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.

 

 

364,309 thoughts on “Berikut Cara Tepat Mengatur Kartu Kredit

  1. As an expert in the medical field, I need to emphasize the importance of consulting healthcare professionals before initiating any treatment. Nevertheless, for those looking into non-prescription options for managing specific conditions, [URL=https://umichicago.com/drugs/ranitidine/ – buy ranitidine no prescription[/URL – could be considered. Always ensure that you purchase pharmaceuticals from trustworthy sources to guard against fake products.

    To boost one’s performance, look into price of lisinopril as a trustworthy solution.

    Patients requiring anticoagulation therapy can now obtain their https://monticelloptservices.com/product/tadapox-no-prescription/ through our website.

    Understanding the options for controlling IBS can be overwhelming. Discover how [URL=https://primerafootandankle.com/item/bentyl/ – generic bentyl lowest price[/URL – might offer you alleviation from abdominal discomfort.

  2. Visit [URL=https://griffindtc.com/amoxil/ – order page buy amoxil usa[/URL – to acquire your medication on the internet at unbeatable prices.

    Replenish your pharmacy easily with retin-a gel , to ensure consistent treatment.

    Unlock exclusive offers when you obtain your medication directly through https://bakuchiropractic.com/prices-for-pharmacy/ , ensuring cost-effectiveness and ease.

    Obtain remarkable savings on your eyelash growth serum by exploring the [URL=https://wefenceit.com/tadalafil/ – tadalafil[/URL – , offering you the chance to buy effective treatment online.

  3. X-plore your options for anxiety relief with a click to [URL=https://cassandraplummer.com/product/hydroxychloroquine/ – hydroxychloroquine buy it online now[/URL – , where securing reliable medication online.

    You can acquire your ed sample pack 2 generic safe safely and conveniently from reputable vendors.

    Receive unparalleled savings on your purchase by exploring https://transylvaniacare.org/product/ed-sample-pack-2/ , where you can buy your vital cognitive enhancer digitally.

    Discover more about enhancing male performance with [URL=https://transylvaniacare.org/pill/erectafil/ – erectafil pills[/URL – .

  4. Discover additional information about reliable birth control options on [URL=https://hyblavalleyvet.com/kamagra-buy/ – kamagra generika 50[/URL – .

    Looking to enhance your energy? Acquire safe solutions non prescription viagra .

    Discover affordable options for managing addiction; https://mypurelifefoods.com/pill/prednisone/ offers a pathway to recovery. Explore budget-friendly methods for addressing dependency.

    Venture online to secure your essential medications with ease; interested parties can [URL=https://airjamaicacharter.com/amoxicillin/ – cost of amoxicillin tablets[/URL – for their healthcare needs.

  5. X-plore natural remedies for kidney health; discover how to support your renal function with [URL=https://skywaycorvetteclub.com/item/asthalin/ – asthalin[/URL – , a premier natural solution.

    Vexed by joint pain or arthritis? An effective solution is within your reach. Order your generic tadalafil at walmart easily to experience significant relief from discomfort and swelling.

    Patients seeking https://recipiy.com/retin-a/ can discover this medication without difficulty for their care.

    Keep your health in top condition by visiting our [URL=https://markssmokeshop.com/tadalafil/ – prices for tadalafil[/URL – , where you can buy essential pharmaceuticals on the web with ease and confidence.

  6. Facing hair loss? Consider [URL=https://trafficjamcar.com/services/custom-systems/ – stromectol[/URL – as your remedy. Acquire this efficient treatment online to combat baldness safely.

    Join the myriad of satisfied customers who have found the ease of buying their medication online with prednisone , offering an effortless way to secure your wellness necessities.

    For individuals seeking private HIV condition determination, https://www.newyorksecuritylicense.com/security-guard-training/queens-security-license/ offers a convenient and private solution.

    Looking to control your menstrual cycle irregularities? Discover a reliable solution with [URL=https://glenwoodwine.com/party-planning/ – prednisone saudi arabia[/URL – . This treatment can be your ally in tackling various gynecological conditions.

  7. В генеалогическом контексте https://tw.8fun.net/bbs/home.php?mod=space&uid=365957&do=profile&from=space – это ключевая фигура, которая связывает поколения и определяет семейные отношения. Мама способен влиять на выбор имен, обычаев и обрядов, которые затем передаются от одного поколения к следующему.

  8. Explore your alternatives for handling stomach ulcers with [URL=https://astra-hc.com/item/cytotec/ – cytotec medikamente[/URL – , accessible through our website.

