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Take Me Back to London 「เนื้อเพลง」 – แปลภาษาไทย – Ed Sheeran |
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Fashion Influencer Sanjuna Madonakendi Reveals How She Fulfilled Her London Dream |
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Fox to Develop Country Music Drama With Melissa London Hilfers Jason Owen |
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Har du også set dem Derfor kører London-taxaer rundt i København |
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HAREM LONDON SS20 SHOW- LONDON FASHION WEEK |
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Arriva Rail launches deaf awareness training programme for London Overground staff |
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London Security Company |
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Pregnant Rebekah Vardy arrives in London with husband Jamie |
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Harry Kane And Eden Hazard Feature In A Star-Studded New Nike Advert Set In London |
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Porsche of London |
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Connected Aircraft amp Digital Cabin Conference amp Expo London |
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Fox Nabs Country Music Family Drama From Melissa London Hilfers Jason Owen amp SideCar With Penalty |
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London Fashion Week |
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A Week in My Life: Katherine Sale London Director of Operations at Croud |
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London cloud video editing tool Blackbird wins industry nod |
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CNN International Introduces New Shows from London and Abu Dhabi |
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OBA LAMIDI ALAFIN OYO WELCOME IN LONDON |
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McCann London appoints Jessica Tamsedge as new MD |
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Melanie Jones PR wins Best Hospitality PR Agency at the 2019 Greater London Enterprise Awards By SME News |
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London Rickshaws |
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London Tourism Video // Visit Britain amp Matador Network |
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Why American werewolves wouldn’t go to London anymore |
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Home Cleaning In London By REAL Professionals |
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Donnie McClurkin Announces Live In London and More 20th Anniversary Concerts in the UK ! |
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London Coffee Festival 2019 |
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South London band Honkies tune their ramshackle sound into a new EP |
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The Worry Monster at Evelina London |
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Atlanta Austin Boston Chicago Dallas Denver Hong Kong London Los Angeles Melbourne NYC Online Providence San Diego San Francisco Santa Monica Seattle Singapore Sydney Toronto Washington DC |
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« Facebook Accelerator London » s’intéresse aux start-ups africaines |
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London Retail Leaders Series |
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UK’s New Manufacturing Hub: London and The South East |
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Man faces 14 charges in downtown London shooting that injured 3 |
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The London Look |
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London’s Tower Bridge |
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Food Festival In The Tower Of London’s Moat |
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Move D house amp disco vinyl dj set London 2017 tracklist |
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End of Tenancy Cleaning London |
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Dr Alan Belfield Chair of Arup Group brings global business experience to London First board |
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Independent London Escort |
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Peter Staunton Is One of the Biggest Interior Designers in London |
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Celebrate Oktoberfest vegan-style at London’s Vegtoberfest festival |
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Trade after Brexit takes centre stage at London International Shipping Week |
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Best Sports Good Shop in London |
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Longford lady Margaret Brown leads tributes to emigrant who died alone in London during Late Late Show interview |
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Sam Dada amp Omar Mansoor London Fashion Week S/S 20 Collection |
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Jabbing at society’s wounds: London four-piece Legss take us through their debut EP |
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Top 10 Best VIP Nightclubs in London |
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Sports activities legends have teamed as much as give hilarious tour of theatres in London |
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AdForumSummit London: VCCP MullenLowe amp Anomaly |
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Long term rental in London |
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London mobile connectivity standard agreement to boost coverage |
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London Fashion Week AW2019 |
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Dev Blog: FFXIV Fan Gathering at Loading Bar in London |
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Flexible workspace makes up a third of London property deals |
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5 best cocktail bars in London for a girls night out |
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Dominique Ansel’s 2019 Pie Night brings in London’s top chefs |
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Case handphone – London |
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We are international full service modeling agency working in markets such as Paris NY London Milan amp Asia |
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21045 London Bus 23006 23003 23018 Model Building Kit Blocks Bricks Gift Toys for Children legoing Technic McLaren P1 Racing Car |
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London Marathon 2019 |
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afPE London Region Primary PE Conference |
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Traveling Solo as a Trans Woman in London |
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Carly Rae Jepsen Shows She’s Much More Than Call Me Maybe at London Concert |
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Guide to London |
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The capital markets union: Should the EU shut out the City of London |
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London Pop-ups |
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Indians At Madame Tussauds London ! |
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Your complete family guide to London |
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Kapil Wadhawan addressing the London School of Economics Students’ Union India Forum 2018 |
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University of West London Fully Funded Scholarships for African Students |
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Kerry 230 v London 113 Hurling match report |
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Get ready for Rum Festival Is Coming To West London |
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Behind the Bar: East London’s newest watering hole The Arches |
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Family Europe: London to Florence in 10 Days |
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5 Days London – 45 Park Lane – Dorchester Collection 5 Air Ticket Riyadh – London – Riyadh on Saudi Airlines |
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Lisa London and Karyn Turk talk new movie Nearly Departed |
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Nutshell: Iranian restaurant in London |
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Top Christmas Fairs and Markets in London |
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Go Behind the Scenes at London Fashion Week Spring |
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Moss London Skinny Wedding Suit Jacket In Sage |
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Liberty London |
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Winnipeg Punk Rockers Mobina Galore Headed to London to Support New Album and Video |
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Vendu pour 29 408 514 € chez Christie’s London en 2012 |
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London Santa’s Grottos |
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Radley London Flapover Leather Crossbody – Red |
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London Marathon |
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Liquify Web Design London |
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Patna’s Girl Aayushi’s Film ‘Dear’ to be shown at Film Festival in London |
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Fully Funded Queen Mary University of London Chevening Partner Awards 2020 |
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Nyae Nyae Chief shares his story in London |
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Darbo kalendorius London A5 |
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Lecture: London |
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PAD LONDON 2018 |
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In London with Michael Kors |
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Londoners Putting Homes at Risk by Oversharing Online |
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London Butcher Shop Goes Vegan for One Day |
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Mutoid Man Livestream – Broadcasting From The Black Heart London |
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Travel Diary: When in London |
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100 Years Ago… – Nayyar’s Travelogue – Qadian to London |
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Somalia’s petroleum summit in London draws criticism suspicion and protests |
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5 Days London – The Nadler Kensington 4 Air Ticket Riyadh – London – Riyadh on Saudi Airlines |
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EMEA Office – London |
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Flying taxi companies start buying up London rooftops |
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Kerry Team Announcement vs London – AHL Div 2A Rd 1 2018 |
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An Afternoon with Aspinal of London |
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London Apartment |
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Team Announcement: Kerry vs London – AHL Round 4 |
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Top 10 in Tech: London’s most valuable Energy startups |
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Astoria con Storm in scena al London Coffee Festival dal 28 al 31 marzo |
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1044 FM London Interview |
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New London Real Estate |
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De Minaur Jumps Nine Spots In 2019 ATP Race To London |
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5 Best Zero Waste Shops in London |
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Where To Stay For Your First Trip To London |
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Little Venice – Things to do in London |
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MakeoverMonday: London’s Aging Population |
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423 Masjid Baru Di London Menggantikan 500 Gereja Yang Ditutup |
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The other day I heard that eating 4 lbs of red meat about 16 hamburgers is equivalent to flying from New York to London and back in terms of consumption of earth’s resources At first proud and then ashamed of my Million Mile Club status here was my ticket to relieving my guilt Haven’t eaten any red meat for some 48 years But isn’t that statistic interesting I guess if you eat steak on a transatlantic flight you are the bad guy |
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Cómo exprimir al máximo una London Pass de un día |
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The Long Sunday by Peter Fletcher London: Faber amp Faber 1958 |
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Caesarstone 5000 London Grey |
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pretty streets in london |
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Highlights From London Design Fair 2019 |
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Paleta de Sombras Re-Loaded Revolution London – Basic Mattes |
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Claude Gellée Lorrain – The National Gallery of Art London NG6 Title: Landscape with David at the Cave of Adullam Date: 1658 |
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Convenient locationin Central London – Kings Cross |
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Your Company Ltd London |
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Scott Legal Attends FALL AILA Conference in London and Visits US Consulate |
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Top 10 in Tech: London’s most valuable Transportation startups |
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Welcome to Monday Sept 30 International Podcast Day it’s also Rosh Hashanah Happy birthday to former WWE wrestler/model/actor Candice Michelle born Candice Michelle Beckman in 1978 Today in 1961 Medford Mayor JW Snider and 16 Jackson County residents paid 196 as the county’s share for the tea lost in the Boston Tea Party protest Snider and the others presented a check to representatives of London tea exporter Davison and Newman The firm had tried for 188 years to collect 4966 it claimed to be owed for the tea shipment that was tossed into Boston Harbor during the 1773 protest In the weather it should be mostly sunny with a high around 60 Here are a few things to do today after you listen to Kerry Eggers’ Tribune sports podcasts: |
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London’s Startca Rocks The Park Friday Wrap – Tone Loc Ginuwine Mae Shaggy Snoop Dogg |
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After the success of One World London Helen is bringing the show to Devon next summer 2020 the music being performed by Glorious Chorus amp new spoken word contributions – if you’re interested in being part of this project contact Helen |
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London’s Calling! |
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Reliable cleaning company in London for one time services Expert cleaners London: |
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Neuropsychiatry London |
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Your bespoke architectural designer based in London |
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Call for Papers Women as Wives and Workers: Marking Fifty Years of The Feminine Mystique Saturday 30 November 2013 at Royal Holloway University of London |
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Keep in mind these pointers when you go out with sensual North London escorts |
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Windsor / London / Woodstock / Paris / Brantford |
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HOW TO DESCRIBE A PLACE IN LONDON AND IN NIGERIA comedy |
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Tulsi Gabbard to speak in Londonderry Oct 1 |
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Award-winning postgraduate accommodation in London |
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BEST OF SHOW 2017 INTERVIEW – Gilbert Archer-Cox Stellar London |
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VaynerMedia London appoint Ben Allison as VP global media |
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PHOTO LONDON 17 – 20 May 2018: this year more than 100 leading galleries |
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Ghost Signs of South West London – The Map I recommend you use the ‘View Larger Map’ button below |
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London-Saudi Global Terror Stop WWIII |
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CULT CREW CULT DOES LONDON UK |
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Mole to London Dermatology Unit |
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London Eye — колесо обозрения в Лондоне |
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Paul Wait CEO GTMC London UK |
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Facebook Accelerator London opens to companies across… |
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The Future of London and New York As Financial Centers |
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Bravura London Glycolic Acid 10 Peel – отзыв |
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Dande ATEULIWA KUWA BALOZI WA SIMBA SC KATIKA JIJI LA LONDON |
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Merlins Magical London Ticket – 5 FOR £60 – Save up to £87 |
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Sweet Rose London Fog |
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London Security Company is one of the Best Security Companies in London! |
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Inside London’s coolest new hotel The Standard |
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Best London Bars |
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London Advanced workshop- October 5 2019 |
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London Sep 14 – Sep 15 |
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County Londonderry |
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Cosmetic Injectables Trainer – Injectables Trainer – Injectables Trainer – Treatment Room in prime Central London |
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ALL NEW EVENT – North London Finsbury Park 5K |
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Qi DOU Imperial College London |
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Imminence announce London show and European tour |
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Why Uber can no longer operate in London |
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Namastey London |
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Pengalaman Terbang Jakarta ke London dengan First Class Garuda Indonesia |
