Maranatha-TE
- 30/03/2011 09:40 PM
#1
Halo agan2.
Gw brsan ini ditawarin ama temen gw utk investasi di GTI. www.goldentradersinternational.com
Gw coba googling utk baca2 testimoninya, tapi kesulitan nemu.
Apakah agan2 ada yg tau kredibilitas persh itu?
Tolong share donk yg prnh ada pengalaman investasi di persh itu.
Thanks gan.
Update informasi
Wah gak nyangka threadnya msh ada yg reply terus.hehe.
Gw udh ikutan GTI hampir 2 periode ( 1 periode 6bln). Gw mo sharing opini gw ttg bisnis GTI ini.
1. Awalnya gw nanya ini kan investasi yg memberikan bunga, nah gw langsung pikir klo investasi berarti harus ada ijin dari pemerintah donk. Bapepam - badan pengawasan penanaman modal, dll
Ternyata GTI tdk ada ijin bapepam, lho kenapa ? Karena GTI tidak investasi.
kok bisa? GTI merupakan perusahaan jual beli emas / Gold Bullion trading / alias toko emas lah, lah klo toko emas kan gak perlu ijin investasi.
lha bener kan, GTI jual emas 100gr ke nasabah. Nasabah beli emas itu.
Analoginya : gw jual motor ke agan.
2. Investasi di GTI, mendapatkan bunga 2% per bulan. Nah ini jg menarik, bunga?? interest rate? berarti hrs tetap ada ijin donk? lha Bank aja juga ada ijin dari BI utk memberikan bunga.
ternyata GTI memberikan CASHBACK, bukan bunga, nah lo bedanya ?
Cashback may also refer to:
Rebate (marketing), a sales promotion where customers receive money back after a purchase
An interest rate is the rate at which interest is paid by a borrower for the use of money that they borrow from a lender. For example, a small company borrows capital from a bank to buy new assets for their business, and in return the lender receives interest at a predetermined interest rate for deferring the use of funds and instead lending it to the borrower. Interest rates are normally expressed as a percentage of the principal for a period of one year.Source: Wikipedia
Nah berarti tanpa ijin dari BI tetap bisa memberikan cash back.
Analoginya: Gw jual motor ke agan, trus tiap bulan dpt cashback. ato promo yg skrg kan sering "Dapatkan cashback sampai 3jt bla bla"
3. Setelah kontrak berakhir Emas tersebut dikembalikan ke GTI, lalu uang kita kembali 100% - sama seperti waktu kita awal kontrak.
Nah ini yang gw bingung, ternyata setelah gw ikut, gw liat tuh kontraknya yg tulisannya kecil2 itu.hehe.ada tulisan jaminan BBG - Buy Back Guarante senilai 80% - 100%. Trus gw bilang ke marketingnya lho kok ada tulisan 80%-100% ? berarti gak jamin 100% donk ?
marketingnya bilang, tenang saja pak, selama ini pasti 100%,lha yg jamin siapa? di kertas kontrak 80%-100% tapi marketingnya bilang 100% (janji lisan / gentlement agreement ).Tapi memang pengalaman gw tetep 100% sih gak tau klo kondisi ekonomi yg super ngacooo
Jadi GTI tdk ada hubungan dgn investasi, murni jual beli emas, makanya bisa kerjasama dgn bank utk urusan gadai emas dan lembaga syariah.
Selama ini toko emas kan bisa menerima kembali emas tersebut dengan mengikuti harga dari toko emasnya kan ?
Analoginya : gw yg tadi udh jual motor itu ke agan, trus motor itu ntar stlh selesai kontrak, gw beli lage motornya dari agan.
Nah ini yang menarik,gw td kan analogi dengan motor, gak mungkin donk motor menarik perhatian, secara harga motor turun terus.
Trus benda apa / aset apa yang naik terus ? Tanah / Minyak bumi / Platinum / Palladium / batubara,ya hal itu naik terus,tapi kan ribet masak gw beli tanah trus dijual lage, ato gw beli minyak bumi (nyimpen dimana coba).
Ya benar,yg paling memungkinkan ya jualan EMAS BATANGAN. krn saat ini benda itu yg paling mudah disimpan dan nilainya jg naik terus.
Trus pemikiran orang kan aman,krn harga emas naik terus, seandainya GTI bangkrut ato kabur, toh kita pegang jaminan.
Jd klo ada pertanyaan GTI duitnya diputer dmn ya? kok bisa memberiakn bunga 2%,tinggi banget,itu gak cocok, klo persh investasi kita berhak menanyakan hal itu, lha klo TOKO EMAS ?? kan gak ada hubungannya dgn duit diputer.
Toko Emas di Cikini klo mau ginian juga bisa sih.hehe.
Gw bukan marketing GTI ya, hanya pemikiran gw saja ttg model bisnis ginian.
