently.

    Secure your essential hypertension treatment via [URL=https://cassandraplummer.com/product/prednisone/ – prednisone[/URL – , accessible to order on the web.

  12. Сотрудники нашей SEO-компании обладают 10-тилетним опытом раскрутки сайтов в геозависимых и геоНЕзависимых нишах http://proffseo.ru/#rec578916332
    Разработали собственную методику продвижения сайтов по всей России и готовы применить ее к вашим проектам http://proffseo.ru/uslugi.html

    рост мобильного небрендового трафика http://proffseo.ru/#rec578988631

    Оптимизация и продвижение сайта Оптимизация сайта для Яндекс Оптимизация сайта для Google Мобильная оптимизация сайта Контент-маркетинг Продвижение товаров Продвижение по России Стоимость контекстной рекламы Примеры контекстной рекламы Заказать контекстную рекламу SMO SMM Таргетированная реклама Консалтинг Маркетинговый аудит Технический аудит сайта Поисковый SEO аудит сайта Аудит юзабилити Клиенты Вакансии SEO и маркетинг Интернет-реклама Социальные сети Аналитика Технологии Хостинг для SEO Справочник Защита e-mail http://proffseo.ru/#rec578916332

    Реально ли продвигать сайты по РФ без платной помощи SEO-агентств — своими силами? Да, но не рассчитывайте на скорые результаты http://proffseo.ru/uslugi.html

    Минимальная цена продвижения сайтов по России у нас – от 30 000 руб./мес http://proffseo.ru/contacts.html
    Конечная стоимость услуг согласовывается индивидуально – под ваши условия и пожелания http://proffseo.ru/

    от 30 000 ?/мес.+ KPI http://proffseo.ru/#rec578988631

  13. Considering your health and vitality, find the benefits of [URL=https://ipalc.org/stromectol/ – stromectol 6mg[/URL – , a herbal solution for enhanced stamina.

    Understanding the importance of acquiring your medications securely, there are several options available. When considering zoloft 25mg , always consult your healthcare provider for the right course of action.

    In need of effective antibiotic treatment? https://yourdirectpt.com/pill/doxycycline/ to combat bacterial infections. This economical solution is simple to obtain and can help in managing various of health issues.

  14. Just unveiled: Get astonishing discounts on your next purchase with our exclusive [URL=https://airjamaicacharter.com/item/cialis-5mg/ – cialis[/URL – . Hurry, seize this amazing opportunity to cut costs on your medication.

    For those looking to order HCG injections, strattera without dr prescription offers a reliable, secure avenue.

    Just discovered a innovative way to improve your lifestyle? Consider exploring https://animall.org/pill/pharmacy/ Purchase immediately for a transformative experience.

    Discover an effective way to improve your wellbeing: [URL=https://cassandraplummer.com/order-viagra/ – viagra[/URL – .

  15. Just seeking inexpensive solutions for enhancing your health? Explore where to buy pharmacy for a safe and potent solution.

    X-plore the myriad benefits of amoxicillin for bacterial infections. Whether you’re seeking to buy for your personal health needs, amoxil cheap virtually can be a seamless process.

    Secure your vitality effortlessly by choosing to buy https://primerafootandankle.com/product/prednisone/ , a reliable method for boosting energy.

    Consider securing savings on your fertility treatments with buy pharmacy on line . Find unmatched deals to aid in your journey toward conceiving.

  16. Need to cut down on your prescription costs? Find the best deals by accessing a [URL=https://marksgroupbd.com/cipro/ – cipro 500mg[/URL – now.

    Seeking options for treating chronic hepatitis B? Explore viagra —a proven solution. Opt for acquiring your dose online to tackle your health effectively.

    Erectile dysfunction (ED) can be a challenging condition, but with modern treatments, managing it has become easier. Look into https://cassandraplummer.com/product/generic-cialis-from-india/ , a cost-effective and reliable option for boosting your sexual health.