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Daawo wariye Kayse Axmed Digaale oo xaflad balaadhan loogu sameeyay magaalada London |
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LONDON COCKTAIL WEEK 2019 BARS |
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London Milan Paris NYC |
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English Academy in London |
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LONDON – THE BEST CITY TO INVEST IN |
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The London One World Choir has enjoyed singing the music from the show so much they have decided to continue! Helen will be directing rehearsals in London once a month so contact Helen if you’d like to join The choir will be singing songs with the same themes of One World including peace social justice amp respect for the natural world Information about this choir can be found on the Choirs Page |
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Video Arsenal duo Mesut Ozil and Sead Kolasinac are both unharmed after escaping an attempted robbery in London on Thursday |
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Hundreds attend funeral for Irishman who died alone in London |
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BURGERILLA in LONDON |
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YABANIN ÇAĞRISI’nın efsane yazarı Jack London’la röportaj |
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Royal Opera House – Saison 2019/20 live aus London |
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VA – LA New York London To Ibiza Vol2 2019 MP3 |
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London Kolej Eğitimlerimiz için Bize College |
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From New York to London Dubai to Beijing we have you covered! |
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‘Appalling’ Boris Johnson in ‘stocks’ and cage stunts at London Dungeon |
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See what ICAP London staff got up to on their volunteer day at Howletts Wild Animal Park in June 2016 |
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The best signs and scenes from the Global Climate Strike in London |
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Best Museums In London |
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IPTVProviderlondon offers all major PPV event! |
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London United Kingdom 07 Oct – 08 Oct 2019 |
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Pokemon Center London will offer an exclusive London City Pikachu plush |
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Britain London Lewis Clinic |
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Why you need to see… London Hughes |
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Hambalyo: Khadar Xuseen Iyo Saynab Xaaji Gaydh Oo Meherkoodu Ka Dhacay London |
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Office cleaning London |
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London: 2020 Square Wall Calendar |
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Burberry London Hand |
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Ken Rubin Interviewed on Scrum amp Kanban for The Times of London Article |
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Experience London for less this autumn |
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london |
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Independent London Escorts |
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Scotland accountancy firm bolsters financial offering with new London office |
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Autodesk at Wednesdays London User Group |
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Keep in mind these standard guidelines while going out on a day with escorts in London |
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Tate Modern London |
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Event 4 Event Time: 8pm / Event Location: London UK |
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House Cleaning Price List – Cleaning Services London |
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Marketing amp Communications Specialist London |
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Erotic Massage in West London – Grand Massage |
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London Real |
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Polish Jazz London Series |
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Bitpanda One of the Leading Bitcoin Marketplaces Is Opening a London |
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Welcome to All In London mate |
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March 31 2016 London Rickshaws |
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London Fashion Week: Victoria Beckham Debuts Her Beauty Line |
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London Dubai |
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Bullish bear is a reliable Company with a flawless reputation that works in the sphere of Forex trading and involved in the financial activity on the London Stock Exchange |
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London Car is Getting More Expensive |
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Kurt Geiger London Soho Pointed Toe Stiletto Pumps |
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Lovely London |
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6th International Conference on Cardiology and Vascular Biology London UK November 11-12 2019 |
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Rex Orange County has added a third London show to his upcoming tour |
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Dudoff London |
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London: Hundreds rally for Assange outside Belmarsh Prison |
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Veteran London litigator Marcus Bowman to leave HFW — but will not go far |
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Marcos Baghdatis to join host of legendary players at Champions Tour season ending London finals |
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Đội bóng thành London gửi tuyển trạch viên theo dõi ”hiện tượng |
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Baylor’s London claims gold medal at World Championships |
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Press Release: London Production Duo Releases New Tracks Featuring Bowie Drummer |
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London Forex Rush System MT4 Aurum Alter Strategy |
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London Capital Group LCG |
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Колесо Обозрения London Eye |
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Find Best London Airport Transfer for Any Kind Of Transfer/Trip |
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Нож в ножнах “LONDON” |
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London dairy DIET – Promotional campaign designed by team Icon Dubai |
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London hotel offers |
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London Wants Trump Out Now As Their Financial System Blows Apart |
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London hop on hop off |
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Discover the good timesFind a great night out in London |
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An Industrial Colorful Loft in London |
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My analysis about London escorts and their services |
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India Emerging Twenty IE20 by the Mayor of London |
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London Tech Job Fair Autumn 2019 |
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Smart tv london |
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کفش زنانه Carlton London |
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Our Core LondonFood Travel |
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As an author reader and teacher I have many books to my name – all in the tarot and self-development realm My professional career as a tarot reader and Angelic Reiki healer began at Psychic Sisters within Selfridges London where I worked for seven years I am also a Switchwords mentor a manifesting technique I teach in workshops and via online coaching |
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London’s Startca Rocks The Park Thursday Wrap – Pop Evil I Prevail Killswitch Engage In This Moment Five Finger Death Punch |
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Professional Dog Training – London Ontario |
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Mobile Telecommunications Office Paddington London |
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London office: |
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Founded in 2008 Paddington Partners is an international recruitment to recruitment company focusing on the leading global recruitment markets With offices in London Singapore Hong Kong Melbourne Dubai and New York we offer candidates access to the best opportunities across the to Search |
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In London Golders Green was and maybe still is the home of the Jew community which has recently been coming under anti-Semitic attack but the attack is not coming from the French Chinese Black or Polish communities it is far more likely to be coming from immigrants from the Middle East where there is an ongoing genocide in Palestine |
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Case handphone – London big Ben 2 |
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London’s Most Popular Shows |
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London I love you |
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London tonic Cardamom tonic ili Dry ginger |
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Sibos 2019 London – September 23-26 |
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Permeable resin bound walkways for North London developmentHAMPSTEAD NORTH LONDON |
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Pre-book at London Paddington at Liverpool Lime Street at Manchester Piccadilly Station |
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Shop online with FREE delivery on all orders over £50 or visit us on the high street in either of our two showroom stores in Burgess Hill and Central London |
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Machu London Eye |
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Ignis shows off first work for Fuller’s London Pride |
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Sterling Ruby Frieze London 2019 |
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A Guide To Commuting In London |
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A Complete London City Guide- Visit Know amp Explore London |
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London Digital Agency |
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Warwick in London |
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Классные игры которые вы можете скачать бесплатно с нашего сайта Dream Machine Winterstate City Run London Skater Boy Legend Roll Spike Sepak Takraw |
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Why Security Services in London is a 1 Priority |
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The Quirkiest London Walking Tours You Can Book Right Now For 25 Less |
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CRADLE OF FILTH ANNOUNCE SATURDAY NIGHT AT THE LONDON PALLADIUM! |
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Bonobo dj set Mixmag London2017 |
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Cockney Rhyming Slang from London |
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Emir by Rosemary Tonks London: ADAM Books 1963 |
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The National Gallery London |
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Autumn Date ideas for Londoners |
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National Theatre of London: The Audience |
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Things To Do This Weekend In London: 5-6 October 2019 |
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Massiver Stromausfall : Blackout in London und Teilen Großbritanniens |
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HOW WE BUILD A LONDON DOOR |
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In the Dark Streets of London |
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Million Mask March London Plan to Show amp |
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Hot Right Now – London’s hottest restaurants – September 2019 |
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10 Interesting Facts About The National Gallery London |
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London / Manchester / Leeds / Glasgow / Bristol |
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Angel Olsen’s All Mirrors album to premiere at London listening party |
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AGÁRDI PÁLINKAFŐZDE – arany- és ezüstérmek a londoni IWSC versenyen |
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London Urology |
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Flights from New York to London |
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Princess Cut London Blue Topaz Channel Set Hoop Earrings in 925 Sterling Silver |
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UK London Office |
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Our Work – Visit London |
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London UK EU |
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Aldi to Double Their Store Presence in London |
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Economic Change CAN Mezzanine49-51 East Road London N1 6AH |
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Interview with a London based nanny |
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WEEK END LONDON Eau de Parfum For Women/100ml |
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The Rook – Season 1 This London-set series centers on a young woman pursued by sh |
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Meet the costume designers on four of London’s new shows |
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driving school east london |
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London Career Kick-Start Work Experience programme 2020 |
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Atherton Leisure Centre 189 Romford Road Stratford London E15 4JF |
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Shopping in LondonShopping in London |
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Best Prices in London |
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ZSL London Zoo save on entry |
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HMS President St Katherine’s Dock London |
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« On ne peut pas attendre que l’inspiration vienne Il faut courir après avec une massue » Jack London |
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Otedola steps in again! Bankrolls Majek Fashek’s London medical treatment |
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Cockney Dialect / Londoner Accent |
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Follow us on Instagram londonbusinessmagazine |
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Executive dinner in London about Customer Experience |
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Lobisomens de London |
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10 Quiet Places in London to Rest and Relax |
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Imperial College London – Sept 19 2019 |
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London Makeup School |
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Congrats RootsTech London Giveaway Winner! |
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Why we founded V London City |
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The grand regeneration of London’s historic Battersea Power Station secures £600 million for the third and final stage of revitalization |
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My experience with hot model like woman from London escorts |
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You can constantly get a girlfriend experience with the aid of escorts in London solutions |
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Finding a sensual massage in London was never so easy Visit HunterGround map for best erotic massages! |
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New London restaurants – all the recently opened restaurants in London |
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Why Choose Liquify Web Design London |
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London 1-1777 |
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LONDON OXFORD |
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London School of English Home |
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CITY OF LONDON |
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London Eye Madame Tussauds SEA LIFE |
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Zilliqa Launches Education Initiative in Partnership with Award-Winning King’s College London Blockchain Society |
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One day in London |
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British Museum London |
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London’s Hidden Rivers: A Walker’s Guide to the Subterranean Waterways of London |
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The end of the in-house recruiter DiceTru TruLondon |
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London Academy Casablanca: 4 Students Receive Merit-based Scholarships |
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Steve MaybankProfessor Birkbeck The University of London FRSS FIEEE |
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Tile amp Bathroom Specialists in South London |
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Trip Review: Malta Air London Stansted To Cologne |
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SCL World Café: Building a Tech Law Curriculum – Friday 15 November 2019 London |
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UK army said to use Israeli-made system to end drone chaos at London airport |
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ESCP Europe hosts 2nd Tech Days at London Stock Exchange |
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Новая коллекция MELSETTER от коллекция обоев London V от Little Greene |
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Children’s Portrait Photographer London |
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ICAS London |
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Looking forward to welcoming you at IMPA London 2019 |
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London based |