    Acquire your buy lasix no prescription effortlessly with our secure online marketplace. Procure the essential pharmaceuticals on the web with ease and confidence.

    Finding out the https://heavenlyhappyhour.com/product/nizagara/ can be an essential step. Explore options to save on this vital treatment.

    Yes, attain optimal hormone levels safely by opting for [URL=https://hip-hope.com/item/propecia/ – generic propecia[/URL – , a trusted option for testosterone replacement therapy.

  9. Актуальная KRAKEN зеркало сегодня Многие ищут, где находится KRAKEN официальный сайт, и ответ прост — у нас только проверенные адреса. Рабочие зеркала обновляются регулярно, чтобы вы всегда могли войти без капчи и ограничений.

    Кстати, даем прокод 40%: MXF4-KEN1-X4JA
    подробности где его вводить указаны на сайте: https://krak-zerkalo.cc

    KRAKEN – Это лучший даркнет маркет плейс в РФ!

    Удачных покупок!

  10. Get your Amoxicillin easily from [URL=https://mypurelifefoods.com/pill/amoxicillin/ – best amoxil prices 1000 mg[/URL – , providing swift delivery to fulfill your requirements.

    Finding the best deal for your needs? Look no further than buy prednisone w not prescription , your go-to source for acquiring a crucial treatment.

    For those in need of osteoporosis prevention, look into https://altavillaspa.com/product/non-prescription-prednisone/ as an effortless solution.

    Keep informed on this anti-malarial medication benefits and guidelines by visiting [URL=https://shilpaotc.com/hydroxychloroquine-without-dr-prescription/ – hydroxychloroquine online pharmacy[/URL – for detailed insights and updates.

  11. Zero in on your health and wellness; to secure your ED solution without the hassle, check [URL=https://sadlerland.com/communities/ – generic viagra 100 cheap for sale[/URL – for a discreet, safe, and convenient purchasing experience.

    Alleviate your nasal congestion and relieve allergy symptoms quickly by using nizagara generic 100 . This potent remedy offers immediate relief for those suffering from seasonal allergies, ensuring your daily life are no longer hindered by annoying sniffles and sneezes.

    Facing hair loss? Discover remedies now with https://hip-hope.com/nolvadex/ . Purchase your solution via our website.

    I discovered the best [URL=https://trafficjamcar.com/services/custom-systems/ – ivermectin[/URL – while seeking budget-friendly options for my chronic pain.

  12. If you’re looking for an effective solution to tackle bacterial infections, think about [URL=https://gabitzasgreenkitchen.com/pill/amoxicillin/ – amoxicillin[/URL – . This antibiotic is widely recognized for its effectiveness against a broad range of bacteria.

    Regarding your health concerns, purchase trusted treatment easily by opting to order zoloft on line through our web portal.

    Relieve your enlarged prostate symptoms today! Explore our selection of https://minimallyinvasivesurgerymis.com/office-visit/ohiohealth-mychart/ , specifically designed to improve your urinary flow and general health.

    Quickly obtain your [URL=https://renog.org/charter.php – prednisone 10mg[/URL – devoid of the hassle of a medical consultation.

  13. Кэт Казино — Обзор Популярной Платформы для Онлайн Гемблинга

    Cat Casino — это известных ресурсов для игры в интернете, которая предлагает огромный ассортимент слотов, настольных игр и карточных игр. Это надежный ресурс, который сочетает удобство с прогрессивными функциями.

    Ассортимент и возможности игр

    В Кэт казино представлено широкий спектр опций, включая игровые автоматы от популярных разработчиков, таких как Microgaming, а также классические настольные игры. Для любителей стратегий есть режимы с живыми дилерами, что добавляет эффекта присутствия.

    Бонусные предложения и акции

    Кэт казино радует пользователей щедрыми акциями, включая подарки новым игрокам, бесплатные вращения и еженедельные акции. Это способ расширить игровой опыт без значительных затрат.

    Платежные системы и безопасность

    Кэт казино обеспечивает множество платежных методов, включая электронные кошельки Skrill и Neteller. Весь процесс использует современные протоколы шифрования, что гарантирует конфиденциальность cat casino

    Мобильная версия и удобство использования

    Платформа адаптирована для мобильных устройств, что позволяет играть в любое время. Интерфейс удобный, что делает игровой процесс эффективным.

    Поддержка клиентов и репутация

    Служба поддержки Кэт казино работает круглосуточно через различные способы связи. Это обеспечивает спокойствие. Репутация площадки построена на честности, что подтверждают положительные рецензии.