Update informasi.
Wah ternyata klo googling dan keywordnya "Golden Trader International" yg nongol di page one adalah thread ini.ckck
Gw mau meng-update info yang diposting di page 5&6 . Tentang kasus trading emas di Malaysia.
Ini link resmi Bank Sentral Malaysia :
http://www.bnm.gov.my/microsites/fraudalert/0301_status.htm
yang sedang diselidiki antara lain adalah : The Gold Label Sdn Bhd, Etika Emas Estet Sdn Bhd, Genneva Sdn Bhd , Bestino Group Berhad,dll
Semua itu persh yang bergerak di Trading Emas seperti GTI, Trimas, dll.
Di Malaysia ada peraturan "Banking And Financial Institutions Act 1989 (BAFIA). " Pasal 25 ayat 1, yang mengatur : "Section 25(1) of BAFIA 1989 prohibits any person from receiving, taking, or accepting deposits without having a valid license. "
http://www.bnm.gov.my/microsites/fraudalert/03_action.htm
http://www.bnm.gov.my/microsites/fraudalert/03_02_deposit.htm
Data itu saya ambil tgl 15 Agustus 2012. Sampai tgl itu, blm ada hasil keputusan pengadilan Malaysia APAKAH persh trading itu benar ato salah. jd kondisi saat ini masih dlm proses peradilan.
Kemudian persh Genneva menulis di koran : Borneo Post Sarawak pada tanggal 27 February 2012.
Isinya :
stlh baca pengumuman di koran itu kok intinya "Enter at your own risk" ..
Pertanyaannya di Indonesia apakah ada peraturan yang isinya sama dengan "Banking And Financial Institutions Act 1989 (BAFIA) terutama Pasal 25 ayat 1. " ?
Surat Edaran dari Bank Sentral Malaysia mengenai maraknya bisnis Gold Trading :
We note that you have raised issues with regard to the gold investment of 'this company'. We would like to inform you that buying and selling gold or silver is not under the purview of Bank Negara Malaysia (the Bank), thus the Bank does not issue any license to any company who wish to conduct such activities.
However, if the gold/silver trading - investment scheme clearly offers investment opportunity by collecting deposits from the public and investors are promised investment returns/profits within a certain period of time, whereby the original investment will be refunded or in other words if a company appeared to be involving in illegal deposit taking by using gold/silver to camouflage its activities, it maybe contravene section 25(1) Banking And Financial Institutions Act 1989 (BAFIA).
We have investigated numerous instances involving companies having illegal deposit-taking and trading in gold as their underlying products that might contravene Section 25(1), BAFIA such as 'company' Sdn Bhd, Bestino Group Berhad, Gold Label Sdn Bhd.
For your information, we also monitor these activities very closely and we will not hesitate to conduct investigations should a company appears to be involved in illegal deposit-taking using gold to camouflage its activities.
For your information, a scheduled institution has to notify the Bank for its operation under Section 21(1) BAFIA. However, we do not regulate its activities. In this instance, 'company' has submitted its application for change of name as previous notification was made under the name of other company which was acquired by 'company'. The activities described in the application are to conduct the leasing and factoring businesses. 'company' does not require the Bank's approval to conduct the gold bar trading as gold trading is not under the Bank's purview as mentioned above.
Thus, again we would like to take the opportunity to inform members of public that gold trading is not under Bank Negara Malaysia's jurisdiction. Members of public are to be reminded to be more cautious and scrutinize the risk associated with the gold investment before joining any investment scheme which promise higher returns in short-term period.
Investors are advised to check the background of the company and legality of its activities with the relevant authorities to ensure compliance of laws. For example, investors could check with authorities such as Companies Commission of Malaysia (CCM) with regard to the registration and company business activity registered with CCM. Investors may also like to check the company's financial track record including its sustainability to pay return on investments. Investors may obtain such information from CCM and/or from the company itself through below documents:
i) Audited Annual Reports
ii) Memorandum of Association
iii)Article of Association
iv)Form 49 - List of Directors
As a gold Investor, he/she is advised to check pertinent issues regarding the company gold operations such as:
i) The source of the gold - where does the company obtain its stocks?
ii) Body that certified the gold purity
iii) Verify the certification by contacting the party who issued the certificate
iv) Verify with goldsmith on the gold purity
v) Why does the company sell the gold at premium?
vi) Is there any return promised to the investors?
vii) How does the company generate profit from its operation?
Investor may report to Ministry of Domestic Trade, Co-operative and Consumerism (KPDNKK) if investor has evidence regarding the poor quality of the gold bought by them.
We hope the above have clarified the matter raised.
Thank you.
For more information on financial fraud alert, please visit
http://www.bnm.gov.my/microsites/fraudalert/index.htm
The Smart knows when to start, The Wise knows when to stop
Gw brsan ini ditawarin ama temen gw utk investasi di GTI. www.goldentradersinternational.com
Gw coba googling utk baca2 testimoninya, tapi kesulitan nemu.