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The Mere Living by B Bergson Spiro Betty Miller London: Victor Gollancz 1933 New York: Frederick Stokes 1933 |
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241-mile London to Leap29 Cycle Challenge for The East Cheshire Hospice |
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Tarkett helps London Waste and Recycling Board close the loop |
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RWANDA:NYUMA YIMIYGARAGAMBYO YIGITANGAZA YAMAGANA KAGAME USA UBU BITEGUYE IYINDI MYIGARAGAMBYO RUKOKOMA I LONDON |
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Pam Stone: An American comic in London |
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Rimmel London Scandal Eyes Reloaded Tusze do rzęs |
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Battlefield 1 Apocalypse DLC February – London Calling Air Assault |
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Peaks of Power: Beginnings There’s always somewhere to go someone to defeat! At least that’s what Ryan believed until he ran out of challenges adventures and stories Bored with his life as a casual player he slipped easily into the lifestyle of a professional gamer After reaching the pinnacle of success an email Read More The Unblessed Dead When I was younger my mother saved my settlement from the unblessed dead that would have killed us all It cost her everything to reveal her necromancy and sent shockwaves through our stringent religious settlement Convicted of heresy against our sacred lost texts she died soon after Since then Read More The Tale of the Vampire Bride All I ever wanted was the freedom to live life as I pleased despite my aristocratic parents’ hopes I’d secure a prestigious husband But my fate was far more terrible than an arranged marriage when my family became prisoners to one of the most fearsome and powerful vampires of Read More The Science of Likability: 60 Evidence-Based Methods to Radiate Charisma Make a Powerful Impression Win Friends and Trigger Attraction 100 scientifically-proven ways to make friends quickly turn enemies into friends gain trust and be flat-out likable Utilize the most interesting shocking and counterintuitive findings in psychological science to simply make people want to be around you The Science of Likability takes over 60 seminal scientific and psychological studies Read More The Beauty of Us My name is Jake Althaus and for the most part I seem to have it all A loving partner a devoted dog a promising future in nursing school The only problem is: I’ve been plagued with persistent headaches and though I loathe to admit that anything is wrong a Read More Alt Control Enter I’ve always used video games to get me through the hard times especially throughout my mother’s terminal illness Tasked as not only her caretaker but my little brother’s as well I long to give them a better life and save my mother’s in the process This is why on Read More The Inimitable Jeeves It’s the height of the Jazz Age and the roaring twenties are in full-roar in and around London and the English countryside Bingo Little the twins Steggles and Aunt Agatha are among the banes of young Bertie Wooster’s casual existence but fortunately Bertie has his gentleman’s gentleman his valet Read More Ruson the Vampire Saint amp Other Apocryphal Tales A weird assortment of religion-based short stories spanning genres of fantasy horror satire and folklore Set in an alternate version of our solar system this collection of tales will entertain believer and skeptic alike From the author of the Four Winds – One Storm series herein lay tales of vampires becoming Read More Eve: A Christmas Ghost Story What do you do when a whole town is haunted In 1899 in the North Yorkshire market town of Thorpe Morton a tragedy occurred 59 people died at the market hall whilst celebrating Christmas Eve many of them children One hundred years on and the spirits of the deceased Read More The Director’s Cut: A Novel A Christian Romance: Tia Morales is used to calling the shots She’s the director of the popular sitcom Stars Collide and her life on set is calculated and orderly Well most of the time But her life outside the studio is another matter If only she could get her family Read More London Coven A witch’s familiar must protect London from the monsters that lurk in the shadows the creatures that seek to unravel the fabric of things and send a city to hell Stella Familiar was created by the London Coven out of spit and blood She’s a fighter a blunt instrument Read More Poison My Pretty When Poppy Parker turns 21 the popular TV witch detective discovers she has supernatural powers off the set as well as on When the show is canceled she returns home to figure out how to harness the magic brewing inside her Freaked out by these recent paranormal gifts Poppy Read More Daddy Dom 2: Daddy’s Naughty Gangster I Love You Daddy A DDLG and ABDL 2 in 1 novel collection of kinky BDSM age play stories Two romantic DDLG and ABDL themed love stories for the age play fetishist WARNING: These stories contain heavy sexually explicit content Age Play DDLG MDLG and ABDL themes It features diaper changes wet lactation Dominants and a submissive The characters in this book are consenting adults engaged in a variety Read More Her Web Master An online connection Masked by anonymity No cameras No pictures Curiosity ignited to intrigue I thought I knew what I was getting into but had no idea how far we would go My intention was to test the waters dip my toe in the wading pool Instead I surrendered Read More The Message for the Last Days The future is revealed by understanding the past where history and mystery are intertwined The Message for the Last Days explains the progression of afterlife beliefs found within and outside of the Bible It reveals the original message about Heaven compared to changes in culture over time leading to Read More Royally Schooled They come from two different worlds Their love goes against centuries of tradition But he doesn’t give a damn Maggie The royal family needs a tutor Someone they can trust Someone who isn’t swayed or distracted from their duties by working for royalty I’m perfect for the position since Read More The Last Rite The last rite was never meant to be found Ten years ago the love of Daniel’s life disappeared Then Daniel learns that not only did she commit suicide but she left behind a daughter he never knew he had Taking his estranged daughter home Daniel gets detoured to the Read More Peas Carrots and an Aston Martin He’s inherited every English boy’s dream car But to hold on to it he’ll have to get his hands dirty Eric Sibley loves his upscale job and the good life it provides So when the corporate climber inherits his father’s Aston Martin DB4 he’s excited to drive his wife Read More End of the Road Lars Gunner the frontman for Silent Plaids died 23 years ago and his death was ruled an unfortunate accident Despite the fact that he can’t recall what happened to him in his last moments of life he is convinced that he was murdered He has been trapped in limbo Read More Realmbound: Sword of the Scion Forge alliances Gain powers Save the realm In the realm of Valion a war is fought between the vile demons of the under-realm and the mighty scions mystical beings with the power to wield super-human abilities It is a war that turns cities to ash that leaves the very Read More Daddy Morebucks From the moment she laid eyes upon him Marley knew in her heart that James was not just another client and the difference wasn’t even the large sum of money he offered in return for a single night of submission No what set him apart was the fact that Read More Brave Teaching In this companion volume to Brave Parenting Krissy Pozatek author of The Parallel Process employs the skills she learned in wilderness therapy to show how teachers can build emotional resilience regulation and mindfulness in their students as well as nurture their ability to problem-solve and develop life-skills With examples drawn from Read More The Amazon Dropshipper’s Manual: How to Profit Big in Dropshipping and Stay on Amazon’s Good Side Amazon can be a difficult landscape to maneuver considering category restrictions performance reviews account health and stricter overall policies regarding what you can and can’t sell on their platform Amazon is cracking down hard on dropshippers that ship bad quality products typically from China with ridiculously long delivery times Read More Brett Gets Hammered The beautiful and alluring Tammy Rankin and her brother Andy were positively grief-stricken when their well-to-do father died of a fatal heart attack In fact their grief was intensified when they realized that their young stepmother stood to inherit his vast fortune – that is unless they could somehow suggest Read More Troubled in Paradise After her father’s death the previous year and now in the throes of a gnarly teacher’s beady eye as she thinks ahead to college a small black arachnid bites 15-year-old Susie Speider on the finger and sends her nights into fantastical dreams about taking revenge on her teacher – Read More The Electric In the summer of 1985 15-year-old Sam Crowhurst discovers an old abandoned cinema that screens movies made by ghosts for ghosts Sam and his friends Emma and David find themselves drawn into a world where the likes of Humphrey Bogart Lon Chaney and Theda Bara are still making pictures Read More The Water and the Wild For as long as Lottie Fiske can remember the only people who seem to care about her have been her best friend Eliot and the mysterious letter-writer who sends her birthday gifts But now strange things and people are arriving on the island Lottie calls home and Eliot’s getting Read More Growing Up In Disneyland Growing Up in Disneyland is part biography about Ron’s father Broadway movie and TV star Don DeFore and his own autobiography Don DeFore earned a star on Hollywood Boulevard’s Walk of Fame and was a household name in the 1950s and ’60s He co-starred in numerous TV shows live theater Read More Yes! The Prayer God Loves to Answer God wants to answer your prayers without begging claiming arguing or bargaining Learn how a successful Christian book publishing business began with a vision from God on the side of a busy interstate highway The Prayer God Loves to Answer is a fascinating story of a man who said yes to Read More Diclaim and Dislcose Through some personal turmoil I’ve managed to salvage the best of my life but not until after it was all ripped away by one man’s ignorance and greed as 20 federal agents ascended on my Manhattan apartment in the early hours of the morning Disclaim and Disclose is the Read More Fairer Than Any A sweet historical western romance: Daisy Weathers travels to Texas as a mail order bride The would-be groom takes one look at her scarred face and walks away without a word The jilted Daisy is humiliated and despondent knowing this was her last chance at marriage Sterling a handsome Read More High Plains Holiday In winter of 1888 the small town of Garden City Kansas receives an early Christmas present: a new pastor He’s young handsome and single But to church organist Kristina Heitschmidt he’s nothing but trouble – especially as his first move is to take away her control of the music Read More Blademage Beastmaster Charlie Naylor is a good guy but he’s never been great at multi-tasking When Larynk the god of corn sends Charlie into a fantasy game he just can’t help himself trying By combining his love of daggers magic and animals he becomes the Blademage Beastmaster With a dangerous new Read More Tourists of the Apocalypse Dylan Townsend stands on the beach watching commercial jets fall out of the sky like oak leaves twirling in the wind A wing shears off the one closest to the shore just before it splashes down in the sea Why was she telling him this outlandish story What sort Read More Rescued by a Sea Nymph Is it love at first sight or a gamble of fate Captain James Harlow third son of a viscount expects nothing from life and yearns for adventure He gets his wish when he’s overcome by a group of young miscreants with ties to the peerage losing his hand in Read More Who is Sarah Lawson How would you feel coming home to find a family living in your house who call you Sarah tell you your brother’s name is Andy and insist that you should be ashamed of calling the police for help My name is Rowena Shaw and I’ve never seen any of Read More Birching His Bride Domestic Discipline Quartet Book 1 Lady Eleanor Petersham knows exactly what she wants from her marriage – a man who will worship at her feet Instead her father marries her off to her brother’s best friend the devastatingly handsome authoritative and devilishly dominant Lord Edwin Hyde It doesn’t matter that he makes her entire Read More The Belle of Bedford Avenue At the turn of the 20th century many affluent Brooklyn teens and young adults were bucking the constraints of their immigrant parents and behaving badly: drinking having sex staying out all night stealing scamming local businesses and engaging in other more serious activities When 20-year-old Walter Brooks was murdered Read More She Is Evil! Madness and Murder in Memphis That woman is evil She is evil! Ejaz Ahmad was handsome charismatic and a self-made businessman He arrived in the United States from Pakistan determined to fulfill his mother’s dying wish: to come to America complete his education and make his mark in the world Settling in Memphis Tennessee Read More Conquest Voted 1 Favorite Dystopian Book at Virtual Fantasy Con The future of mankind is in the hands of one woman—but only she can See it Over the last five hundred years Timur Demyan has used his ungodly powers to decimate countless empires Now the immortal villain stands as the Read More The Girlfriend’s Guide to Pregnancy The practical comforting honest and hilarious bestseller for moms-to-be with more than one and a half million copies in print! Your doctor gives you medical advice Your mother buys you baby clothes But who can give you the real skinny when you’re pregnant Your girlfriends of course—at least the Read More Chasing a Flawed Sun Riveting I couldn’t put it down! Not just another addiction memoir Must read! The phrase heroin saved my life could be considered both controversial and even offensive to some However in Chasing a Flawed Sun the author shows us how after breaking him down and almost taking his life several Read More Ripple Effect No one can hide from ripples Throw that one pebble and its effects can last a lifetime Have hope Sixteen years old bullied heartbroken and alone The voices are heard always and they’re much stronger than you think Turning inside and listening to that voice young Jo starts a Read More The Nationalists Described by one reviewer as bloody accurate The Nationalists is an Irish story set against the bloody backdrop of the 1916 Easter Rising the War of Independence and the Irish Civil War From the author of The Scribe The Soaring Spirit Kolbe and Land of Our Father comes a sweeping new novel that spans Read More The Scribe If you’re interested in spiritual fiction The Scribe is for you There is a deep rich vein of spirituality running through The Scribe a novel that resurrects the life of Luke the Evangelist After the crucifixion of Jesus in its immediate aftermath a young widower and member of the Sanhedrin Read More Desert Sequence: Puatera Online Books 1 to 3 Maddie is the NPC with attitude! Follow NPC Maddie on her journey of self-discovery which takes her through the deadly desert plains to the inner programming that makes her who she is Contains all three books of The Desert Sequence: Desert Runner Desert Born and Desert Storm Audio sample at Amazon To request Read More The Past’s Promise She found the ultimate love of her life in another timeand as a man Jessie Wharton is a teacher in the twenty-first century Or at least she was Taking her history class to visit the ruins of a historic fort in west Texas the scorching heat turned her world Read More The Battle Lord’s Lady Three hundred years in the future mankind still is trying to survive the Great Collision that changed the earth forever People live in pockets of civilization called compounds battling the elements and the mutations which have developed over the centuries trying to live and survive day by day Yulen Read More Prime: A Bad Boy Romance When only one man will do Jaxon There’s the best of the best and then there’s me the best of the best of the best I’m a soldier a Special Forces operative with over a hundred successful missions behind me – or at least I was until a mother Read More Second Chance Desire Hot Moon Rising 8 Knox Fort only wants to be left alone Eight years ago his world crashed when his mate walked out on him After a stint in jail for a bar fight he did the only thing he could He emotionally closed off to everyone and everything Now he is content Read More Surrender to Me Former aristocrat turned lowly vampire Devlin Dalcon gets by on his supernatural charm swindling others for money and goods When Devlin encounters bride-to-be Annabelle – another potential victim – he finds the tables have turned as he falls in love with her Audio sample at Amazon To request this Read More The Chalet When Madeline honors her mother’s dying wish and returns to the Chalet she discovers the true secret of the old mansion: a seductive spirit whose undying love has waited decades to claim her for its own Audio sample at Amazon To request this audiobook complete the form below Or Read More Latham’s Landing Anthology All That Remains Sandra has come to Latham’s Landing seeking to discover what really happened to her relative who disappeared there years before persuading her reluctant friend Tina that a little paranormal investigation will be fun The Origin of Fear Four college friends mount an expedition to Latham’s Landing Read More Trail of Blood Occult investigator Sam Logan receives a cryptic call about a man’s missing son that leads him and his partner Carter Mason – a disabled veteran – into a small town infested with vampires With each hour they spend in town after dark they discover just how deep the infestation Read More Human After All Every day for Becker Gray is a struggle to keep himself from collapse and the best way he’s discovered to do that is to hide from his past his guilt and his pain He’s been known to overthink overdrink and under-sleep His job as a detective in the major Read More Unicorn Jokes for Kids and How to Tell Them If you love Unicorns you’ll love this audiobook Jokes are an important part of growing up A day without laughing and learning is a day wasted You do not have to understand every joke You will get it as you grow older If you don’t get a joke you Read More Why Are There Bullies and What Can You Do About Them: An Interactive Book for Children Parents Counselors and Teachers Why are there bullies and what can you do about them This audiobook is written for children parents counselors and teachers to review or open discussions about bullying and what to do about it Audio sample at Amazon To request this audiobook complete the form below Or click here Read More Night Winter and Death Night The town of Yocum Valley is in for the longest darkest night it has ever known A night that will make some doubt their sanity and others fear for their lives A night when the heinous curse of its tainted ancestry will rise in the form of a Read More Bloody Bloody Apple Apple Massachusetts is rotten to the core Every fall when the