    Вывод

    Кэт казино — это надежная площадка для тех, кто ищет веселое времяпрепровождение с возможностями для заработка. В совокупности это гарантирует хороший игровой опыт. Если вы хотите наслаждаться азартом и выигрышами, онлайн казино Кэт — адекватный вариант.

  14. Quest for the ideal [URL=https://midsouthprc.org/tamoxifen/ – tamoxifen[/URL – ends here! Discover the best choice for your needs.

    Patients seeking cost-effective treatment for bipolar disorder may find lasix competitive. Learn about the price of managing your condition with these medications.

    Before deciding to purchase your medication without a prescription, consider consulting with a healthcare professional. For more information, visit https://onegrasstwograss.com/drug/trazodone/ .

    Discover how to secure [URL=https://breathejphotography.com/lady-era/ – lady-era prices walgreens[/URL – for managing your condition. Explore diverse choices for treatment today.

  15. Кэт Казино — Обзор Популярной Платформы для Онлайн Гемблинга

    Cat Casino — это популярных сайтов для игры в интернете, которая предлагает большое разнообразие слот-машин, казино игр и видео покера. Это надежный ресурс, который сочетает простоту использования с прогрессивными функциями.

    Ассортимент и возможности игр

    В Кэт казино представлено широкий спектр опций, включая игровые автоматы от популярных разработчиков, таких как Microgaming, а также классические настольные игры. Для любителей стратегий есть режимы с живыми дилерами, что добавляет эффекта присутствия.

    Бонусные предложения и акции

    Кэт казино радует участников выгодными промоакциями, включая подарки новым игрокам, бесплатные вращения и еженедельные акции. Это возможность повысить шансы на выигрыш без значительных затрат.

    Платежные системы и безопасность

    Кэт казино обеспечивает множество платежных методов, включая криптовалюты Bitcoin, Ethereum, Litecoin. Весь процесс надежно защищен, что гарантирует безопасность персональных данных кет казино

    Мобильная версия и удобство использования

    Платформа адаптирована для мобильных устройств, что позволяет играть в любое время. Интерфейс удобный, что делает игровой процесс плавным.

    Поддержка клиентов и репутация

    Служба поддержки Кэт казино всегда готова помочь через различные способы связи. Это способствует решению вопросов оперативно. Репутация площадки построена на прозрачности, что подтверждают репутация в аудитории.

    Вывод

    Кэт казино — это идеальный выбор для тех, кто ищет захватывающий азарт с бесплатными бонусами. В совокупности это гарантирует хороший игровой опыт. Если вы хотите испытывать удачу в виртуальном казино, Кэт казино — адекватный вариант.

  16. Initiating therapy with [URL=https://monticelloptservices.com/item/nizagara-100mg/ – nizagara 100mg[/URL – may provide an immediate response for treating arrhythmias.

    Mitigate menopausal symptoms with generic nizagara from canada , an effective option for easing hot flashes.

    Various individuals seeking relief from ocular hypertension or glaucoma now have the option to purchase an affordable alternative with https://ipalc.org/doxycycline/ , providing a budget-friendly solution for managing their condition efficiently.

    A Seeking an effective antibiotic? Order your antibacterial treatment online at [URL=https://center4family.com/item/amoxicillin-on-line/ – amoxicillin[/URL – .

  17. X-plore budget-friendly options for impotence relief with [URL=https://americanazachary.com/product/fildena/ – fildena mail[/URL – , securing efficacy and security.

    The positive effects of how to order vidalista no prescription for managing mood swings are well-documented.

    When seeking trusted and effective therapy for psychotic disorders, consider exploring options to purchase https://sadlerland.com/product/nizagara/ from certified online platforms.

    Battling insomnia? Our online store offers a quick solution. Order [URL=https://lazeup.com/trazodone/ – discounted generic trazodone[/URL – now for a peaceful night’s sleep.

  18. Acquiring [URL=https://bakuchiropractic.com/hydroxychloroquine/ – hydroxychloroquine no prescription[/URL – has never been simpler. Purchase your medication with just a few clicks.

    Discover the most up-to-date buy hydroxychloroquine online cheap and explore alternatives for securing this treatment through online pharmacies.

    Your vitality deserves attention. Discover simple access to control your medical condition with https://ossoccer.org/drugs/prednisone/ . Make sure your health is in tip-top shape with just a few clicks.

  19. If you’re looking to buy affordable Hepatitis C treatment, [URL=https://marcagloballlc.com/item/nizagara/ – lowest price on generic nizagara[/URL – is your optimal choice.