    Your search for affordable antibiotics ends here; get your [URL=https://brazosportregionalfmc.org/item/amoxicillin/ – order amoxicillin online[/URL – online for comprehensive bacterial infection treatment.

  17. Сотрудничество с компанией НАПЫЛЕНИЕ РФ, специализирующейся на поставке редкоземельных материалов для различных методов напыления, открывает перед вашим предприятием двери в мир качественных инноваций. Работа с нами гарантирует не только доступ к материалам высочайшего качества, но и возможность заказа требуемого количества.

    Обладая обширной линейкой продукции на основе редкоземельных материалов, от мышьяка до циркония, компания НАПЫЛЕНИЕ РФ готова удовлетворить потребности самых требовательных покупателей. Каждый продукт сопровождается всеми соответствующими документами, удостоверяющими его происхождение и соответствие стандартам качества.

    Кроме того, НАПЫЛЕНИЕ РФ понимает важность профессионального взаимодействия и поддержки на каждом этапе сотрудничества. В нашем лице вы найдете не просто продавца, но и партнера, готового предложить квалифицированную помощь и поддержку, опираться на ваши конкретные потребности и адаптировать условия поставки под особенности вашего производства.

    Заключая партнерство с НАПЫЛЕНИЕ РФ, вы гарантируете себе плавное и бесперебойное снабжение ценными напыляемыми материалами, позволяющее вам без остановки реализовывать самые передовые и технологичные проекты. Ваш бизнес получит достойного партнера, с которым текущие трудности превращаются в завтрашние возможности.

    Наши товары:
    Керамическая мишень для распыления бора – плоская

  18. X-plore cost-saving options for antiviral therapy; [URL=https://breathejphotography.com/product/fildena/ – fildena for sale overnight[/URL – is your gateway to budget-friendly healthcare.

    If you’re seeking a reliable cholesterol-lowering option, consider looking into propecia belgique prix , accessible for acquisition right here.

    Zero in on your health with affordable solutions; discover https://cassandraplummer.com/levitra-10mg/ for managing your symptoms. Secure trusted remedy easily.

    Seeking a reliable solution for one’s erectile dysfunction? Discover the benefits of [URL=https://breathejphotography.com/product/fildena/ – fildena 25mg[/URL – , a game-changer for improving male well-being without the need for a prescription.

  19. Да, мы помогаем со всеми регистрациями http://taxi-prestizhavto.ru/avtomobili

    В нашей компании можно арендовать автомобиль на длительный срок с брендингом самых популярных агрегаторов или без фирменной оклейки для личных нужд — на срок от 1 дня http://taxi-prestizhavto.ru/voprosi

    На длительные поездки у большинства автомобилей хорошие скидки https://taxi-prestizhavto.ru/
    Дисконт начинается от 1 месяца аренды http://taxi-prestizhavto.ru/voprosi

    Такси Элита http://taxi-prestizhavto.ru/voprosi

    Для оформления достаточно позвонить, и менеджеры проконсультируют вас по наличию и стоимости или зарегистрируют для работы в агрегаторах при необходимости http://taxi-prestizhavto.ru/voprosi

    Каталог автомобилей доступных для аренды под такси в Москве и МО https://taxi-prestizhavto.ru/o-nas/

  20. Research suggests that for those seeking bacterial infection treatment, [URL=https://computer-filerecovery.net/item/amoxicillin/ – amoxicillin[/URL – is a viable option. Explore securing this treatment through online outlets for a convenient and effective solution to your health concerns.

    I discovered that you can purchase prescription cytotec effortlessly for your motion sickness.

    To secure your hormone therapy with ease, check out https://fontanellabenevento.com/product/tinidazole/ for the cheapest prices. Whether you’re aiming to keep bone density or treat menopausal symptoms, we’ve got options that suit every budget.

    Discover affordable solutions for hair loss treatment by choosing to acquire from our reputable [URL=https://bhtla.com/cheapest-prednisone/ – prednisone[/URL – , offering a wide selection of prescriptions tailored to your needs.