orchards ripen and the leaves begin to die there are murders We know it and we accept it It’s the price we pay for living in Apple Families mourn but no one is ever caught Now there’s a Read More How to Complain: …And Get What You Deserve Face it – we are a nation of complainers We complain when our team loses when the TV program’s dull when the weather turns on us We grumble about bad politicians and stupid laws and shoes that pinch The average American complains an average of 20 times a day! Read More Peril in Paradise Depressed over her youngest son leaving two years early for college– across the country no less! – Jerria takes up her husband Will’s offer of a relaxing Hawaiian cruise But a series of ominous events onboard the Ocean Haven squashes any idea of a calm tropical vacation Soon Jerria’s Read More Murder On Deck: Jerria Danson Mysteries Volume 2 Against the beauty of an Alaskan cruise passengers begin suffering from something more than routine seasickness Jerria suspects they are being systematically poisoned Can she discover who’s behind the nefarious plan before succumbing to it herself If you love a mild mystery or dream of a cruise grab Murder Read More Tips from the Cruise Addict’s Wife Tips from the Cruise Addict’s Wife is a travel/tour book with a twist it’s like sharing a cuppa with a good friend who just happens to know more than you do This book is loaded with tips and tricks to plan the best cruise ship vacation ever! It’s laced with Read More The Cookie Cutter Legacy In this warm Christian historical fiction Henrietta a tough 95-plus-year-old North Dakota cattle rancher weakened from a bout of pneumonia comes to live with her great-niece in rural Oregon bringing the family treasure with her From the time of Queen Elizabeth I each generation of the Van Demere family Read More The Dim-Witted Hitman: A Cruise Crime “Dimmie my boy it looks like you’re going on a luxury cruise” With those words the hot-headed Irish mobster sends his best hitman to take out his old rival He’ll never control the mob so long as Kerrick is alive Dimmie short for Dim Wit O’Malley who has never Read More Into the Wolf’s Den The Wolf is handsome calculating and rumors say even cruel He owns the local bank and pretty much everything else in town He’s also the man of the house Well he was When I find out that he’s foreclosing on my grandmother’s property I’m furious I go to the Read More All that Remains On the brink of chaos the journey of survival begins Landon Gray a skillful ferry pilot who delivers planes to customers has one final drop in Alabama before Christmas But when an EMP causes the plane he’s in to crash on the remote snow-covered mountains of North Carolina he’s Read More The Last Dragon Lord Complete Set Books 1-3 He’s a supreme dragon lord at the height of his power but there’s a conspiracy brewing Old Dark is a viperous dragon lord who rules the world with brute force For 200 years he and his dragons have terrorized humanity forcing it to pay tribute or die Dark’s palace Read More Kissing Magic Kiss him Don’t fall in love Break a spell with a kiss Karina has heard and seen enough weird stuff for this request to sound legit At 16 Karina has a shot at adventure–and an odd first kiss – when she’s called to Whyland a kingdom in another dimension Read More Caught Up In You Edgeplay: The Complete Serial I know it’s wrong but I just can’t help myself Baily Sinclair’s only decadence is her nightly skinny-dip in the lavish pool on the estate where she works Better to beg forgiveness than ask permission right At least until she’s caught in the act by a stranger who demands Read More In Charge of You Fitting a relationship into a double life is a full-time job and with a super villainess riding shotgun the power is up for grabs Daisy Ellis has a secret By day she is a mild mannered CPA but when the sun goes down her inner domme comes out to Read More Why She Left Us An explosive family of three young sisters and their promiscuous mother descends into suicide and murder in this tragic tale told in five different characters’ points of view chronicling a critical period of time in the lives of a tormented family of women and their men Audio sample at Read More Final Notice She’s serving up mayhem in the Magic City FINAL STRAW Dishing out bad news is Jackie Parker’s job So when her boss grabs her assets one time too many she serves him her notice and hopes he chokes on it There must be a better way for a certified Read More The Goodnight Kiss A teenage serial killer with a mysterious past The deadly hunter sworn to protect her Secrets lies and a shot at redemption It all begins with a kiss When 16-year-old Nic Rutherford heads out for a night on the town she brings a full arsenal Her best weapon A deadly kiss Read More I’m Never Drinking Again: Maybe It’s Time to Think about Your Drinking Have guilt regret or bad decisions ever led you to say I’m Never Drinking Again Are you tired of waking up with a hangover Do you wonder if you drink too much or too often Are you spending too much money on booze Is drinking affecting your health your Read More Royal Wrecker A marriage bargain catapults the prince of rock and the princess of Martinovia to super-couple status but a romantic honeymoon will prove to be the real test Leo: My world is filled with everything most men desire – money women fame The fans are great but I’m an introvert Read More The Realm Between: The Curse: A LitRPG Saga Book 1 Will refused to admit to the HR lady at Radical Interactive that he’d never played their debut virtual reality MMORPG The Realm From what he’d seen in videos and heard from reviewers the game sucked With the company’s failed attempt at entering the gaming industry they switched their sights Read More Bound A Second Chance Military Romance Alex died a military herountil a year later when he was found alive He came home to a broken life His wife had moved on – married to his brother Trying to figure out where he fits in the world Alex just drifts His life bound by the nightmares Read More Woven: Book One Mystic Valley Shifters HOT NEW SHIFTER ROMANCE – Warning Contains Some Adult Content Burying my parents was the hardest thing I had to do or so I thought Then I met Jensen and the unexplainable happened Every time he gets near me my body feels like it might burst into flames Falling Read More Wretched: Book Two Mystic Valley Shifters Haven fought to help his niece Dylan save her destined mate from the clutches of a past enemy Ending the long rival came with a price he had to sacrifice himself to save Tessa his destined mate from death He tried to tell Tessa she was meant for him Read More Willing: Book Three Mystic Valley Shifters Carly’s always been the girl everybody is drawn to everyone except him She can’t seem to get him out of her head but he doesn’t even notice her She thinks it’s because he’s older and doesn’t want to date someone like her But she plans on showing that she’s Read More Whispers: Book Four Mystic Valley Shifters Carter almost died and Kai can’t take the chance of losing her destined made any longer She pushed him away for so long – like Paul did Carly But now when he needs her the most he says he doesn’t want her Can Kai break through his frozen exterior Read More The Glass Heart Jesse’s heart becomes an empty glass left cracked and broken when her husband Alex is killed in action With the help of his brother AJ and his parents Jesse is able to fight the sadness AJ has always loved her – best friends since high school But she married Read More Endless Fantasy Online: The Phoenix Kingdom NOTE: UK CODES ONLY Lucas Luke Patterson an ordinary geeky college student gets a summer job at Vortex Industries His summer job is to test a new virtual reality game using the Vortex Capsule a machine capable of fully immersing you into virtual reality His first session Read More Killstreak 1: Respawn From international best-selling author Stuart Thaman: Lord Kadorax Darkarrow was born on Earth but in Agglor he’s the highest-level assassin anyone can find The leader of the famed Blackened Blades he’s made a name for himself built a kingdom of sorts and only had to respawn once along the Read More The Goblin Wars: Siege of Talonrend From international best-selling author Stuart Thaman: Lady Scrapple lurks in the depths of Kanebullar Mountain building her army of mindless slaves and waiting for the perfect moment to strike As the final pieces are about to fall into place and secure her victory an anomaly is born One of Read More The Target List WAND is a revolutionary new medical tool that cures diseased tissues in human beings without the use of drugs or surgery Ten years in design and production the technology has a 95 success rate in curing most forms of cancer in animals and human beings The brainchild of 48-year-old Read More Couch Potato Chaos – Gamebound You know those times when you’re surrounded by a squadron of bloodthirsty ninjas your back is to the wall you’re down to your last heart container and all hope seems lost In situations like that it’s important not to panic to take a deep breath and to remember that Read More Land of My Dreams Alone and betrayed American professor Bonny Bryant longs for a haven of peace She accepts a position at a small Christian college in Fort William Scotland craving escape from her painful past The passionate love which develops when she meets fellow professor and sheep farmer Kieran MacDonell is something Read More Bend Me Break Me One girl Lonely Broken Lost One boy Determined Guilty Lost Two hearts One terrible secret It will either bring them together or tear them apart Audio sample at Amazon To request this audiobook complete the form below Or click here to search for other audiobooks Click here to search Read More The Mask: A Halloween Regency Novella Miss Henrietta Moore’s life is about to get Mysterious When Sally Henri’s maid comes across a Mask in a trunk of old costumes Henrietta is entranced and transformed She secretly wears the mask at the first of October’s masquerades hoping to catch the attention of the man she thinks Read More Maggie’s Run: Outback Brides Book 1 Maggie Walker has never called Wirra Station home Orphaned as a child she spent more time at boarding school and then working in the city than she ever spent on the edge of the outback But when her great aunt dies Maggie inherits everything and reluctantly returns to tidy the Read More In Too Deep: Stewart Island Book 1 What if the man you loved played a part in your father’s death As an elite police diver tormented by her father’s fatal drowning accident Piper Harland is forced back to the one place she’d sworn never to return Her tiny hometown on New Zealand’s isolated Stewart Island hasn’t Read More Sword Sirens: The Weatherblight Saga Book 1 Amongst the remnants of the ancient Saidican Empire lies Golias Hollow an underground community of people who’ve taken refuge from the tainted surface Completely cutoff from the outside world the men and women of the Hollow follow the teachings of the prophet Dormiar sacrificing a select few to the Read More Design For Justice After a brief vacation graphic designer Remi Painter starts working for the Hunger House a homeless shelter in downtown York Pennsylvania refining their website under a tight deadline for chump change and feeding the community in his off time But when he finds remnants of 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parks The victims differ and the manner of murder changes every time Amid the mountains Read More What The Dog Ate The vet handed Maggie Baxter a plastic specimen bag containing a pair of size-tiny lavender thong panties extracted from her dog but they were not hers Or rather they were hers now since she’d just paid 734 to have Dr Carter surgically remove them from Kona’s gut This is Read More Stray Magic Cara Snow is newly divorced stuck working for a jerky boss at a pet boutique and dreading her soon-to-be-empty nest with only her beloved corgi for company Worse still her ex just got engaged Doesn’t she deserve some romance too Or at least a date for the Fur Ball Read More Whiskey Women: The Untold Story of How Women Saved Bourbon Scotch and Irish Whiskey Without women whiskey may not exist In Whiskey Women Wall Street Journal-best-selling author Fred Minnick tells the tales of women who have created this industry from Mesopotamia’s first beer brewers and distillers to America’s 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Electrohomeopathy is a version of homeopathy few people know about Allow me to explain: Cesare Mattei 1809–1896 an Italian count was interested in homeopathy Mattei believed that fermented plants gave off ‘electrical’ energy that could be used to cure illness He also believed that every illness had a cure provided in the vegetable kingdom by God He began to develop his system from 1849 The large bottles are labelled ”Red” ”Green” “White” “Yellow” and “Blue” so the actual ingredients remained a secret Ointments were made up with ingredients from the small and large bottles The vial labelled “Canceroso 5” was used for bruises cancers chilblains hair loss skin diseases and varicose veins among other conditions Although dismissed by the medical profession as quackery Mattei’s system was popular It formed part of the treatment at St Saviour’s Cancer Hospital in London from 1873 |
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In recent times there has been much talk of Polish plumbers and Chinese Winkle pickers and stuff like that There are at this time French folk in London many of whom are working in informatics as the French are extremely competent at designing video games |
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Amazing customer service included from our friendly and knowledgeable team based in London and The USA |
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2016 KATA PENGANTAR Bismillahirrahmanirrahim Puji dan syukur penyusun panjatkan kehadirat Allah SWT yang telah senantiasa melimpahkan nikmat yang tiada tara yang tidak hentinya memberikan kesabaran dan kekuatan kepada penyusun sehingga dalam penulisan makalah ini penyusun senantiasa diberikan kemudahan Shalawat beserta salam semoga tercurah limpah kepada junjunan alam yang telah membawa perubahan zaman dari zaman jahiliyah ke zaman ilmiah yakni nabiyyina Muhammad SAW beserta keluarga sahabat beserta umat yang tunduk dan patuh terhadap sunahnya Makalah ini disusun untuk memenuhi tugas terstruktur pada mata kuliah Manajemen Investasi jurusan Manajemen Keuangan Syariah Fakultas Syariah dan Hukum Universitas Islam Negeri Sunan Gunung Djati Bandung tahun akademik 2015/2016 Dalam penyusunan makalah ini penyusun telah berusaha semaksimal mungkin agar penyajiannya sesuai dengan harapan dan tuntutan sebuah makalah yang sempurna Penyusun menyadari atas segala kekurangan dan keterbatasan baik dari segi teknik maupun isi Oleh karena itu diharapkan makalah ini dapat memberikan sumbangan pemikiran yang berharga dalam dunia pendidikan dan khususnya bagi saya sebagai penyusun makalah ini Oleh karena itu penyusun mengharapkan segala kritik dan saran yang bersifat membangun bagi penyusun Bandung April 201 6 Penyusun DAFTAR ISI KATA PENGANTAR i DAFTAR ISI ii BAB I PENDAHULUAN A Latar Belakan g Masalah 1 B Rumusan Masalah 1 C Tujuan Penulisan 2 BAB II PEMBAHASAN A Sejarah Obligasi 3 B Pengertian Obligasi 5 C Jenis-jenis Obligasi 14 D Karakteristik Obligasi 34 E Risiko Obligasi 37 F Pihak-pihak yang Terlibat dalam Penerbitan Obligasi 40 G Struktur Obligasi Syariah 42 H Obligasi sebagai Sumber Pendanaan dalam Perusahaan 45 I Soal Latihan Obligasi 47 BAB III SIMPULAN 50 DAFTAR PUSTAKA 51 BAB I PENDAHULUAN A Latar Belakang Masalah Obligasi atau Bonds adalah surat utang jangka panjang yang memiliki kewajiban membayar bunga pinjaman secara periodik dan mengembalikan pinjaman pokoknya pada waktu jatuh tempo Sebagai surat utang penerbitan obligasi melibatkan perjanjian kontra yang meningkat antara pihak penerbit issure dengan pihak Pembeli Pinjaman/investor/ bondbolder Obligasi sebelum diperdagangkan harus mengikuti proses pemeringkatan Pemeringkatan terhadap obligasi akan diterbitkan bertujuan untuk menilai kinerja perusahaan Surat berharga obligasi merupakan instrument utang bagi perusahaan yang hendak memperoleh modal Keuntungan dari membeli obligasi diwujudkan dalam bentuk kupon Berbeda dengan saham maka obligasi tidak mempunyai hak terhadap manajemen dan kekayaan Obligasi terdiri atas dua macam yakni obligasi konvensional dan obligasi syariah B Rumusan Masalah Berdasarkan latar belakang masalah di atas maka dapat dirumuskan masalah sebagai berikut: 1 Bagaimana sejarah munculnya obligasi 2 Apa pengertian obligasi 3 Apa saja jenis-jenis obligasi 4 Apa karakteristik obligasi 5 Bagaimana risiko obligasi 6 Siapa saja pihak-pihak yang terlibat dalam penerbitan obligasi 7 Bagaimana struktur obligasi 8 Bagaimana peran obligasi dalam perusahaan 9 Bagaimana soal latihan obligasi C Tujuan Penulisan Berdasarkan latar rumusan masalah di atas maka dapat dirumuskan tujuan masalah sebagai berikut: 1 Mahasiswa mampu mendeskripsikan tentang sejarah obligasi 2 Mahasiswa dapat mendeskripsikan tentang pengertian obligasi 3 Mahasiswa mampu mendeskripsikan tantang jenis-jenis obligasi 4 Mahasiswa dapat mendeskripsikan tentang karakteristik obligasi 5 Mahasiswa mampu mendeskripsikan tentang risiko obligasi 6 Mahasiswa mampu mendeskripsikan tentang pihak-pihak yang terlibat dalam penerbitan obligasi 7 Mahasiswa mampu mendeskripsikan tentang struktur obligasi 8 Mahasiswa mampu mendeskripsikan tentang obligasi sebagai sumber pendanaan dalam perusahan 9 Mahasiswa mampu mendeskripsikan tentang soal penghitungan obligasi BAB II PEMBAHASAN A Sejarah Obligasi Ketika Perang Dunia I pecah dana yang dimiliki pemerintah Amerika Serikat AS tidak seperti saat ini Kenyataannya jumlah dana yang tersedia saat itu tidak mampu menutup semua biaya perang yang diperlukan Perdebatan tentang biaya perang ini langsung menjadi isu topik dan permasalahan nasional Menghadapi situasi ini pemerintah AS memanfaatkan kendalinya atas uang rakyat Pemerintah AS menaikkan pajak warganya untuk mencukupi kekurangan biaya perang Tiga tahun setelah Perang Dunia I selesai tepatnya pada tahun 1917 pemerintah AS menemukan cara yang lebih mudah sekaligus menjadi solusi alternatif untuk menutupi hutang negara di tahun berikutnya dan juga untuk menyokong pertumbuhan ekonomi AS Solusi alternatif ini disebut Liberty Bond atau Obligasi Liberty yang telah membebaskan AS dari krisis keuangan Liberty Bond diterapkan pemerintah AS untuk mendapatkan uang lebih untuk menutupi defisit negara Caranya Obligasi tersebut dijual kepada warga negara Amerika dengan iming – iming premis atau imbalan yang tinggi Sungguh mengejutkan dalam waktu singkat pemerintah AS berhasil mengumpulkan dana yang begitu besar dari hasil penjualan obligasi ini Besarnya pajak yang berhasil dikumpulkan mampu mencegah terjadinya krisis keuangan akibat defisit anggaran negara Semakin lama penjualan obligasi menjadi semakin banyak dan membesar Tak ayal lagi surat utang yang disebut Obligasi Liberty itu pun semakin dikenal masyarakat luas Di bawah ini adalah salah satu contoh iklan yang digunakan pemerintah AS untuk mendorong masyarakat membeli obligasi Liberty Obligasi secara ringkasnya adalah utang tetapi dalam bentuk sekuriti Penerbit obligasi adalah sipeminjam atau debitur sedangkan pemegang obligasi adalah pemberi pinjaman atau kreditur dan kupon obligasi adalah bunga pinjaman yang harus dibayar