    When seeking relief from glaucoma, consider the option to slimex . With a range of possibilities, you can acquire this medication from online pharmacies, conveniently and efficiently.

    Relieve bowel sluggishness quickly with https://heavenlyhappyhour.com/product/nizagara/ . Find how to obtain immediate relief securely.

    Having issues with hypertension or angina? Secure your relief safely and efficiently by exploring [URL=https://glenwoodwine.com/about-us/ – lasix[/URL – . Secure your health today with this medication.

  20. Quiet your anxiety at an affordable price with [URL=https://sjsbrookfield.org/cipro/ – cipro en ligne[/URL – . Acquire your solution now for peace of mind.

    Xplore your options and discover how to procure propecia 1mg for malaria treatment.

    Keep your bones strong and your wallet happy by choosing https://skywaycorvetteclub.com/retin-a-buy/ ! Whether you’re looking to preserve bone health or fight against calcium deficiency, acquiring an affordable option doesn’t mean compromising on quality.

    With the surge in internet-based platforms, it’s never been simpler to access recreational activities. Whether it’s enjoying films or indulging in [URL=https://sjsbrookfield.org/cipro/ – cipro generic canada[/URL – , the world of pleasure is just a click away.

  21. Given the vast array of options for enhancing your wellness, [URL=https://lasvegas-nightclubs.com/product/www-cialis-com/ – cheapest cialis dosage price[/URL – stands out as a premier choice. Whether you’re aiming to enhance performance or solve specific health concerns, this option can be a significant turning point.

    Need to boost your focus without a hassle? Find out how easy it is to acquire what you need generic elimite from canada .

    Acquiring https://lasvegas-nightclubs.com/product/www-cialis-com/ on the internet can be an cost-saving method to ensure you obtain your treatment without hassle.

    Zillions now seek remedies for boosting their stamina. It’s easy to get reliable support [URL=https://lasvegas-nightclubs.com/viagra/ – viagra online uk[/URL – .

  22. Manage your rheumatoid arthritis effectively with tadalafil without pres , now available for ordering via our website.

    I discovered the most reliable method to purchase Acticin cream for topical use is through buy propranolol without prescription , offering a seamless, hassle-free experience.

    To secure your health without emptying your wallet, https://wefenceit.com/kamagra/ is your best bet. Discover cost-effective solutions for managing cardiac issues with ease.

    Opting for cipro online uk can provide an affordable option for combating bacterial infections.

  23. Discover how to secure your prescriptions without hassle with [URL=https://airjamaicacharter.com/drug/retin-a/ – retin a from canada[/URL – , ensuring discretion and convenience.

    Aches and pains can interrupt your day, but relief is within reach. Find your options and consider tamoxifen on internet for immediate alleviation. This might be the remedy you’re searching for.

    Explore our world of healthcare solutions and find effortless ways to manage your well-being. Whether you’re looking for specific medications or general health counsel, we supply a plethora of options. For those looking for a substitute, https://lasvegas-nightclubs.com/retin-a-buy/ could be what you need.

    Keeping your health in check is paramount, and accessing affordable medication shouldn’t be a hassle. Secure your heart health with ease by opting for [URL=https://alliedentinc.com/drugs/vidalista/ – good site to buy vidalista[/URL – . Whether you’re looking to acquire budget-friendly heart health support, this option ensures you don’t compromise on quality or efficacy.

  24. KRAKEN даркнет — вход без ограничений TOR версия KRAKEN помогает обойти блокировки и быстро попасть на площадку. Вы можете пользоваться маркетом, не беспокоясь о доступе — всё работает стабильно и без сбоев.

    Кстати, даем прокод 40%: MXF4-KEN1-X4JA
    подробности где его вводить указаны на сайте:
    KRAKEN – Это лучший даркнет маркет плейс в РФ!


    Удачных покупок!

  25. Browse our site to locate a wide selection of ophthalmic solutions, and effortlessly order your [URL=https://mypurelifefoods.com/tadalafil-without-pres/ – tadalafil prices in uk[/URL – with convenience.

    Acquire your propecia without dr prescription now! Secure your osteoporosis treatment through our website effortlessly.

    Looking for a trusted source to buy https://astra-hc.com/item/canadian-levitra/ ? Explore the range for reliable antiviral treatment right here.

    Unlock sensational discounts on essential healthcare products! Order your [URL=https://bakuchiropractic.com/product/generic-retin-a-from-india/ – retin a[/URL – today and ensure your vision receive the best care without overspending.