Apakah agan2 ada yg tau kredibilitas persh itu?
Tolong share donk yg prnh ada pengalaman investasi di persh itu.
Thanks gan.
Update informasi
Wah gak nyangka threadnya msh ada yg reply terus.hehe.
Gw udh ikutan GTI hampir 2 periode ( 1 periode 6bln). Gw mo sharing opini gw ttg bisnis GTI ini.
1. Awalnya gw nanya ini kan investasi yg memberikan bunga, nah gw langsung pikir klo investasi berarti harus ada ijin dari pemerintah donk. Bapepam - badan pengawasan penanaman modal, dll
Ternyata GTI tdk ada ijin bapepam, lho kenapa ? Karena GTI tidak investasi.
kok bisa? GTI merupakan perusahaan jual beli emas / Gold Bullion trading / alias toko emas lah, lah klo toko emas kan gak perlu ijin investasi.
lha bener kan, GTI jual emas 100gr ke nasabah. Nasabah beli emas itu.
Analoginya : gw jual motor ke agan.
2. Investasi di GTI, mendapatkan bunga 2% per bulan. Nah ini jg menarik, bunga?? interest rate? berarti hrs tetap ada ijin donk? lha Bank aja juga ada ijin dari BI utk memberikan bunga.
ternyata GTI memberikan CASHBACK, bukan bunga, nah lo bedanya ?
Spoiler
for Bedanya bunga dan cashback
Cashback may also refer to:
Rebate (marketing), a sales promotion where customers receive money back after a purchase
An interest rate is the rate at which interest is paid by a borrower for the use of money that they borrow from a lender. For example, a small company borrows capital from a bank to buy new assets for their business, and in return the lender receives interest at a predetermined interest rate for deferring the use of funds and instead lending it to the borrower. Interest rates are normally expressed as a percentage of the principal for a period of one year.Source: Wikipedia
Nah berarti tanpa ijin dari BI tetap bisa memberikan cash back.
Analoginya: Gw jual motor ke agan, trus tiap bulan dpt cashback. ato promo yg skrg kan sering "Dapatkan cashback sampai 3jt bla bla"
3. Setelah kontrak berakhir Emas tersebut dikembalikan ke GTI, lalu uang kita kembali 100% - sama seperti waktu kita awal kontrak.
Nah ini yang gw bingung, ternyata setelah gw ikut, gw liat tuh kontraknya yg tulisannya kecil2 itu.hehe.ada tulisan jaminan BBG - Buy Back Guarante senilai 80% - 100%. Trus gw bilang ke marketingnya lho kok ada tulisan 80%-100% ? berarti gak jamin 100% donk ?
marketingnya bilang, tenang saja pak, selama ini pasti 100%,lha yg jamin siapa? di kertas kontrak 80%-100% tapi marketingnya bilang 100% (janji lisan / gentlement agreement ).Tapi memang pengalaman gw tetep 100% sih gak tau klo kondisi ekonomi yg super ngacooo

Jadi GTI tdk ada hubungan dgn investasi, murni jual beli emas, makanya bisa kerjasama dgn bank utk urusan gadai emas dan lembaga syariah.
Selama ini toko emas kan bisa menerima kembali emas tersebut dengan mengikuti harga dari toko emasnya kan ?
Analoginya : gw yg tadi udh jual motor itu ke agan, trus motor itu ntar stlh selesai kontrak, gw beli lage motornya dari agan.
Nah ini yang menarik,gw td kan analogi dengan motor, gak mungkin donk motor menarik perhatian, secara harga motor turun terus.
Trus benda apa / aset apa yang naik terus ? Tanah / Minyak bumi / Platinum / Palladium / batubara,ya hal itu naik terus,tapi kan ribet masak gw beli tanah trus dijual lage, ato gw beli minyak bumi (nyimpen dimana coba).
Ya benar,yg paling memungkinkan ya jualan EMAS BATANGAN. krn saat ini benda itu yg paling mudah disimpan dan nilainya jg naik terus.
Trus pemikiran orang kan aman,krn harga emas naik terus, seandainya GTI bangkrut ato kabur, toh kita pegang jaminan.
Jd klo ada pertanyaan GTI duitnya diputer dmn ya? kok bisa memberiakn bunga 2%,tinggi banget,itu gak cocok, klo persh investasi kita berhak menanyakan hal itu, lha klo TOKO EMAS ?? kan gak ada hubungannya dgn duit diputer.
Toko Emas di Cikini klo mau ginian juga bisa sih.hehe.
Gw bukan marketing GTI ya, hanya pemikiran gw saja ttg model bisnis ginian.
Update informasi.