oleh debitur kepada kreditur Dengan penerbitan obligasi ini maka dimungkinkan bagi penerbit obligasi guna memperoleh pembiayaan investasi jangka panjangnya dengan sumber dana dari luar perusahaan Faktor keamanan investasi inilah yang sangat penting untuk dipahami Sederhananya meskipun dunia berada dalam kekacauan akibat perang dan masih adanya kemungkinan pemerintah AS tidak mampu mengembalikan uang rakyat yang telah membeli obligasi investasi ini menawarkan tempat investasi yang tidak hanya aman tetapi juga memiliki resiko yang sangat kecil Dan memang benar setelah perang usai Departemen Keuangan AS tidak mampu membiayai Obligasi Liberty yang telah dibeli oleh masyarakat Untuk mengatasinya pemerintah AS mengeluarkan obligasi yang baru Hingga saat ini obligasi diciptakan terus menerus untuk membiayai investasi dari nasabah Karena pemerintah tidak mampu lagi membiayai maka solusi yang diambil adalah dengan memproduksi uang sebanyak mungkin tanpa menggunakan jaminan emas atau benda berharga lainnya Dengan kata lain pemerintah AS mencetak uang kertas sebagai alat pembayaran obligasi nasabahnya tanpa satu jaminan pun Dapat dibayangkan hal ini membawa akibat buruk bagi masa depan negara Amerika Serikat Memang benar negara dapat menciptakan banyak uang untuk membayar investasi dari pembelian obligasi dan dari situlah muncul problem baru yang harus dihadapi pemerintah B Pengertian Obligasi Obligasi atau Bonds adalah surat utang jangka panjang yang memiliki kewajiban membayar bunga pinjaman secara periodik dan mengembalikan pinjaman pokoknya pada waktu jatuh tempo Par value atau Maturity value adalah jumlah dana yang harus dibayar penerbit pada waktu jatuh tempo Kupon bunga coupon rate adalah suku bunga obligasi dan biasanya merupakan suku bunga tetap selama masa pinjaman Bila penerbit obligasi tidak dapat memenuhi pembayaran pada waktu jatuh tempo maka pemegang obligasi bondholders memiliki klaim atas asset penerbit Obligasi merupakan suarat utang dari suatu lembaga atau perusahaan yang dijual kepada investor untuk mendapatkan dana segar Obligasi memiliki beberapa karakteristik: 1 Surat berharga yang mempunyai kekuatan hukum 2 Memiliki jangka waktu tertentu atau masa jatuh tempo 3 Memberikan pendapatan tetap secara periodik 4 Ada nilai nominal yang disebut juga nilai pari par vaule stated value atau nilai kopur Besarnya persentase pembayaran yang diberikan secara periodik atas pembayaran persentase Tertentu didasarkan atas dasar nominalnya atau disebut pembayaran kupon cupon Kupon merupakan penghasilan bunga obligasi yang didasarkan atas nilai nominal yang dilakukan berdasarkan paejanjian biasanya setiap tahun atau setiap semester atau triwulan Penentuan tingkat kupon obligasi bisa ditetntukan tingkat bunga komersial yang sedang berlaku setelah obligasi memasuki masa jatuh tempo maturity date pemilik obligasi akan menerima pokok pinjaman dan satu kali pembayaran kupon Besarnya pelunasan obligasi oleh penerbit saat jatuh tempo akan ekuivalen dengan harganya Sebagai surat utang penerbitan obligasi melibatkan perjanjian kontra yang meningkat antara pihak penerbit issure dengan pihak Pembeli Pinjaman/investor/ bondbolder Kontrak perjanjian yang mengikat antara penerbit dengan pihak pemberi pi n jaman sebagai investor minimal harus berisi empat hal 1 Besarnya tingkat kupon serta periode pembayaranya 2 Jangka waktu jatuh tempo 3 Besarnya nominal dan 4 Jenis obligasi Obligasi sebelum diperdagangkan harus mengikuti proses pemeringkatan Pemeringkatan terhadap obligasi akan diterbitkan bertujuan untuk menilai kinerja perusahaan Surat berharga obligasi merupakan instrument utang bagi perusahaan yang hendak memperoleh modal Keuntungan dari membeli obligasi diwujudkan dalam bentuk kupon Berbeda dengan saham maka obligasi tidak mempunyai hak terhadap manajemen dan kekayaan Artinya perusahaan yang mengeluarkan obligasi hanya mengakui mempunyai utang kepada si pemegang obligasi sebesar obligasi yang dimilikinya Oleh karena itu dalam struktur modal perusahaan yang terlihat dalam neraca obligasi dimasukkan dalam modal asing atau utang jangka panjang Utang ini akan dilunasi apabila telah sampai waktunya Obligasi adalah surat berharga atau pun sertifikat yang berisi kontrak antara pemberi pinjaman dengan penerima pinjaman Surat obligasi adalah selembar kertas yang menyatakan bahwa pemilik kertas tersebut memberikan pinjaman kepada perusahaan yang menerbitkan obligasi Pada dasarnya memiliki obligasi sama persis dengan memiliki deposito berjangka Hanya saja obligasi dapat diperdagangkan Obligasi memberikan penghasilan yang tetap yaitu berupa bunga yang dibayarkan dengan jumlah yang tetap pada waktu yang telah ditetapkan Obligasi juga memberikan kemungkinan untuk mendapatkan capital gain yaitu selisih antara harga penjualan dengan harga pembelian Kesulitan untuk menentukan penghasilan obligasi disebabkan oleh sulitnya memperkirakan perkembangan suku bunga Apabila suku bunga bank menunjukkan kecenderungan meningkat pemegang obligasi akan menderita kerugian Pada beberapa negara istilah obligasi dan surat utang dipergunakan tergantung pada jangka waktu jatuh temponya Pelaku pasar biasanya menggunakan istilah obligasi untuk penerbitan surat utang dalam jumlah besar yang ditawarkan secara luas kepada publik dan istilah surat utang digunakan bagi penerbitan surat utang dalam skala kecil yang biasanya ditawarkan kepada sejmlah kecil investor Tidak ada pembatasan yang jelas atas penggunaan istilah ini Ada juga dikenal istilah surat perbendaharaan yang digunakan bagi sekuriti berpenghasilan tetap dengan masa jatuh tempo 3 tahun atau kurang Obligasi memiliki risiko yang tertinggi dibandingkan dengan surat utang yang memiliki risiko menengah dan surat perbendaharaan yang memiliko risiko terendah yang mana dilihat dari sisi durasi surat utang di mana makin pendek durasinya memiliki risiko makin rendah Obligasi dan saham keduanya adalah instrumen keuangan yang disebut sekuriti namun bedanya adalah bahwa pemilik saham adalah bagian dari pemilik perusahan penerbit saham sedangkan pemegang obligasi adalah semata merupakan pemberi pinjaman atau kreditur kepada penerbit obligasi Obligasi juga biasanya memiliki suatu jangja waktu yang ditetapkan di mana setelah jangka waktu tersebut tiba maka obligasi dapat diuangkan sedangkan saham dapat dimiliki selamanya terkecuali pada obligasi yang diterbitkan oleh pemerintah Inggris yang disebut gilts yang tidak memiliki jangka waktu jatuh tempo Penerbit obligasi ini sangat luas sekali hampir setiap badan hukum dapat menerbitkan obligasi namun peraturan yang mengatur mengenai tata cara penerbitan obligasi ini sangat ketat sekali Penggolongan penerbit obligasi biasanya terdiri atas: Lembaga supranasional seperti misalnya Bank Investasi Eropa European Investment Bank atau Bank Pembangunan Asia Asian Development Bank Pemerintah suatu negara menerbitkan obligasi pemerintah dalam mata uang negaranya maupun Obligasi pemerintah dalam denominasi valuta asing yang biasa disebut dengan obligasi internasional sovereign bond Sub-sovereign propinsi negara atau otoritas daerah Di Amerika dikenal sebagai Obligasi daerah municipal bond Di Indonesia dikenal sebagai Surat Utang Negara SUN Lembaga pemerintah Obligasi ini biasa juga disebut agency bonds atau agencies Perusahaan yang menerbitkan obligasi swasta Special purpose vehicles adalah perusahaan yang didirikan dengan suatu tujuan khusus guna menguasai aset tertentu yang ditujukan guna penerbitan suatu obligasi yang biasa disebut Efek Beragun AsetProses penerbitan obligasi : Proses yang umum dikenal dalam penerbitan suatu obligasi adalah melalui penjamin emisi atau juga dikenal dengan istilah underwriting Dalam penjaminan emisi satu atau lebih perusahaan sekuritas akan membentuk suatu sindikasi guna membeli seluruh obligasi yang diterbitkan oleh penerbit dan menjualnya kembali kepada para investor Pada penjualan obligasi pemerintah biasanya melalui proses lelang Fitur yang terpenting dalam suatu obligasi adalah : Nilai nominal atau nilai utang pokok yaitu nilai yang harus dibayar bunganya oleh penerbit dan harus dilunasi pada saat akhir masa jatuh tempo Harga penerbitan yaitu suatu harga yang ditawarkan kepada investor pada saat penjualan perdana obligasi Nilai bersih yang diterima oleh penerbit adalah setelah dikurangi dengan biaya-biaya penerbitan Tanggal jatuh tempo yaitu suatu tanggal yang ditetapkan di mana pada saat tersebut penerbit wajib untuk melunasi nilai nominal obligasi Sepanjang pembayaran kembali / pelunasan tersebut telah dilakukan maka penerbit tidak lagi memiliki kewajiban kepada pemegang obligasi setelah lewat tanggal jatuh tempo obligasi tersebut Beberapa obligasi diterbitkan dengan masa jatuh tempo hinga lebih dari seratus tahun Pada awal tahun 2005 pasar atas obligasi euro dengan masa jatuh tempo selama 50 tahun mulai berkembang Pada pasaran Amerika dikenal 3 kelompok masa jatuh tempo obligasi yaitu Jangka pendek surat utang atau bill: yang masa jatuh temponya hingga 1 tahun Medium Term Note: masa jatuh temponya antara 1 hingga 10 tahun Jangka panjang obligasi atau bond: jatuh temponya di atas 10 tahun Kupon suku bunga yang dibayarkan oleh penerbit kepada pemegang obligasi Biasanya suku bunga ini memeiliki besaran yang tetap sepanjang masa berlakunya obligasi tetapi juga bisa mengacu kepada suatu indeks pasar uang seperti LIBOR dan lain-lain Istilah kupon ini asal mulanya digunakan karena dimasa lalu secara fisik obligasi diterbitkan bersama dengan kupon bunga yang melekat pada obligasi tersebut Pada tanggal pembayaran kupon pemegang obligasi akan menyerahkan kupon tersebut ke bank guna ditukarkan dengan pembayaran bunga bank pemabagian hasil terhadap bank atas 20 pajk utang Tanggal kupon tanggal pembayaran bunga dari penerbit kepada pemegang obligasi Di Amerika kebanyakan pembayaran kupon obligasi dilakukan secara tengah tahunan yang artinya pembayaran kupon dilakukan setiap 6 bulan sekali Di Eropa kebanyakan obligasi adalah secara tahunan atau 1 kupon pertahun Dokumen resmi suatu dokumen yang menjelaskan secara terinci hak-hak dari pemegang saham Di Amerika ketentuan ini diatur oleh departemen keuangan pemerintah dan undang-undang komersial di mana dokumen ini di hadapan pengadilan diperlakukan sebagai suatu kontrak Ketentuan dalam dokumen resmi tersebut sulit sekali diubah di mana perubahan hanya dapat dilakukan atas persetujuan mayoritas pemegang obligasi Hak opsi: suatu obligasi dapat memuat ketentuan mengenai hak opsi kepada pembeli obligasi ataupun penerbit obligasi Hak pelunasan beberapa obligasi memberikan hak kepada penerbit untuk melunasi obligasi tersebut sebelum masa jatuh tempo obligasi Obligasi jenis ini dikenal sebagai obligasi opsi beli Kebanyakan obligasi jenis ini memberikan hak kepada penerbit untuk melakukan pelunasan obligasi pada nilai pari Pada beberapa obligasi mengharuskan penerbit untuk membayar premi yang disebut premi opsi Ini utamanya digunakan bagi obligasi berbunga tinggi Pada obligasi jenis ini terdapat banyak sekali persyaratan yang ketat yang membatasi kegiatan operasional penerbit maka guna membebaskan penerbit dari pembatasan-pembatasan dilakukanlah pelunasan dini atas obligasi tersebut namun dengan biaya yang lebih tinggi Hak jual beberapa obligasi memberikan hak kepada pemegang obligasi untuk memaksa penerbit melakukan pelunasan awal atas obligasinya sebelum masa jatuh tempo lihat opsi jual Tanggal pelaksanaan opsi adalah tanggal dimaka opsi beli atau opsi jual dapat dilaksanakan sebelum masa jatuh tempo obligasi di mana pada umumnya terdapat 4 cara pelaksanaan opsi yang demikian ini yaitu : a Gaya Bermuda memiliki beberapa tanggal pelaksanaan yang biasanya disesuaiakan dengan tanggal kupon b Gaya Eropa hanya memiliki satu tanggal pelaksanaan ini merupakan kasus khusus gaya Bermuda c Gaya Amerika opsi dapat dilaksanakan setiap saat hingga masa jatuh tempo Penjualan karena kematian adalah opsi yang diberikan kepada ahli waris pemegang opsi untuk menjual kembali obligasinya kepada penerbit dalam hal terjadinya kematian pada pemegang obligasi atau menderita cacat tetap Dana jaminan atau yang juga dikenal dengan istilah sinking fund adalah suatu syarat dalam dokumen resmi yang mensyaratkan adanya suatu porsi tertentu dari obligasi yang dapat dicairkan berkala Penerbit juga dapat membayar kepada wali amanat yaitu dengan cara melakukan pembelian secara acak atas obligasi yang diterbitkannya atau pilihan lainnya dengan membeli obligasi di pasaran lalu menyerahkannya kepada wali amanat Obligasi konversi adalah obligasi yang mengizinkan pemegang obligasi untuk menukarkan obligasi yang dipegangnya dengan sejumlah saham perusahaan penerbit Obligasi tukar atau dikenal juga dengan nama Exchangeable bond XB yang memperkenankan pemegang obligasi untuk menukarkan obligasi yang dipegangnya dengan saham perusahaan selain daripada saham perusahaan penerbit biasanya dengan saham anak perusahaan penerbit Di samping menghadapi risiko perkembangan suku bunga yang sulit dipantau pemegang obligasi juga menghadapi risiko kapabilitas capabilities risk yaitu pelunasan sebelum jatuh tempo Sebelum obligasi ditawarkan di pasar terlebih dulu dibuat peringkat rating oleh badan yang mempunyai wewenang Rating tersebut disebut sebagai credit rating yang merupakan skala risiko dari semua obligasi yang diperdagangkan Skala ini menunjukkan seberapa aman suatu obligasi bagi pemodal Keamanan ini ditunjukkan dengan kemampuannya untuk membayar bunga dan melunasi pokok pinjaman Salah satu varian produk obligasi adalah obligasi konversi Obligasi konversi sekilas tidak ada bedanya dengan obligasi biasa misalnya memberikan kupon yang tetap memiliki jatuh tempo dan memiliki nilai nominal atau nilai pari var value Hanya saja obligasi konversi memiliki keunikan yaitu dapat ditukar dengan saham biasa Pada obligasi konversi selalu tercantum persyaratan untuk melakukan konversi Misalnya setiap obligasi konversi bisa dikonversi menjadi 3 saham biasa setelah 1 Januari 2005 dengan harga konversi yang telah ditetapkan sebelumnya Sama dengan alat investasi yang lainnya obligasi konversi tidak ubahnya dengan menabung Bedanya surat tanda menabung tidak dapat diperjualbelikan sedangkan obligasi konversi dapat diperjualbelikan Pilihan terhadap alat investasi ini karena kemampuannya memberikan penghasilan optimal sebab obligasi konversi bisa digunakan sebagai obligasi atau saham Apabila suku bunga yang ditawarkan obligasi konversi lebih tinggi dari suku bunga bank atau perusahaan tidak membagikan dividen yang besar maka pemegang obligasi konversi tidak perlu mengonversikan obligasi konversinya Bila diperkirakan emiten berhasil mendapatkan laba yang tinggi sehingga mampu membagi dividen yang lebih besar daripada bunga obligasi konversi pemegang obligasi konversi lebih baik mengonversi obligasinya menjadi saham untuk mendapatkan dividen Imbalan yang dapat diperoleh pemegang obligasi konversi dapat terdiri dari bunga bila mempertahankan sebagai obligasi dividen bila melakukan konversi capital gain bila berhasil menjual obligasinya dengan harga lebih tinggi daripada harga perolehannya atau mendapatkan diskon saat membeli Capital gain juga bisa didapat jika pemegang obligasi konversi melakukan konversi kemudian berhasil menjual saham tersebut di atas harga perolehannya C Jenis Obligasi Beberapa perusahaan bank pemerintah dan lembaga berwenang lainnya dapat menerbitkan obligasi dalam denominasi mata uang valuta asing lainnya yang tampak lebih stabil dibandingkan mata uang domestiknya Penerbitan obligasi dalam denominasi valuta asing ini juga memberikan kemungkinan bagi penerbit obligasi ini memasuki pasar perdagangan obligasi di luar negaranya Penerbitan obligasi ini juga sering digunakan sebagai suatu sarana lindung nilai terhadap risiko gejolak perubahan nilai tukar Beberapa obligasi ini dijuluki dengan nama panggilan yang khas seperti terlihat di bawah ini : Obligasi Eurodollar atau Eurodollar bond Obligasi berdenominasi USD yang diterbitkan oleh penerbit obligasi dari suatu negara di luar Amerika Obligasi Kangguru atau Kangaroo bondadalah obligasi dalam denominasi mata uang dolar Australia AUD yang diterbitkan oleh penerbit obligasi dari suatu negara di luar Australia dan diperdagangkan pada pasar Australia Obligasi Maple atau Maple bond adalah obligasi dalam denominasi mata uang dolar Kanada yang diterbitkan oleh penerbit obligasi dari suatu negara di luar Kanada dan diperdagangkan pada pasar Kanada Obligasi Samurai atau Samurai bond adalah obligasi dalam denominasi mata uang yen yang diterbitkan oleh penerbit obligasi dari suatu negara di luar Jepang dan diperdagangkan pada pasar Jepang Obligasi Yankee atau Yankee bond adalah obligasi dalam denominasi mata uang USD yang diterbitkan oleh penerbit obligasi dari suatu negara di luar Amerika dan diperdagangkan pada pasar Amerika Obligasi Shogun atau Shogun bond adalah obligasi dalam denominasi mata uang dolar yen yang diterbitkan di Jepang oleh penerbit obligasi dari suatu negara di luar Jepang Bulldog bond adalah obligasi dalam denominasi mata uang poundsterling yang diterbitkan di London oleh suatu lembaga atau pemerintahan asing Pinjaman Ninja atau Ninja loan suatu pinjaman sindikasi dalam denominasi mata uang yen oleh kreditur asing Obligasi Formosa atau Formosa bond adalah obligasi dalam denominasi mata uang dolar baru Taiwan yang diterbitkan oleh penerbit obligasi dari suatu negara di luar Taiwan dan diperdagangkan pada pasar Taiwan Obligasi Panda atau Panda bond adalah obligasi dalam denominasi mata uang renminbi RMB yang diterbitkan oleh penerbit obligasi dari suatu negara di luar RRT dan diperdagangkan pada pasar Cina Ada dua jenis pasar obligasi yaitu: 1 Pasar Primer Merupakan tempat diperdagangkannya obligasi saat mulai diterbitkan Salah satu persyaratan ketentuan Pasar Modal obligasi harus dicatatkan di bursa efek untuk dapat ditawarkan kepada masyarakat dalam hal ini lazimnya adalah di Bursa Efek Surabaya BES sekarang Bursa Efek Indonesia BEI 2 Pasar Sekunder Merupakan tempat diperdagangkannya obligasi setelah diterbitkan dan tercarat di BES perdagangan obligasi akan dilakukan di Pasar Sekunder Pada saat ini perdagangan akan dilakukan secara Over the Counter OTC Artinya tidak ada tempat perdagangan secara fisik Pemegang obligasi serta pihak yang ingin membelinya akan berinteraksi dengan bantuan perangkat elektronik seperti email online trading atau telepon Sebagai fatwa Dewan Syariah Nasional DSN No 32/DSN-MUI/IX/2002 obligasi syariah adalah suatu surat berharga jangka panjang berdasarkan prinsip syariah yang dikeluarkan emiten kepada pemegang obligasi syariah yang mewajibkan emiten untuk membayar pendapatan kepada pemegang obligasi syariah berupa bagi hasil/margin/fee serta membayar kembali dana obligasi pada saat jatuh tempo Obligasi syariah bukan merupakan utang berbunga tetap tetapi lebih merupakan penyerta dana yang didasarkan pada prinsip bagi hasil Transaksinya bukan akad utang-piutang melainkan pernyataan Obligasi sejenis ini lazim dinamakan muqaradhah bond dimana merupakan nama lain dari mudharabah Dalam bentuknya yang sederhana obligasi syariah diterbitkan oleh sebuah perusahaan atau emiten sebagai pengelola atau mudharib dan dibeli oleh investor atau shahib maal Dana yang terhimpun disalurkan untuk mengembangkan usaha lama atau pembangunan suatu unit baru yang benar-benar berbeda dari usaha lama Bentuk alokasi dana yang khusus specially dedicated dalam syariah di kenal dengan istilah mudharabah muqayyadah Atas penyertaannya inversot berhak mendapatkan nisbah keuntungan tertentu yang dihitung secara proporsional dan dibayarkan secara periodik Berdasarkan pengertian dan