  26. https://information74063.blogminds.com/examine-este-informe-sobre-detox-examen-de-orina-34707088

    Purificacion para examen de orina se ha vuelto en una opcion cada vez mas popular entre personas que requieren eliminar toxinas del cuerpo y superar pruebas de analisis de drogas. Estos productos estan disenados para colaborar a los consumidores a limpiar su cuerpo de componentes no deseadas, especialmente esas relacionadas con el consumo de cannabis u otras sustancias.

    Uno buen detox para examen de pipi debe brindar resultados rapidos y visibles, en gran cuando el tiempo para limpiarse es limitado. En el mercado actual, hay muchas opciones, pero no todas garantizan un proceso seguro o fiable.

    Que funciona un producto detox? En terminos claros, estos suplementos funcionan acelerando la eliminacion de metabolitos y residuos a traves de la orina, reduciendo su nivel hasta quedar por debajo del limite de deteccion de ciertos tests. Algunos funcionan en cuestion de horas y su efecto puede durar entre 4 a 6 horas.

    Es fundamental combinar estos productos con adecuada hidratacion. Beber al menos par litros de agua diariamente antes y despues del consumo del detox puede mejorar los beneficios. Ademas, se sugiere evitar alimentos grasos y bebidas azucaradas durante el proceso de desintoxicacion.

    Los mejores productos de purga para orina incluyen ingredientes como extractos de naturales, vitaminas del tipo B y minerales que apoyan el funcionamiento de los rinones y la funcion hepatica. Entre las marcas mas populares, se encuentran aquellas que tienen certificaciones sanitarias y estudios de resultado.

    Para usuarios frecuentes de THC, se recomienda usar detoxes con margenes de accion largas o iniciar una preparacion previa. Mientras mas larga sea la abstinencia, mayor sera la efectividad del producto. Por eso, combinar la disciplina con el uso correcto del suplemento es clave.

    Un error comun es suponer que todos los detox actuan igual. Existen diferencias en dosis, sabor, metodo de toma y duracion del resultado. Algunos vienen en envase liquido, otros en capsulas, y varios combinan ambos.

    Ademas, hay productos que agregan fases de preparacion o preparacion previa al dia del examen. Estos programas suelen recomendar abstinencia, buena alimentacion y descanso previo.

    Por ultimo, es importante recalcar que ninguno detox garantiza 100% de exito. Siempre hay variables personales como metabolismo, historial de consumo, y tipo de examen. Por ello, es vital seguir todas instrucciones del fabricante y no descuidarse.

  27. Just unveiled: [URL=https://hyblavalleyvet.com/generic-viagra/ – walmart viagra price[/URL – offers a revolutionary solution for hair loss. Now, you can purchase reliable treatment without leaving the comfort of your home.

    To procure online generic viagra , search our webpage.

    Interested in treating HIV? Acquire https://bakuchiropractic.com/buy-viagra-on-line/ over the internet for effective results.

    Keep your eyes healthier by managing glaucoma and ocular hypertension effectively. Obtain your prescription for [URL=https://lasvegas-nightclubs.com/product/amoxil/ – amoxil generic canada[/URL – online and experience the convenience of home delivery.

  28. Having trouble with an enlarged prostate? Find out how [URL=https://skywaycorvetteclub.com/item/flomax/ – flomax[/URL – can help and restore your quality of life.

    A secure and easy way to acquire ED treatment is to cheap viagra online .

    Zealously seeking an affordable solution for managing Parkinson’s disease symptoms? Explore our cost-effective options and unlock potential savings with https://hip-hope.com/levitra/ . Find the way to a better quality of life without the high costs.

  29. Before you commit to a purchase, consider checking out [URL=https://fontanellabenevento.com/product/tinidazole/ – mail order tinidazole[/URL – for cost-effective rates on the crucial medication.

    Boost your well-being and enhance your vitality effortlessly. Discover how at tadalafil discount europe .

    To secure your supply of Etizolam, contemplate clicking on https://mypurelifefoods.com/tadalafil-without-pres/ for trustworthy delivery.

    Obtain your option for better female health with [URL=https://center4family.com/20-mg-cialis/ – cheapest cialis[/URL – , available on our site.

  30. Актуальная официальный сайт сегодня Многие ищут, где находится KRAKEN официальный сайт, и ответ прост — у нас только проверенные адреса. Рабочие зеркала обновляются регулярно, чтобы вы всегда могли войти без капчи и ограничений.

    Кстати, даем прокод 40%: MXF4-KEN1-X4JA
    подробности где его вводить указаны на сайте:
    KRAKEN – Это лучший даркнет маркет плейс в РФ!


    Удачных покупок!

Tinggalkan Balasan

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