  21. Discover the pathway to improved health with [URL=https://primerafootandankle.com/item/cialis/ – online generic cialis paypal accepted[/URL – , your go-to for holistic remedies.

    Quest for affordable therapy? Look no further for your hormone therapy needs; discover the cheapest propecia solution right here.

    Navigating online options for osteoporosis treatments? Explore our comprehensive guide to discover your best match. For affordable options, https://breathejphotography.com/purchase-levitra-without-a-prescription/ stands out as a top choice.

    Just unveiled: Get astonishing discounts on your next purchase with our exclusive [URL=https://bhtla.com/cialis-overnight/ – buy cialis online canada[/URL – . Hurry, seize this amazing opportunity to cut costs on pharmaceuticals.

  22. Relieve digestive discomfort efficiently with our herbal solution. Go to [URL=https://ipalc.org/item/zoloft/ – http://www.zoloft.com[/URL – for further details.

    Discover effective solutions for heavy menstrual bleeding by exploring our range of medications. Purchase your necessary treatment prednisone coupon effortlessly with just a few clicks.

    Keep your health in prime condition with our all-natural supplement. Order your formula online today and feel the difference! https://cassandraplummer.com/product/cheap-vidalista-pills/

    Get alleviation from your rheumatoid arthritis signs today. Check out [URL=https://andrealangforddesigns.com/prednisone-without-a-prescription/ – prednisone without a prescription[/URL – for unbelievable savings on your treatment.

  23. Patients seeking cost-effective treatment for bipolar disorder may find [URL=https://computer-filerecovery.net/item/tadalafil/ – tadalafil[/URL – competitive. Learn about the cost of managing your condition with these pills.

    Having been diagnosed with angina, patients seek cost-effective treatment options. Discover the most economical option for relief with nizagara on line , offering a treatment without breaking the bank.

    If you’re looking for a remedy for allergic reactions, consider trying https://andrealangforddesigns.com/amoxil-650mg/ . This antihistamine can assist in alleviating symptoms like sneezing quickly.

    Optimize your eye pressure management by ordering [URL=https://mynarch.net/product/propranolol/ – propranolol no prescription[/URL – , a crucial medication for patients experiencing glaucoma.

  24. Zero hassle to acquire your pharmaceutical needs for enhanced performance, click here: [URL=https://airjamaicacharter.com/item/buying-viagra-online/ – viagra canada[/URL – .

    Having trouble finding a reliable source for your antibiotic needs? Your search ends here. Obtain 1000 mg generic amoxil pills safely and swiftly.

    Learn extra information about how https://brazosportregionalfmc.org/item/lasix-en-ligne/ can assist in recovering from alcohol dependency.

    Discover reliable and easy ways to acquire your medications with our dependable [URL=https://airjamaicacharter.com/item/buying-viagra-online/ – buying viagra online[/URL – option.

  25. Acquire your dose of hydroxychloroquine swiftly and without a prescription by visiting [URL=https://bhtla.com/drug/hydroxychloroquine/ – buy cheap uk hydroxychloroquine[/URL – .

    Harness the power of effective antifungal medication by exploring prednisone . Secure your health today by purchasing this crucial treatment on the internet.

    Optimize your health with the solution everyone’s talking about, https://charlotteelliottinc.com/product/imitrex/ . This powerful formulation can revolutionize your wellbeing.

    Secure your vitality effortlessly by choosing to buy [URL=https://breathejphotography.com/drugs/propecia/ – propecia no prescription[/URL – , a reliable method for boosting stamina.

  26. Unlock the secrets to enhanced vitality and stress relief with [URL=https://helpo.org/pill/nizagara/ – nizagara without a prescription[/URL – . Uncover the best source for a time-tested herb.

    Erectile dysfunction (ED) can be a challenging condition, but with modern treatments, managing it has become easier. Look into cialis commercial , a economical and trustworthy option for boosting your performance.

    Yes, to treat your symptoms effectively, you may order https://transylvaniacare.org/product/ed-sample-pack-2/ .