Wah ternyata klo googling dan keywordnya "Golden Trader International" yg nongol di page one adalah thread ini.ckck
Gw mau meng-update info yang diposting di page 5&6 . Tentang kasus trading emas di Malaysia.
Ini link resmi Bank Sentral Malaysia :
http://www.bnm.gov.my/microsites/fraudalert/0301_status.htm
yang sedang diselidiki antara lain adalah : The Gold Label Sdn Bhd, Etika Emas Estet Sdn Bhd, Genneva Sdn Bhd , Bestino Group Berhad,dll
Semua itu persh yang bergerak di Trading Emas seperti GTI, Trimas, dll.
Di Malaysia ada peraturan "Banking And Financial Institutions Act 1989 (BAFIA). " Pasal 25 ayat 1, yang mengatur : "Section 25(1) of BAFIA 1989 prohibits any person from receiving, taking, or accepting deposits without having a valid license. "
http://www.bnm.gov.my/microsites/fraudalert/03_action.htm
http://www.bnm.gov.my/microsites/fraudalert/03_02_deposit.htm
Data itu saya ambil tgl 15 Agustus 2012. Sampai tgl itu, blm ada hasil keputusan pengadilan Malaysia APAKAH persh trading itu benar ato salah. jd kondisi saat ini masih dlm proses peradilan.
Kemudian persh Genneva menulis di koran : Borneo Post Sarawak pada tanggal 27 February 2012.
Isinya :
Spoiler
for Cuplikan koran
stlh baca pengumuman di koran itu kok intinya "Enter at your own risk" ..
Pertanyaannya di Indonesia apakah ada peraturan yang isinya sama dengan "Banking And Financial Institutions Act 1989 (BAFIA) terutama Pasal 25 ayat 1. " ?
Surat Edaran dari Bank Sentral Malaysia mengenai maraknya bisnis Gold Trading :
Spoiler
for Surat Edaran dari Bank Sentral Malaysia
We note that you have raised issues with regard to the gold investment of 'this company'. We would like to inform you that buying and selling gold or silver is not under the purview of Bank Negara Malaysia (the Bank), thus the Bank does not issue any license to any company who wish to conduct such activities.
However, if the gold/silver trading - investment scheme clearly offers investment opportunity by collecting deposits from the public and investors are promised investment returns/profits within a certain period of time, whereby the original investment will be refunded or in other words if a company appeared to be involving in illegal deposit taking by using gold/silver to camouflage its activities, it maybe contravene section 25(1) Banking And Financial Institutions Act 1989 (BAFIA).
We have investigated numerous instances involving companies having illegal deposit-taking and trading in gold as their underlying products that might contravene Section 25(1), BAFIA such as 'company' Sdn Bhd, Bestino Group Berhad, Gold Label Sdn Bhd.
For your information, we also monitor these activities very closely and we will not hesitate to conduct investigations should a company appears to be involved in illegal deposit-taking using gold to camouflage its activities.
For your information, a scheduled institution has to notify the Bank for its operation under Section 21(1) BAFIA. However, we do not regulate its activities. In this instance, 'company' has submitted its application for change of name as previous notification was made under the name of other company which was acquired by 'company'. The activities described in the application are to conduct the leasing and factoring businesses. 'company' does not require the Bank's approval to conduct the gold bar trading as gold trading is not under the Bank's purview as mentioned above.
Thus, again we would like to take the opportunity to inform members of public that gold trading is not under Bank Negara Malaysia's jurisdiction. Members of public are to be reminded to be more cautious and scrutinize the risk associated with the gold investment before joining any investment scheme which promise higher returns in short-term period.
Investors are advised to check the background of the company and legality of its activities with the relevant authorities to ensure compliance of laws. For example, investors could check with authorities such as Companies Commission of Malaysia (CCM) with regard to the registration and company business activity registered with CCM. Investors may also like to check the company's financial track record including its sustainability to pay return on investments. Investors may obtain such information from CCM and/or from the company itself through below documents:
i) Audited Annual Reports
ii) Memorandum of Association
iii)Article of Association
iv)Form 49 - List of Directors
As a gold Investor, he/she is advised to check pertinent issues regarding the company gold operations such as:
i) The source of the gold - where does the company obtain its stocks?
ii) Body that certified the gold purity
iii) Verify the certification by contacting the party who issued the certificate
iv) Verify with goldsmith on the gold purity
v) Why does the company sell the gold at premium?
vi) Is there any return promised to the investors?
vii) How does the company generate profit from its operation?
Investor may report to Ministry of Domestic Trade, Co-operative and Consumerism (KPDNKK) if investor has evidence regarding the poor quality of the gold bought by them.
We hope the above have clarified the matter raised.
Thank you.
For more information on financial fraud alert, please visit
http://www.bnm.gov.my/microsites/fraudalert/index.htm
The Smart knows when to start, The Wise knows when to stop