karakteristik obligasi syariah yang telah diapaparkan maka dapat diketahui bahwa obligasi syariah berbeda dengan konsep obligasi konvensional yang sudah dikenal di kalangan praktisi dan masyarakat pada umumnya Menurut Magginson 1997 obligasi adalah instrumen hutang jangka panjang yang digunakan oleh perusahaan atas pemerintah untuk meningkatkan uang modal khusus dari sekelompok pemberi pinjaman yang berbeda Kebanyakan obligasi membayar bunga secara semesteran tiap enam bulan pada tingkat bunga kupon yang telah ditentukan memiliki jatuh tempo awal 10 sampai 30 tahun Dan par value nilai nominal yang harus dibayar kembali pada saat jatuh tempo Menurut definisi dari Bursa Efek Indonesia obligasi merupakan surat utang jangka menengah-panjang yang dapat dipindahtangankan yang berisi janji dari pihak yang menerbitkan untuk membayar imbalan berupa bunga pada periode tertentu dan melunasi pokok hutang pada waktu yang telah ditentukan kepada pihak pembeli obligasi tersebut Obligasi ini merupakan fixed income security yang memberikan bunga kepada pemegangnya sebagai pendapatan bondholder Hal ini sangat berbeda dengan karakteristik obligasi syariah yang tidak mendasar pada bunga tetapi pada bagi hasil/margin/fee Selain itu ada beberapa hal lain yang membedakan antara obligasi syariah dengan obligasi konvensional diantaranya tentang syarat adanya underlying asset dalam penerbitan Perbedaan antara obligasi syariah obligasi konvensional dan saham menurut Adam amp Thomas 2004 adalah sebagai berikut: Perbedaan antara Obligasi Syariah dan Obligasi Konvensional Instrumen Obligasi Syariah sukuk Obligasi Sifat Bukan merupakan hutang bagi penerbitnya tetapi merupakan lembar saham kepemilikan atas asset/ proyek/jasa spesifik yang tidak dibagikan Hutang bagi penerbitnya Nilai buku asset Minimum 51 asset berwujud tangible asset pada kontrak mereka disyaratkan untuk menyokong penerbitan sukuk al-ijarah Secara umum tidak mensyaratkan Tuntutan claim Pemilik menuntut atas asset/proyek/jasa yang dijaminkan dan lain-lain Kreditor menuntut atas peminjaman hutang dan pada beberapa kasus menerapkan hokum gadai atas asset Keamanan Keamanan dijamin oleh hak kepemilikan atas asset atau proyek yang dijaminkan Dalam penjaminan asset atau proyek selain bentuk-bentuk peningkatan jaminan yang telah ditentukan Secara umum obligasi tidak aman kecuali pada kasus seperti firs mortgage bond obligasi yang dijamin dengan properti equipment trust certificates obligasi yang dijamin dengan asset tertentu dan lain-lain Prinsip dan pengembalian return Tidak dijamin oleh penerbit Dijamin oleh penerbit Tujuan Harus diterbitkan hanya untuk tujuan halal secara Islami Dapat diterbitkan untuk beberapa tujuan Perdagangan Sekuritas Penjualan atas minat kepemilikan pada asset/proyek/jasa yang spesifik dan lain-lain Penjualan atas intrumen hutang Tanggung jawab pemegang/pemilik Tanggung jawab untuk kewajiban yang telah ditentukan berkaitan dengan asset/proyek/transaksi yang dijaminkan terbatas pada partisipasi dalam penerbitan Bondhoder / pemegang obligasi tidak bertanggungjawab atas kondisi keuangan penerbit Obligasi yang dikeluarkan oleh emiten juga beragam jenisnya tergantung keinginan dari emiten itu sendiri Jenis-jenis obligasi seperti halnya saham dapat dilihat dari berbagai segi sebagai berikut: 1 Ditinjau dari segi peralihan a Obligasi atas unjuk bearer bonds Obligasi atas unjuk adalah obligasi yang tidak tercantum nama pemiliknya dan dapat ditransfer dari satu pemilik ke pemilik lain cukup melalui penyerahan saja b Obligasi atas nama registered bonds Obligasi atas nama yang harus diperjualbelikan melalui bursa efek 2 Ditinjau dari segi cara penetapan dan pembayaran bunga dan pokok a Obligasi dengan bunga tetap Bunga pada obligasi ini ditetapkan pada awal penjualan obligasi dan tidak berubah sampai dengan jatuh tempo b Obligasi dengan bunga tidak tetap mengambang Bunga pada obligasi ini ditetapkan pada waktu pertama kali untuk kupon pertama sedangkan pada waktu jatuh tempo kupon pertama akan ditentukan tingkat bunga untuk kupon berikutnya demikian seterusnya Biasanya obligasi dengan bunga mengambang ini ditentukan relatif terhadap suatu patokan suku bunga misalnya 1 di atas JIBOR Jakarta Inter Bank Offering Rate 15 di atas LIBOR London Inter Bank Offering Rate c Obligasi tanpa bunga Obligasi tanpa bunga atau biasa dikenal dengan nama Zero coupon bonds adalah suatu obligasi yang tidak memberikan pembayaran bunga secara berkala atau tanpa kupon sebagaimana obligasi pada umumnya Obligasi ini diperdagangkan dengan menggunakan harga diskonto dari nilai pari Pemegang obligasi berhak untuk menerima pembayaran secara penuh pada saat yang telah ditentukan pada masa jatuh tempo obligasi Investor menerima keuntungan bunga berupa selisih antara harga diskonto dan nilai pari obligasi saat jatuh tempo 3 Ditinjau dari segi penerbit a Obligasi oleh pemerintah Obligasi pemerintah atau biasa juga disebut government bond adalah suatu obligasi yang diterbitkan oleh pemerintahan suatu negara dalam denominasi mata uang negara tersebut Obligasi pemerintah dalam denominasi valuta asing biasa disebut dengan obligasi internasional sovereign bond b Obligasi oleh swasta Obligasi swasta atau obligasi perusahaan yang dalam istilah asing dikenal sebagai corporate bond adalah suatu istilah yang digunakan bagi instrumen utang jangka panjang yang pada umumnya berjangka waktu sekurangnya 1 tahun sejak tanggal penerbitannya Istilah surat berharga komersial atau commercial paper kadangkala digunakan bagi instrumen utang dengan jangka waktu jatuh tempo yang lebih pendek Kadangkala istilah obligasi swasta digunakan bagi seluruh obligasi yang diterbitkan oleh lembaga non pemerintah dalam denominasi mata uang setempat Namun secara tegas istilah ini hanya digunakan bagi obligasi yang diterbitkan oleh perusahaan Obligasi yang diterbitkan oleh penguasa setempat dan organisasi supranasional tidak termasuk dalam kategori ini Obligasi swasta ini seringkali terdaftar pada bursa efek dan Jaringan komunikasi elektronik Electronic communication network – ECN seperti Market Axess dan kupon obligasi biasanya tidak dikenai pajak Kadangkala pula obligasi ini diterbitkan dengan tanpa kupon bunga namun dengan nilai pencairan obligasi yang tinggi sekali dibandingkan dengan nilai jualnya Walaupun obligasi ini terdaftar di pasar modal namun perdagangan terbesar dari obligasi ini yang paling berkembang dibeberapa pasar perdagangan adalah terpusat pada suatu pasar tertentu atau pialang tertentu dan sering pula dilakukan perdagangan di luar bursa over the counter Beberapa obligasi swasta diterbitkan dengan memiliki unsur opsi beli yang memberikan hak kepada penerbit obligasi untuk melunasi / menebus obligasinya sebelum tanggal jatuh tempo yang tercantum Dan pada obligasi konversi dapat pula dikonversikan dengan saham perusahaan tersebut 4 Ditinjau dari segi jatuh tempo a Obligasi jangka pendek b Obligasi jangka menengah c Obligasi jangka panjang Di Amerika obligasi dibedakan menjadi beberapa jenis yaitu Treasury bond obligasi pemerintah pusat Municipal bond obligasi pemerintah negara bagian dan Corporate bond obligasi perusahaan swasta Namun di Indonesia hanya dikenal dua jenis obligasi yaitu obligasi negara dan obligasi korporasi 1 Treasury Bond Pemerintah dalam hal ini Treasury department di Indonesia disebut dengan kantor kas dan pendapatan negara atau Departemen Keuangan dapat meminjam dana jangka panjang dari masyarakat dengan menerbitkan treasury note yang memiliki waktu jatuh tempo satu sampai 10 tahun atau treasury bond yang memiliki waktu jatuh tempo 10 sampai 30 tahun Ingat kembali bahwa surat utang pemerintah jangka pendek yang memiliki waktu jatuh tempo kurang dari satu tahun disebut treasury bills Surat utang jangka panjang pemerintah pusat bebas dari risiko default free of default risk karena pemerintah pasti mengembalikan utangnya Hal itu dimungkinkan karena pemerintah pusat memiliki hak untuk mencetak uang untuk membiayai utangnya bila diperlukan Akan tetapi hal itu tidak berarti bahwa sekuritas tersebut tidak berisiko risk-free Investor masih menghadapi risiko naiknya suku bunga yang akan membuat nilai atau harga sekuritas tersebut menurun ingat bahwa harga obligasi berbanding terbalik dengan suku bunga Karena treasury bond tidak memiliki risiko default sekuritas tersebut memberikan suku bunga yang sangat rendah Meskipun demikian suku bunga rata-ratanya masih diatas rata-rata suku bunga pasar uang yang merupakan instrumen jangka pendek Pada tahun 1985 departemen keuangan mulai menerbitkan sekuritas dengan system book entry transaksi dilakukan melalui media elektronik tanpa dokumen dimana pembayaran suku bunga secara periodik dibedakan dari pembayaran kembali pinjaman pokok yang disebut Separate Trading of Registered Interest and Principal Securities STRIPS Dengan memiliki sekuritas tersebut investor biasanya lembaga penyimpanan dapat menjualnya kembali secara terpisah pinjaman pokoknya saja atau suku bunganya saja Sebelumnya pada tahun 1982 sektor swasta sudah menciptakan sekuritas yang mirip disebut Treasury Investment Growth Funds yaitu dengan membeli sekuritas treasury dengan pembayaran kupon secara periodik disebut coupon bond kemudian memecahnya menjadi sekuritas baru yaitu obligasi tanpa pembayaran kupon disebut zero-coupon bond Swasta dan pemerintah menciptakan sekuritas tersebut memecah sekuritas untuk meningkatkan keuntungan dengan menjawab kebutuhan investor yang ingin menghindari risiko reinvestasi reinvestmenr risk Bagi investor meskipun obligasi memberikan bunga tetap investasi tersebut mengandung risiko ketidakpastian pengembalian Risiko itu muncul karena pembayaran kupon bunga obligasi selama periode investasi misalnya sepuluh tahun harus diinvestasikan kembali Reinvestasi mengandung risiko karena suku bunga yang berlaku pada saat reinvestasi tidak dapat dipastikan berfluktuasi sehingga tingkat pengembalian obligasi secara keseluruhan juga berfluktuasi Sebaliknya tingkat pengembalian dari zero coupon bond tanpa pembayaran kupon bunga dapat diketahui pada awal pembelian obligasi sehingga tidak terdapat risiko reinvestasi reinvestment risk Dengan demikian investor bersedia menerima suku bunga yang lebih rendah dibandingkan jenis obligasi dengan pembayaran kupon Dengan melakukan pemecahan treasury coupon bond menjadi treasury strip tanpa pembayaran kupon zero coupon bond maka investor dapat menghindari reinvestment risk dan penerbit obligasi dapat meningkatkan keuntungannya Sebagai contoh sebuah bank membeli treasury dengan nilai 1juta dengan kupon sebesar 10 selama periode 10 tahun dan dijual pada harga par pada waktu jatuh tempo Pembayaran kupon cash payment dari obligasi tersebut tertera dalam tabel nanti Bank tersebut kemudian membuat sekuritas baru dengan memecah strip obligasi tersebut menjadi sepuluh zero coupon bond masing-masing seharga 100000 dengan suku bunga lebih rendah misalnya 975 Untuk memudahkan perhitungan suku bunga pasar untuk mengukur present value dari pembayaran kupon diasumsikan sama Dengan menghitung present value dari zero coupon bond diperoleh nilai 1015528 yang lebih besar dari harga beli treasury coupon bond sebesar 1juta Apabila biaya menerbitkan sekuritas baru tersebut yaitu jika bank mengumpulkan pembayaran treasury coupun bond kemudian meneruskannya pass them through kepada pemegang zero coupon strip lebih rendah dari 15528 maka bank akan memperoleh keuntungan 2 Municipal Bond Municipal Bond adalah surat utang jangka panjang obligasi yang diterbitkan oleh pemerintah negara bagian di Amerika Serikat untuk membiayai kepentingan publik atau umum seperti membangun gedung sekolah jalan umum dan prasarana umum lainnya Obligasi jenis itu bebas dari pajak Ada dua jenis municipal bond yaitu general obligation bond dan revenue bond General obligation bond tidak memiliki sumber pembayaran yang jelas hanya dijamin dengan full faith and credit dari penerbitnya yaitu janji akan membayar utangnya dari semua sumber daya yang ada Biasanya dibayar dari penghasilan pajak sehingga untuk menerbitkan sekuritas itu harus mendapat persetujuan dari pembayar pajak Revenue bond dijamin dari pendapatan suatu proyek revenue generating project Sebagai contoh obligasi yang diterbitkan untuk membiayai pembangunan jalan tol akan dibayar dari pendapatan pengoperasian jalan tol tersebut Jika pendapatannya tidak cukup maka investor akan mengalami kerugian Hal ini menunjukkan municipal bond tidak default free Tahun Pembayaran Kupon Suku Bunga Zero Coupon Bond Nilai Sekarang PV Zero Coupon Bond 1 100000 975 91116 2 100000 975 83022 3 100000 975 75646 4 100000 975 68926 5 100000 975 62802 6 100000 975 57223 7 100000 975 52140 8 100000 975 47508 9 100000 975 43287 10 100000 975 39442 11 1000000 975 394416 Total 1015528 3 Corporate Bond Corporate bond atau Obligasi korporasi adalah surat utang yang diterbitkan oleh perusahaan besar untuk mencari dana jangka panjang Pada umumnya sekuritas itu memiliki face value 1000 dan memberikan pembayaran bunga dua kali dalam setahun semiannually Selain itu corporate bond pada umumnya bersifat callable yaitu penerbit dapat menarik kembali to redeem obligasinya setiap saat Derajat risiko corporate bond bervariasi bergantung pada kondisi kesehatan perusahaan penerbitnya Suku bunga corporate bond dan obligasi lainnya bervariasi selain dipengaruhi risiko default juga tingkat likuiditas pembebanan pajak penghasilan dan jangka waktu pinjaman a Risiko default Obligasi yang memiliki risiko default seperti obligasi korporasi akan memiliki risk premium premi risiko yaitu selisih antara suku bunga obligasi yang memiliki risiko default dengan obligasi yang bebas risiko default free seperti treasury bond Semakin tinggi derajat risiko obligasi semakin tinggi risk premium sehingga suku bunga yang diberikan obligasi tersebut akan lebih tinggi dibandingkan obligasi yang bebas risiko Untuk mengetahui derajat risiko obligasi tertentu dapat diperoleh dengan mempelajari bond rating peringkat obligasi seperti yang disediakan oleh lembaga pemeringkat terkenal Moody’s Investors Service dan Standard and Poor’s Corporation Obligasi yang memiliki risiko default rendah dengan peringkat Baa BBB atau lebih tinggi disebut Speculative-grade atau dikenal dengan sebutan junk bond dan memberikan suku bunga yang tinggi b Likuiditas Suku bunga obligasi juga dipengaruhi tingkat likuiditas yaitu kemudahan atau kecepatan sekuritas untuk dikonversi menjadi dana tunai dengan biaya rendah Sekuritas dengan tingkat likuiditas yang tinggi akan lebih disukai dibandingkan sekuritas dengan tingkat likuiditas yang rendah faktor lain dianggap tetap Treasure bond memiliki tingkat likuiditas yang paling tinggi karena sekuritas tersebut memiliki pasar yang luas deep mudah dijual secara cepat dengan biaya rendah Obligasi korporasi memiliki tingkat likuiditas yang relative rendah karena hanya sedikit sekuritas dari suatu perusahaan tertentu yang ditransaksikan di pasar sehingga dalam keadaan darurat emergency akan sangat mahal menjual sekuritas tersebut karena sulit untuk mendapatkan pembeli dengan cepat c Pembebanan pajak penghasilan Municipal Bond yang tidak default free dalam kurun waktu yang lama lebih dari 40 tahun ternyata memberikan suku bunga yang lebih rendah dibandingkan dengan treasury bond yang default free Keanehan tersebut terjawab karena municipal bond tidak dikenakan pajak penghasilan Dengan tingkat pajak penghasilan sebesar 40 municipal bond dengan nilai 1000 dan memberikan kupon sebesar 80 yanglebih menguntungkan dibandingkan dengan treasury bond dengan nilai yang sama dan pembayaran kupon sebesar 100 Karena municipal bond tidak dikenakan pajak pembayaran kupon sebesar 80 setara dengan suku bunga sebesar 8 Sebaliknya meskipun suku bunga treasury bond lebih besar yaitu 10 pajak penghasilan sebesar 40 mengurangi kupon yang diterima yaitu hanya sebesar 60 atau setara dengan suku bunga 6 Dengan demikian pembebanan pajak penghasilan menurunkan suku bunga riil dari treasury bond dan hal itu sejalan dengan risiko default yang dikandungnya Obligasi korporasi memiliki beberapa karakteristik antara lain: · Registered bond Pada awalnya obligasi merupakan bearer bond yang memberikan pembayaran bunga kepada mereka yang memegang kupon bond Kini bearer bond telah diganti dengan registered bond yang dijual tanpa kupon Meskipun demikian suku bunga obligasi tetap disebut dengan coupon interest payment Untuk memperoleh pembayaran bunga pemegang obligasi mendaftarkan dirinya ke penerbit · Restrictive covenants Karena manajer perusahaan lebih memperhatikan kepentingan para pemegang saham daripada pemegang obligasi manajer direkrut diberhentikan dan besaran kompensasinya ditentukan oleh dewan direksi yang mewakili pemegang saham maka pemegang obligasi menginginkan adanya Restrictive covenants yaitu perjanjian yang membatasi perilaku penerbit seperti: membatasi jumlah dividen yang dapat dibayar oleh perusahaan membatasi kemampuan perusahaan untuk menerbitkan tambahan uang dan menghalangi manajer untuk melakukan merger Semakin banyak batasan yang dikenakan terhadap manajemen dalam Restrictive covenants semakin aman obligasi tersebut sehingga suku bunga yang diberikan juga rendah · Call provision Karakteristik ini memberi hak kepada perusahaan penerbit untuk menarik kembali obligasinya disebut callable bond Alasan perusahaan untuk menarik kembali obligasinya antara lain: 1 Dapat membeli kembali obligasinya dengan harga lebih murah apabila suku bunga turun ingat bila suku pasar turun kewajiban penerbit dengan bunga tetap jangka panjang menjadi sangat mahal 2 Menghindari sinking fund yaitu kewajiban membayar bagian dari utang pokok setiap tahun 3 Menghindari batasan terhadap manajemen untuk menerbitkan saham apabila kondisi menguntungkan 4 Untuk merubah struktur capital misalnya: ketika perusahaan memiliki kelebihan dana Callable bonds tidak disukai oleh pemegang obligasi karena perusahaan penerbit memiliki hak untuk menarik kembali obligasinya Namun callable bonds memberikan pengembalian yang lebih tinggi apabila dibandingkan dengan noncallable bonds · Convertible bonds Beberapa obligasi dapat diubah menjadi saham sehingga memungkinkan pemegang obligasi menikmati keuntungan perusahaan apabila harga saham meningkat Selain itu pemegang obligasi memiliki opsi untuk tidak melakukan konversi bila kondisi perusahaan memburuk Karakteristik tersebut dapat menghindari pandangan negative pasar terhadap perusahaan penerbitnya Harga obligasi dengan konversi lebih mahal yang berarti juga memberikan suku bunga lebih rendah dibandingkan dengan obligasi tanpa konversi ingat harga obligasi berbanding terbalik dengan suku bunga Ada beberapa jenis obligasi korporasi yang dibedakan berdasarkan jenis jaminannya dan urutan pembayaran apabila perusahaan mengalami default yaitu: · Secured bond Adalah surat utang yang memiliki jaminan collateral Sebuah gedung dapat dijadikan jaminan untuk membiayai konstruksinya dan apabila perusahaan gagal maka pemegang obligasi dapat melikuidasi gedung tersebut Secured bond memiliki risiko rendah sehingga memberikan suku bunga yang rendah pula · Unsecured bonds Obligasi jenis ini hanya dijamin dengan kepercayaan dari penerbitnya disebut juga dengan debentures Surat utang tersebut memiliki prioritas klaim terhadap asset yang lebih rendah risiko lebih tinggi sehingga memberikan suku bunga yang lebih tinggi dibandingkan secured bonds Subordinated debentures memiliki prioritas klaim terhadap asset yang lebih rendah dibandingkan dengan debentures sehingga menghadapi risiko default yang lebih tinggi dan memberikan suku bunga yang lebih tinggi pula · Variable-rate bonds Dapat berupa