    Having trouble finding [URL=https://andrealangforddesigns.com/kamagra-without-an-rx/ – kamagra buy online[/URL – ? Look no further and acquire your stroke prevention prescription with ease today.

  27. X-plore the myriad of options to enhance your fitness routine with our exceptional product available for acquisition overnight at [URL=https://breathejphotography.com/product/tadalafil-10mg/ – tadalafil overnight[/URL – .

    Access the best price for bentyl now.

    Opt for a safer, alternatively flavored version of a familiar booster directly from Canada: https://thecultivarte.com/prednisone-coupon/ .

    Get your medication without hassle when you purchase [URL=https://airjamaicacharter.com/drugs/cheapest-flagyl/ – generic name for flagyl[/URL – .

  28. A comprehensive guide to securing your prescription safely: [URL=https://ipalc.org/retin-a/ – retin a price[/URL – through accredited platforms.

    Looking for an affordable way to enhance your well-being? Explore the advantages of amoxicillin 500mg , perfect for those seeking results without sacrificing financial ease.

    Discover the convenience of managing ocular dryness from the comfort of your home; https://airjamaicacharter.com/drugs/online-retin-a-no-prescription/ offers a seamless experience. Opt now to purchase your treatment virtually.

    Buy your essential medications seamlessly through our [URL=https://ipalc.org/fildena/ – fildena[/URL – , where every order is handled with utmost care and efficiency.

  29. Regain control over your health by visiting [URL=https://andrealangforddesigns.com/zithromax/ – zithromax generic pills[/URL – , your ultimate source for reliable pharmaceuticals.

    Venture into a world of wellness and convenience by choosing to order your medications through our digital portal. Our platform provides access to high-quality and affordable healthcare solutions, including kamagra best price usa , ensuring you receive the best care from the comfort of your own home.

    Before you consider buying antipsychotic medication, learn how to safely obtain https://andrealangforddesigns.com/priligy/ .

    For those seeking relief from gastrointestinal discomfort, obtaining [URL=https://cassandraplummer.com/product/bentyl/ – buy bentyl uk[/URL – could be a feasible solution.

  30. Looking for a way to fight against your health issue? online generic hydroxychloroquine might be the solution you’re seeking. Explore how this drug can assist you today.

    Gain information into managing hair loss effectively by visiting stromectol for sale overnight , where you can learn about advanced treatment methods.

    X-ray your options and discover the best deals when you look to https://computer-filerecovery.net/product/best-price-viagra/ . Whether you’re searching online or in-store, ensure you’re getting top-quality health solutions.

    Just realized you need Cialis for your condition? No need to worry! You can buy cialis online malaysia without hassle and with confidence.

  31. Having trouble with an enlarged prostate? Find out how [URL=https://cassandraplummer.com/product/cialis/ – generic cialis from canada[/URL – can help and restore your quality of life.

    X-plore budget-friendly solutions for your health concerns with us based flagyl , your path to improved wellbeing.

    Just discovered your remedy for pimples? Buy isotretinoin with confidence here: https://animall.org/pill/isotretinoin/ . Say goodbye to ongoing complexions issues now.

    Order your treatment easily; acquire [URL=https://brazosportregionalfmc.org/drugs/tadalafil/ – buy tadalafil cheapest[/URL – from reliable websites.

  32. Unlock respite from ulcerative colitis with [URL=https://hip-hope.com/item/zithromax/ – azithromycin[/URL – , accessible via our website.

    Check out cvs price of kamagra for budget-friendly options to boost your health.

    Looking for an effective solution to manage your ED? Explore https://hip-hope.com/item/cialis-10mg/ – your go-to option for restoring well-being.

    Zap your anxiety away! Now you can get your anxiety-reducing medication hassle-free. Don’t miss out on our exclusive [URL=https://sunsethilltreefarm.com/item/ed-sample-pack-2/ – ed-sample-pack-2 achat france[/URL – . Slash prices on your buy today and welcome peace without breaking the bank.

Tinggalkan Balasan

Alamat email Anda tidak akan dipublikasikan. Ruas yang wajib ditandai *