obligasi yang dijamin atau tidak dijamin Suku bunga obligasi jenis itu berubah dengan berubahnya suku bunga pasar seperti suku bunga treasury bond Inovasi munculnya surat utang tersebut dipicu oleh suku bunga yang sangat berfluktuasi pada tahun 1980 dan 1990-an · Junk bonds Perusahaan pemberi peringkat seperti Moody’s Investors Service dan Standard and Poor’s Corporation memberi peringkat sekuritas menurut risiko default yang dikandungnya Obligasi dengan peringkat AAA dikatakan sebagai obligasi yang memiliki peringkat tertinggi yang memiliki tingkat risiko default terendah Obligasi di atas peringkat Baa menurut Moody’s dan BBB menurut Standard and Poor’s Corporation dikategorikan sebagai Investment grade Sedangkan obligasi dengan peringkat dibawahnya dikategorikan sebagai speculative grade atau disebut juga junk bonds Karena berisiko junk bonds memberikan suku bunga yang tinggi D Karakteristik Obligasi 1 Nilai nominal atau nilai utang pokok yaitu nilai yang harus dibayar bunganya oleh penerbit dan harus dilunasi pada saat akhir masa jatuh tempo 2 Harga penerbitan yaitu suatu harga yang ditawarkan kepada investor pada saat penjualan perdana obligasi Nilai bersih yang diterima oleh penerbit adalah setelah dikurangi dengan biaya-biaya penerbit 3 Tanggal jatuh tempo yaitu suatu tanggal yang ditetapkan dimana pada saat tersebut penerbit wajib untuk melunasi nilai nominal obligasi Sepanjang pembayaran kembali / pelunasan tersebut telah dilakukan maka penerbit tidak lagi memiliki kewajiban kepada pemegang obligasi setelah lewat tanggal jatuh tempo obligasi tersebut Beberapa obligasi diterbitkan dengan masa jatuh tempo hinga lebih dari seratus tahun Pada awal tahun 2005 pasar atas obligasi euro dengan masa jatuh tempo selama 50 tahun mulai berkembang Pada pasaran Amerika dikenal 3 kelompok masa jatuh tempo obligasi yaitu: a Jangka pendek surat utang atau bill: yang masa jatuh temponya hingga 1 tahun b Medium Term Note : masa jatuh temponya antara 1 hingga 10 tahun c Jangka panjang obligasi atau bond: jatuh temponya di atas 10 tahun 4 Kupon suku bunga yang dibayarkan oleh penerbit kepada pemegang obligasi Biasanya suku bunga ini memeiliki besaran yang tetap sepanjang masa berlakunya obligasi tetapi juga bisa mengacu kepada suatu indeks pasar uang seperti LIBOR dan lain-lain Istilah kupon ini asal mulanya digunakan karena dimasa lalu secara fisik obligasi diterbitkan bersama dengan kupon bunga yang melekat pada obligasi tersebut Pada tanggal pembayaran kupon pemegang obligasi akan menyerahkan kupon tersebut ke bank guna ditukarkan dengan pembayaran bunga 5 Tanggal kupon tanggal pembayaran bunga dari penerbit kepada pemegang obligasi Di Amerika kebanyakan pembayaran kupon obligasi dilakukan secara tengah tahunan yang artinya pembayaran kupon dilakukan setiap 6 bulan sekali Di Eropa kebanyakan obligasi adalah secara tahunan atau 1 kupon pertahun 6 Dokumen resmi suatu dokumen yang menjelaskan secara terinci hak-hak dari pemegang saham Di Amerika ketentuan ini diatur oleh departemen keuangan pemerintah dan undang-undang komersial dimana dokumen ini di hadapan pengadilan diperlakukan sebagai suatu kontrak Ketentuan dalam dokumen resmi tersebut sulit sekali diubah dimana perubahan hanya dapat dilakukan atas persetujuan mayoritas pemegang obligasi 7 Hak opsi: suatu obligasi dapat memuat ketentuan mengenai hak opsi kepada pembeli obligasi ataupun penerbit obligasi 8 Hak pelunasan beberapa obligasi memberikan hak kepada penerbit untuk melunasi obligasi tersebut sebelum masa jatuh tempo obligasi Obligasi jenis ini dikenal sebagai obligasi opsi beli Kebanyakan obligasi jenis ini memberikan hak kepada penerbit untuk melakukan pelunasan obligasi pada nilai pari Pada beberapa obligasi mengharuskan penerbit untuk membayar premi yang disebut premi opsi Ini utamanya digunakan bagi obligasi berbunga tinggi Pada obligasi jenis ini terdapat banyak sekali persyaratan yang ketat yang membatasi kegiatan operasional penerbit maka guna membebaskan penerbit dari pembatasan-pembatasan dilakukanlah pelunasan dini atas obligasi tersebut namun dengan biaya yang lebih tinggi 9 Hak jual beberapa obligasi memberikan hak kepada pemegang obligasi untuk memaksa penerbit melakukan pelunasan awal atas obligasinya sebelum masa jatuh tempo lihat opsi jual 10 Tanggal pelaksanaan opsi adalah tanggal dimaka opsi beli atau opsi jual dapat dilaksanakan sebelum masa jatuh tempo obligasi dimana pada umumnya terdapat 4 cara pelaksanaan opsi yang demikian ini yaitu: a Gaya Bermuda memiliki beberapa tanggal pelaksanaan yang biasanya disesuaiakan dengan tanggal kupon b Gaya Eropa hanya memiliki satu tanggal pelaksanaan ini merupakan kasus khusus gaya Bermuda c Gaya Amerika opsi dapat dilaksanakan setiap saat hingga masa jatuh tempo d Penjualan karena kematian adalah opsi yang diberikan kepada ahli waris pemegang opsi untuk menjual kembali obligasinya kepada penerbit dalam hal terjadinya kematian pada pemegang obligasi atau menderita cacat tetap E Risiko Obligasi Bagi penerbit dan pembeli obligasi risiko yang sering dihadapi adalah risiko karena perubahan suku bunga Apabila suku bunga naik harga obligasi akan turun pembeli obligasi rugi dan apabila suku bunga turun harga obligasi akan naik penerbit obligasi yang rugi Karena itu kemudian muncul obligasi yang ditawarkan dengan suku bunga mengambang floating rate Misalnya ditentukan bahwa suku bunga obligasi sama dengan suku bunga rata-rata deposito jangka waktu enam bulan pada bank-bank pemerintah ditambah dengan 100 Suad Husnan dan Enny Pudjiastuti 2004:370 Menurut Fabozzi dalam Maria Immacuatta 2006 ada beberapa risiko yang dihadapi oleh investor dalam investasi obligasi yaitu sebagai berikut: 1 Interest-Rate Risk Harga dari sebuah obligasi akan berubah pada arah yang berlawanan dari perubahan tingkat bunga: Jika tingkat suku bunga naik maka harga obligasi akan turun Begitu pula sebaliknya jika suku bunga turun maka harga obligasi akan naik Jika seorang investor harus menjual obligasi sebelum jatuh tempo peningkatan tingkat suku bunga bermakna bahwa investor akan mengalami capital loss misal investor menjual obligasi dibawah harga beli Risiko jenis ini dikenal dengan interest-rate risk atau market risk Risiko ini merupakan risiko yang pada umumnya dialami oleh investor pada pasar obligasi 2 Reinvestment Risk Variabilitas pada tingkat reinvestment akibat adanya perubahan pada tingkat bunga pasar dinamakan reinvestment risk 3 Call Risk Sebagian perusahaan menetapkan untuk menarik atau membeli obligasi yang diterbitkannya pada harga dan waktu tertentu Hal ini menyebabkan investor akan mengalami call risk dimana pada tanggal tertentu perusahaan penerbit obligasi akan menarik kembali obligasinya 4 Default Risk Default Risk juga berkaitan dengan risiko gagal bayar artinya risiko penerbit obligasi yang mengalami kebangkrutan Akibat adanya risiko ini obligasi yang memiliki Default Risk dalam perdagangan di pasar obligasi mempunyai harga yang rendah dibandingkan dengan US Treasury securities Dilain pihak obligasi ini dalam perdagangan di pasar obligasi memiliki yield yang lebih besar dari treasury bond 5 Inflation Risk Peningkatan Inflation risk atau purchasing power risk disebabkan oleh bervariasinya nilai aliran kas yang diterima oleh investor akibat dampak adanya security due inflasi Contohnya jika investor membeli obligasi pada coupon rate sebesar 7 tetapi tingkat inflasi adalah 8 maka purchasing power aliran kas secara nyata akan dikurangi 6 Exchange-Rate Risk Obligasi yang diperdagangkan denominasi valuta asing memiliki nilai yang tidak dapat diketahui dengan pasti Nilai obligasi dalam mata uang lokal baru dapat diketahui ketika pembayaran kupon atau nilai pokok pinjaman terjadi 7 Liquidity Risk Liquidity atau marketable risk bergantung pada kemudahan suatu obligasi untuk dijual kembali sebesar nilai obligasinya 8 Volatility Risk Harga suatu jenis obligasi tertentu bergantung pada tingkat suku bunga dan faktor-faktor lainnya yang mempengaruhi nilai obligasi tersebut Perubahan pada faktor-faktor tersebut berpengaruh pada harga obligasi Risiko jenis ini dikenal dengan volatility risk F Pihak-Pihak Yang Terlibat Dalam Penerbitan Obligasi Syariah Dalam penerbitan obligasi syariah akan melibatkan beberapa pihak yang saling terkait satu dengan yang lainnya Pihak-pihak tersebut menurut Sunarsih 2008 adalah: 1 Obligor Obligor adalah pihak yang bertanggungjawab atas pembayaran imbalan dan nilai nominal sukuk yang diterbitkan sampai dengan sukuk/obligasi syariah jatuh tempo Dalam hal sovereign sukuk obligor nya adalah pemerintah 2 Investor Investor adalah pemegang sukuk yang memiliki hak atas imbalan marjin dan nilai nominal sukuk sesuai partisipasi masing-masing Investor yang dimaksud disini bisa islamik investor ataupun investor konvensional 3 Special Purpose Vehicle SPV Special Purpose Vehicle SPV adalah badan hukum yang didirikan khusus untuk penerbitan sukuk Special Purpose Vehicle SPV berfungsi : i sebagai penerbit sukuk ii menjadi counterpart pemerintah atau corporate dalam transaksi pengalihan asset iii bertindak sebagai wali amanat trustee untuk mewakili kepentingan investor 4 Trustee bisa Principal Trustee atau Co Trustee Trustee mewakili kepentingan pembeli obligasi trustee melakukan semacam penilaian terhadap perusahaan yang akan menerbitkan obligasi untuk meminimalkan resiko yang akan ditanggung obligor 5 Appraiser Appraiser adalah perusahaan yang melakukan penilaian terhadap aktiva tetap perusahaan yang akan melakukan emisi untuk memperoleh nilai yang dipandang wajar 6 Custody Custody menyelenggarakan kegiatan penitipan bertanggungjawab untuk menyimpan efek milik pemegang rekening dan memenuhi kewajiban lain sesuai kontrak antara kustodian dan pemegang rekening Kustodian bisa berupa Lembaga Penyimpanan dan Penyelesaian Perusahaan Efek dan Bank Umum yang telah memperoleh persetujuan Bapepam 7 Shariah Advisor Penerbitan sukuk obligasi syariah harus terlebih dahulu mendapatkan pernyataan kesesuaian prinsip syariah syariah compliance endorsement untuk meyakinkan investor bahwa sukuk obligasi syariah telah distruktur sesuai syariah Pernyataan syariah compliance tersebut bisa diperoleh dari individu yang diakui secara luas pengetahuannya di bidang syariah atau institusi yang khusus membidangi masalah syariah Untuk penerbitan sukuk obligasi syariah di dalam negeri syariah compliance endorsement dapat dimintakan kepada Dewan Syariah Nasional-MUI Untuk penerbitan sukuk obligasi syariah internasional diperlukan endorsement dari ahli/lembaga syariah yang diakui komunitas syariah internasional misalnya IIFM 8 Arranger atau Manajer Investasi Manajer investasi merupakan pihak yang mengelola dana yang dititpkan investor untuk diinvestasikan di pasar modal 9 Paying Agent Agen biasanya sebuah bank komersial yang diberi wewenang oleh penerbit surat berharga untuk membayar kewajiban pokok dan bunga kepada pemegang surat berharga agen tersebut bertindak sebagai pembayar dan menarik biaya untuk jasa pelayanan G Struktur Obligasi Syariah Menurut Sunarsih 2008 obligasi syariah sebagai sumber pendanaan dan sekaligus investasi memungkinkan berbagai bentuk struktur yang dapat ditawarkan untuk tetap menghindarkan dari riba Berdasarkan pengertian obligasi syariah maka obligasi syariah dapat memberi : 1 Bagi hasil berdasarkan akad Mudharabah Muqaradhah Qiradh atau Musyarakah Karena akad Mudharabah atau Musyarakah adalah kerjasama dengan skema bagi hasil pendapatan atau keuntungan obligasi ini akan memberikan return dengan menggunakan term indicative/expected return karena sifatnya yang floating dan tergantung pada kinerja pendapatan yang dibagihasilkan 2 Margin/Fee berdasarkan akad Murabahah atau Salam atau Istishna’ atau Ijarah Dengan akad Murabahah/Salam/Istishna atau Ijarah sebagai bentuk jual beli dengan skema cost plus basis obligasi jenis ini akan memberikan fixed return Walaupun bentuk akad yang diterapkan dalam obligasi syariah itu banyak namun dilihat dari akad yang digunakan sampai saat ini baru dua jenis obligasi syariah yang sedang berkembang di Indonesia yaitu : obligasi dalam perhitungan penilaian dan pemberian hasil return 1 Obligasi Mudharabah Obligasi Mudharabah adalah skema kerja sama dengan skema bagi hasil pendapatan atau keuntungan obligasi jenis ini akan memberikan return dengan menggunakan term indicative/expected return karena sifatnya yang floating dan tergantung pada kinerja pendapatan yang dibagihasilkan Alasan memilih penerbitan obligasi syariah dengan struktur mudharabah dikarenakan obligasi syariah mudharabah ini telah memiliki pedoman khusus yaitu dengan disahkannya Fatwa No 33/DSN-MUI /IX/2002 Dalam fatwa tersebut dinyatakan bahwa obligasi syariah mudharabah adalah obligasi syariah yang menggunakan akad mudharabah Selain itu pemilihan obligasi mudharabah juga disebabkan karena : a Bentuk pendanaan yang paling sesuai untuk investasi dalam jumlah besar dan jangka yang relatif panjang b Dapat digunakan untuk pendanaan umum general financing c Mudharabah merupakan pencampuran kerja sama antara modal dan jasa kegiatan usaha sehingga menjadikan strukturnya memungkinkan untuk tidak memerlukan jaminan collateral atas asset yang spesifik Hal ini berbeda dengan struktur yang menggunakan dasar akad jual beli yang mensyaratkan jaminan atas asset yang didanai d Kecenderungan regional dan global dari penggunaan struktur mudharabah dan bai bi-tharman ajil menjadi mudharabah dan ijarah Dalam praktik obligasi ijarah dapat dilakukan dengan dua cara : a Investor sebagai penyewa musta‟jir dan emiten sebagai perwakilan agent investor dan pemilik properti sebagai orang yang menyewakan properti mu‟jir Dengan cara ini ada dua jenis kontrak yaitu: kontrak antara investor dengan emiten disebut kontrak wakala agent contract dan kontrak antara emiten dengan pemilik properti disebut kontrak ijarah b Investor menyewakan properti kepada emiten dengan kontrak ijarah dan menerbitkan obligasi syariah ijarah Emiten wajib membayar margin/fee kepada investor dan membayar dana obligasi syariah setelah waktu yang telah ditetapkan pada waktu obligasi jatuh tempo Berikut ini adalah model struktur obligasi syariah ijarah menurut Nafik 2009: Struktur Obligasi Syariah Ijarah diantaranya: 1 Obligator penjual/dealer 2 SPV/KIK 3 Obligator penyewa 4 Investor sukuk holder 5 Proses sukuk untuk membeli aset 6 Hak atas aset 7 Pendapatan sewa / Margin penjualan 8 Proses pembelian / penjualan aset 9 sewa 10 Sewa asset 11 Membeli sukuk 12 Sukuk Ijarah 13 Sertifikat Ijarah H Obligasi Syariah Sebagai Sumber Pendanaan Bagi Perusahaan Setiap perusahaan memerlukan modal untuk melakukan kegiatan operasionalnya Modal ini didapat dari ekuitas atau dari hutang Ekuitas disini adalah modal sendiri yang terdiri atas saham retained earnings dan agio saham Namun dari tiga jenis ekuitas itu yang bisa diperoleh dari masyarakat adalah saham dan agio saham Jika pemilik perusahaan bersedia berbagi kepemilikan dan menginginkan penggalian dana yang tidak terbatas maka perusahaan bisa menjual saham kepada masyarakat melalui pasar modal Sedangkan dana yang berasal dari hutang adalah berupa obligasi Obligasi yang diterbitkan di pasar modal tidak memerlukan jaminan aset karena sudah dijamin oleh penjamin emisi Selanjutnya hutang demikian memiliki jatuh tempo yang panjang karena memang obligasi didesain sebagai hutang jangka panjang Jumlahnya tidaknya terbatas karena dana digali dari masyarakat luas Sepanjang masyarakat masih memiliki dana dan percaya kepada pasar modal maka dana ini akan terus tersedia Widoatmodjo 2009 Upaya perusahaan untuk mendapatkan dan menambah modal ini menjadi bagian yang tidak terpisahkan dari kegiatan berinvestasi terutama di pasar modal Sejak tahun 2002 di Bursa Efek Indonesia diperdagangkan instrumen keuangan baru yaitu obligasi syariah Obligasi syariah ini diterbitkan selain untuk menutupi kebutuhan modal kerja juga bisa digunakan untuk pembangunan infrastruktur baik oleh perusahaan ataupun pemerintah Dengan demikian obligasi syariah bisa dimanfaatkan sebagai alternatif seumber pendanaan bagi perusahaan Obligasi syariah sebagai sumber pendanaan bagi perusahaan lebih kompetitif dibandingkan dengan obligasi konvensional hal ini disebabkan k emungkinan memperoleh dari bagi hasil pendapatan lebih tinggi daripada obligasi konvensional 1 Obligasi syariah aman karena digunakan untuk mendanai proyek-proyek yang prospektif 2 Bila terjadi kerugian di luar kontrol investor tetap memperoleh aktiva 3 Terobosan paradigma bukan lagi surat hutang tetapi surat investasi 4 Lebih lanjut Hanafi 2006 menyatakan bahwa obligasi syariah yang merupakan salah satu instrumen dalam pasar modal memiliki kelebihan dan kekurangan dibandingkan dengan instrumen yang lain yaitu: a Obligasi syariah meningkatkan likuiditas pemula dan investor dan hal ini akan mengurangi risiko tambahan risk premium pada produk pasar modal yang lain dan memberikan kontribusi pada biaya yang lebih rendah untuk wirausahawan b Obligasi syariah meningkatkan aliran dana terhadap total asset di pasar modal c Obligasi syariah meningkatkan diversifikasi instrumen di pasar modal d Beberapa model dapat di derivasi dari obligasi syariah selama dibutuhkan e Emiten terbatas dibanding dengan instrumen keuangan yang lain f Biaya obligasi syariah cukup tinggi dan memiliki skala yang luas I Soal Latihan Obligasi 1 Suatu obligasi mempunyai coupon rate sebesar 12 membayar couponnya per 6 bulan mempunyai 3 tahun sampai jatuh tempo dan sekarang dijual pada harga Rp 953500 Jika nilai nominalnya adalah 1 juta berapa YTM tahunannya Uraikan jawaban anda a 10 b 12 c 14 Dik: INT 12 X Rp 1000000 INT 120 M Rp 1000000 PV Rp 953500 n 3 tahun Dit: YTM YTM INT M-PV/n x 100 MPV/2 YTM 120000 1000000 – 953500/3 x 100 1000000 953500/2 YTM 135500 x 100 976750 YTM 14 gtgt Jadi besar nya nilai YTM yaitu 14 2 Berapa harga obligasi apabila obligasi tersebut mempunyai nilai par 100000 Obligasi akan jatuh tempo 4 tahun yang akan datang Rate of return yang diminta adalah 8 Kupon rate obligasi adalah 10 per tahun Jawab: Dik: par 100000 n 4 tahun r YTM 8 cpn 10 x 100000 10000 Dit: PV PV cpn cpn cpn cpn par 1r¹ 1r² 1r³ 1r ⁴ PV 10rb 10rb 10rb 10rb100rb 1008¹ 1008² 1008³ 1008 ⁴ PV 925926 857339 793832 8085328 PV 10662425 gtgt Jadi harga obligasi tersebut sebesar Rp 10662425 BAB III SIMPULAN Surat berharga obligasi merupakan instrument utang bagi perusahaan yang hendak memperoleh modal Obligasi adalah surat berharga atau pun sertifikat yang berisi kontrak antara pemberi pinjaman dengan penerima pinjaman Obligasi syariah adalah suatu surat berharga jangka panjang berdasarkan prinsip syariah yang dikeluarkan emiten kepada pemegang obligasi syariah yang mewajibkan emiten untuk membayar pendapatan kepada pemegang obligasi syariah berupa bagi hasil/margin/fee serta membayar kembali dana obligasi pada saat jatuh tempo Karakteristik obligasi diantaranya nilai nominal atau nilai utang pokok harga penerbitan tanggal jatuh tempo kupon tanggal kupon dokumen resmi hak opsi hak pelunasan hak jual tanggal pelaksanaan opsi Risiko yang akan dihadapi dalam obligasi adalah interest-rate risk reinvestment risk call risk default risk inflation risk exchange-rate risk liquidity risk volatility risk Pihak-pihak yang terlibat dalam penerbitan obligasi diantaranya Obligor investor special purpose vehicle spv trustee bisa principal trustee atau co trustee appraiser custody shariah advisor arranger atau manajer investasi paying agent Struktur obligasi syariah diantaranya Obligator penjual/dealer SPV/KIK Obligator penyewa Investor sukuk holder Proses sukuk untuk membeli aset Hak atas aset Pendapatan sewa / Margin penjuala n Proses pembelian / penjualan aset sewa Sewa asset Membeli sukuk Sukuk Ijarah Sertifikat Ijarah DAFTAR PUSTAKA Kasmir 2012 Bank dan Lembaga Keuangan Lainnya Jakarta: PT RajaGrafindo Persada Mangani Ktut Silvanita 2009 Bank dan Lembaga Keuangan Lain Jakarta: Erlangga Budisantoso Budi dan Sigit Triandaru 2006 Bank dan Lembaga Keuangan Lain Yogyakarta: Salemba Empat Buku catatan perkuliahan manajemen investasi Wikipediacoid |
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100 Code 12 Monkeys 13 Medos 1600 Penn 1864 2 Broke Girls 2012 Onda Zero 2091 24 Horas 3 Porcento 30 Rock 37 Days 666 Park Avenue A Bíblia – The Bible A Casa das Sete Mulheres A Diarista A Escuta The Wire A Família Adaams A Gifted Man A Grande Família A Maldição da Familia Bell A Maldição De Oak Island A Mulher Invisível A Place to Call Home A Sete Palmos Six Feet Under A Teia A to Z A Young Doctors Notebook About A Boy AD The Bible Continues Aftermath Agent Carter Agent X Alcatraz Além da Imaginação Alias Alienígenas do Passado ancient aliens Allegiance Almost Human Almost Royal Alphas American Crime American Crime Story American Horror Story American Odyssey Amores Roubados Angel Angel From Hell Angelby Angie Tribeca Animal Kingdom Antologia do Medo Fear Itself APB Aquarius Aranyélet Arnold Arquivo X Arrested Development Arrow Arthur and George Arvingerne Ascension Ash vs Evil Dead Atlanta Atlantis Austin e Ally Avengers Assemble Awake Awkward Backstrom Bad Education Bad Judge Bad 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SCL Sir Brian Neill Lecture: “Disability amp Innovation: The Universal Benefits of Inclusive Design” to be given by Haben Girma – Tuesday 26 November 2019 London |
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Maharaja London Scoops Prestigious ‘Wedding Caterer of the Year’ Award |
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Subscribe to industry Media Zambia’s leader in billboard and airport startups invited to London accelerator |
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Yes you can Provided that your invite is addressed to the Saudi embassy in London something we can check then we can certainly obtain the visa for you If you are not residing in the UK then you can still complete the information and use an international courier service to send it to us in London When complete we will use international courier 1 to 2 days to send it back We receive applications for British and EU passport holders from all over the world including the USA Singapore Middle east countries all EU countries Asia and Africa |
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Madeon kicks off Good Faith Live tour in London Review |
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DRWF Fundraising: Cyclists raise £2900 at RideLondon-Surrey 100 |
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SCL Event: Agile Methodologies: A Different Contractual Paradigm – Thursday 7 November 2019 London |
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Project Management Graduate Programme – London Starting October 2019 |
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Glossier London Pop-Up Store |
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Lola is the London RampB singer floating up from the underground |
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Businessmen as Lovers by Rosemary Tonks London: The Bodley Head Ltd 1969 |
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2019 Frieze London Cheat Sheet |
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Education Park Nominated For The PIE Education Agency Of The Year 2019 London |
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Loughborough London academic publishes book on the business of women’s sport |
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Usain opens Tracks amp Records London |
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London Garage Orchestra with MC Kie amp Enamie |
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Dinosaur Pile-Up are going to headline The Forum in London |
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Advisory firm accuses Transport for London of mishandling sale of £120 |
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Share Trading In London Delayed By Technical Issue |
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Capita signs new contract with London Borough of Bexley |
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Case handphone – London Big Ben |
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London record hotel openings in 2020 will boost sports and MICE sectors |
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Щиро вітаємо всю команду Книжкового Арсеналу з надзвичайно важливою та заслуженою перемогою London Book Fair Literary Festival Award!!! |
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Official World Record la única ONG internacional de registro de récords mundiales comunica formalmente la obtención de un nuevo récord mundial excepcional en el campo de la World Record sympathizes with the cause of nurse Jessica Anderson and opens the process to register the world record for the London Marathon in a normal 21st century uniform |
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When London parks used sheep as natural lawnmowers 1926-1938 |
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Reposted from November 2 2009 The hottest summer on record made doing the tourist thing a bit more difficult It was a family vacation and we started things off in Midhurst seeing some ruins and relaxing a bit before heading up to London and the more intense part of our trip The tea-room we stopped in that afternoon had sandwiches and sodas and although it wasn’t air-conditioned there was a trellised garden in the back which was quite pleasant We were waiting for food when a man and a woman sat down nearby He had full motorcycle leathers she did not but both carried helmets It must have been quite a ride for the woman was visibly excited trembling even and was watching her companion very intensely The man began to talk He was not well-spoken but by the swagger in his demeanor I could tell that he’d done this routine many times before She was reading him watching his little show An afternoon thrill Or was he worth another look Her intensity of concentration suggested that she was ambivalent she nodded a little too vigorously and her smiles of attraction alternated with fleeting grimaces of repulsion Our food came and we ate quietly the boys were still jet-lagged The couple finished their drinks and were off I could hear the cycle rev as they sped away to parts unknown At that moment I was glad that my courting days were over that my family was intact and I was happily married The mating dance is fascinating but not always pretty |
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The project was led by the Environmental Research Group at King’s College London supported by the University of Leeds and is now hosted at: |
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Chartered Accountants Worldwide are proud to introduce the 2019 chartered stars who will attend this year’s One Young World in London |
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COOKING LESSONS in LONDON SAUCE by the Langham |
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London Optical |
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The London Central Mosque and the Islamic Cultural Centre is Given Grade II Listed Status |
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UK: Aldi to double London store footprint by 2025 The news from the UK’s fifth-biggest supermarket comes after it posted record financial results |
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London Dermatology offers first class care and advice at the Hospital of St John amp St Elizabeth |
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2nd International Women Health and Breast Cancer Conference London UK August 13-14 2020 |
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The London Office |
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Kima is a Nigeria-born Wales-raised contemporary RnB artist living in London Kima flaunts her soulful vocals in her debut single ‘Morning’ which tells the story of a turbulent relationship and separation Kima hopes that by sharing her life stories through music coupled with her sense of humour she will be able to help other women to see their innate value and encourage them to reach their full potential |
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Dinosaur Pile-Up are going to headline The Forum in London More » |
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London Hernia |
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Book Launch ‘The Dynamics of Regional Migration Governance’ Wednesday 30 October London |
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London Fields |
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GRAPHIC DESIGNER London |
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Professor Paul Baker author of the Polari dictionary and the upcoming book Fabulosa! The Story of Polari Britain’s Secret Gay Language explains how Polari emerged from criminal cant and London’s theatres and docks to be used a code language for gay men in the oppressive 1950s – and then not long after it entered the slang lexicons of the general public via popular sketch comedy and the mouth of an annoyed princess |
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Анонс Roden 1/72 London General Omnibus Company type B |
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Hemel thug convicted of murder after ‘senseless’ stabbing in London |
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London-based collective 404 have returned with a brand new track |
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Bevor der Parteitag der britischen Konservativen beginnt hat Grossbritanniens Premierminister Boris Johnson noch einen TV-Auftritt bei dem er sich gegen schwere Vorwürfe wehren muss: Als Londoner Bürgermeister soll Johnson seine damalige Geliebte bevorteilt haben |
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Try our on demand grocery service Currently on trial in London and Manchester |
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BathroomsWe have fitted bathrooms in 100’s of properties in London and further afield over the last 15 years |
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Jaguar North West London |
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World music fest nazvan je po srpskoj reči MERAK koja iako potiče iz turskog jezika odavno se odomaćila kod nas sa značenjem zadovolјstva koje proističe iz malih stvari – označava želјu žudnju za nečim ćef uživanje ugodno raspoloženje ali i setu Upravo ova srpska reč ušla je u internacionalni rečnik reči koje nije moguće prevesti na druge jezike na kome radi dr Tim Lomas psiholog na Univerzitetu Istočni London koji se bavi istraživanjem o tome kako se pozitivna osećanja opisuju u različitim jezicima sveta Merak fest ima za cilј da na koncertnom podijumu prezentuje upravo taj osećaj po kojem je Niš prepoznatlјiv putem muzike inspirisane srpskom tradicijom ali i da istovremeno promoviše autentičnost muzičkog izraza umetnika iz različitih delova sveta i njihovu muziku koja kroz određeni muzički pravac koristi motive tradicionalne muzike različitih zemalјa |
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London 2017: South Africa’s Luvo Manyonga aims for gold at the Worlds after missing out on gold at Rio 2016 by 1cm |
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Londoner Ausstellung „Bond in Motion“ zeigt James Bond Autos und technische Spielereien |
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Jean Taylor at the caribArt Exhibition LONDON 2018 |
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Hilton London Gatwick Jobs Offering Latest Career Opportunities |
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Living Roofs and Walls: from policy to practice – 10 years of urban greening in London and beyond |
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York Station one of the busiest in the UK halfway between London and Edinburgh is home to York Station Taxis Ltd |
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BIS: forex volumes rise to 66 trillion as London trading soars |
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London Business School MBA Essay Tips for 2019-2020 |
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London Hip Specialists |
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London Cocktail Week |
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Few attractive features that you could find in all the North London escorts |
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Animal rights organisation Surge launches vegan poster campaign in London |
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The Best Ways to Save Space in London |
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London police arrest 750 in one busy day VIDEOS — RT UK News |
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Mūsų vaikai visą gyvenimą jausis tarsi svetimšaliai atvykę į kita kalba kalbančią šalį kur eismas vyksta kita puse ir žmonės juokiasi iš visai kitų dalykų Kaip lietuviai pirmą kartą patekę į Londoną Mūsų sūnums daug kas šiame normalių žmonių“ pasaulyje atrodo nauja nežinoma Juos visko reikia mokyti Guodžia tai kad galima išmokyti – kaip ir lietuviai išmoksta angliškai ar vairuoti kita eismo kryptimi“ – sako Gargžduose gyvenanti Jūratė Kontrimienė gt |
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INTERTANKO is currently seeking a Nautical Manager to join our team based in London |
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London AttractionsLondon Attractions 2018 |
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Dog Boarding amp Doggie Daycare in London and St Thomas |
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London EV Company – Electric-driven ‘London cabs’ part of Copenhagen green effort |
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Nicolas de Staël Landscape Study ‘Etude de paysage – A Yvonne Zervos – Amicalement’ 1952 Tate Britain London |
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Graham Sutherland Form over River 1972 Tate Britain London |
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The London African Gospel Choir performs Paul Simon’s Graceland |
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London Escorts Service |
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14th NALDIC North and Northeast London RIG |
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London School LSBF |
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Daniel London |
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London Inventory Trade rejects £32bn bid from HKEX |
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London Grammar представили альбом «Truth Is A Beautiful Thing» |
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Startups pinpointed as key to digital transformation at London Shipping Week |
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LILI – FULL SERVICE AND EROTIC MASSAGE IN LONDON |
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Welcome Everyone EAST LONDON DRIVING SCHOOL |
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London jobs requirements and careers |
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The New Technology Lawyer – SCL Annual Conference 2019 Wednesday 2 October 2019 London |
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Lloyd’s of London to go electronic next year |
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London Box Office |
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CAPTIVATE GROW EVOLVE Captivate your audience grow sales and evolve your business with web design in Bristol Oxford Reading and London |
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‘Affinity in Autonomy’ by Sony Design at the London Design Festival 2019 |
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IMAGINE CINEMAS LONDON |
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Ms Utkarsha Shantaram Bankar’s training program in ‘Leadership and Management Skills’ at ASHA Center Glouestershire London UK during 24th Aug to 15th Sept 2018 |
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London Training Centre |
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US soldier in an M-1 light tank before WWII head of Ordnungspolizei Order Police Kurt Daluege left with Reinhard Heydrich center and Heinrich Himmler right in 1935 on a hunting trip See more images here: https://tco/wFO5JmA6Wc Hawking with his family 1970s Driver Stan Fox’s Horrific Crash in the 1995 Indy 500 – May 28 1995 More pics: https://tco/gwhXenGWMo Mirren 1970s More photos: https://tco/WRPE2f8nIr turquoise water at Peyto Lake in Banff National Park Canada Chief Gerard A Barbara looks up at the burning towers of the World Trade Center on September 11 2001 in New York City Moments later he would go in never to return More pictures: https://tco/UYv8vJGN5B Attitude Era – The Rock and the Undertaker Walken 22 years old See more photos: https://tco/hS6n0WhnsV coolin it at 3am in LA ’51 Clapton Sinatra at Playboy Club London 1966 See more pictures: https://tco/FxreLKZIxH White working on her New Year’s resolutions 1929 Check out for more: https://tco/mK6bLJXD6H They Did Post Mortem Photography https://tco/MeDFxZnye5 |
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An OPIUM in SHANGHAI China was forced to buy opium as a result of two warsUp to 20 of the population were addicted Check out for more pics: https://tco/7zHXdoF5T8 finders were used in World War I to figure out which way enemy planes were coming from 1945 See more: https://tco/YfOLxtJUTs Portuguese Reading Room Rio de Janeiro Brazil Margrethe II of Denmark See more images here: https://tco/vgDTob2X88 muscles of the first perfect 10 in Olympic history at age 14 Nadia Comaneci See more photos here: https://tco/XmTubBmVLi Scientists in 1961 by Larry Keenan in Los Altos Hills California 1969 Pratt shows off the van he lived in while -homeless- in Maui Hawaii 1980 See more images: https://tco/p524VCFlk0 Welch in Paris 1967 More images: https://tco/RbdthkP8IS Leigh 1950s Vegas December 1982 Imperial Palace Flamingo and a De Tomaso Pantera Photo by Chris B See more pictures: https://tco/XuJFLarRrV Lady Jacqueline Kennedy in India 1962 Duchess Victoria Melita of Hesse leading her daughter Princess Ella on her pony: 1899 See more images here: https://tco/scrZK7qx50 Eastwood checking his revolver 1962 Ralph Crane 1950s See more pics: https://tco/A1dq2c5CGL Wright Military Flyer arrives at Fort Myer Virginia 1908 pole vaulter Guinn Smith at the 1948 London More pics: https://tco/agceo2wbMQ Bridge State Park Garfield Arkansas X takes a photo of his friend Muhammad Ali shortly after winning the heavyweight boxing championship in 1964 More images: https://tco/mILmqksO3K https://tco/IWHxi5d2wt |
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Kejadian terjadi pada sabtu malam sekitar tengah malam dan pertunjukan terakhirnya telah usai Bernard Mattimore dan Jerry Adams asisten manajer dan juga proyektor Menara Cinema tua ini di Peckham London selatan sedang berjalan menuju pintu belakang ketika berhenti mereka akhirnya tahu ada kehadiran makhluk halus di bioskop tersebut |
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