Tinjauan Atas Prosedur Pemberian Kredit Pemilikan Rumah (KPR) Bersubsidi Pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Pembantu Antapani
# $" #% ! &''( )*
! "
# + ) ,''' #
- "
" " # $" #% !
! ! " #
! -./ "/ 0/ /,.1- &. 2 ,.1- $ " # ,' 3 ,.14%
! ! $ !#%
" # $" #% ! !
" # $" #% ! " # $" #% !
5 "
# $" #% !
6
! " # "$ ! % ! # $ ! & ! ! % '
(
7
6 , 5 " # $" #% & 5 " # $" #% ( " # $" #% "
# $" #%
- " 5 "
# $" #% 8 " # $" #% 4 ! 7 " # $" #%
)
"
6
)
3 " # $" #% !
$ % "
9
7
3
!
3 !
$ % "
9
7
3
3 "
# $" #%
- * 3
) (
5
, +
" " !
6
#- % $ +
, $: %
& $ % ( $3 %
- + ( #- $
; $ %
<
. / .
= " " ! $ % "
9
7 2 ,-& 7 ! -'&.,
. ( /
" "
4 2 &',' 4 7 &',' > 2 '1 (' > ,4 (' : !
! "##$%$&& ' ( "$#$
! " #$ % &# ! ! ' ( $ )$ *$! $ $ %
! ! )! + - %$ , % ' .
- $/ $
- # ! ! $ $ 1.& ' /- # . ! ! 2# $ $ '
- # ! ! $
- # $
3 4 *5 ( $!
6 0$ 0 7
8 9 % %$ ! / $ $/$ 8 -
! " # $ % ! &
" ' ( ) ( $* ! '
- ! ,
- ! ! $
. $ ! ! ! ' ! ' !
/ ! ' !
! " "
1 2 3 4 $5
! ! ! ! ! ! ' ! ! 2 3 / ! / 64 . 2 .4 0 74
) ! ! ! 23 / ! . ! 64 . 2 .4 0 74 )
! ' ! 2 !
3 % 23& . ! 64 . 2 .4 0 74 ) ! / % $ & 8 64 . 2 .4 0 74 ) $ ) 64 . 2 .4 0 74 )
% $ & 64 . 2 .4 0 74 ) / 4 6 .4 0 74 2 3 ) / ! 4 6 .4 0 74 ) 2 3 ,
6 / / / 5* ! ! / . 00 -
5* 9 5*
! " #
5 $ / 4 6 .4 0 74 )
6
6 6 , ( ) : ! 00 4 6 .4 0 74 ) ! * 9 5* !
. 4 6 .4 0 74 ;7424 4 6 .4 0 74 )
00
00 # 5# 5# 4 6 .4 0 74 ) / 4 6 .4 0 74 ;7424
! ;2 0 $ # ' # 00 $ 5 ( $ 4 6 .4 0 74 ;7424
00 * ! % / $& 4 6 .4 0 74
;7424 / 3 < ' ! % & ! 4 6 .4 0 74 ;7424
% & ! ! / $ 4 6 .4 0 74 ;7424
! 6 2 ! ! 6 2 / ! * * ! 6 2 .
. ! .
! ! $
4! ! !
00 . / ! ) / . / .
. % & $ % . $ . ! / = ! ***
. ! ! / & ' $ (
) & ' ( 0( )+5$$>(+
4 . ** ( 0> ** ! ! ! -
- # ! "
/ 2' . **#+ ** % ) ( 0( )+ $>(+( 0> **# # ( **#
! . #* > 32>32+ . >?33> **$ #
- $ ! = 2' . . **#+ ** & !
- 5 . )
. / ! 3 ** ! " 6 3 = 6 - ;-
4 %636+; 4& ;-
3 . ! # * *5 ***
- @ . " 3 ** 2!
Sub Branch Manager
(Kepala Cabang
Pembantu)
Collection & Workout
Retail Service Operation
Selling Staff(Penagihan &
(Layanan Retail) (Operasional)
Penyelamatan)Teller Service (Layanan Teller)
Customer Service (Layanan Nasabah)
Loan Service (Layanan Kredit)
Front Office Back Office
Gambar 2.1 Struktur Organisasi PT. Bank Tabungan Negara (Persero), Tbk Kantor Cabang Pembantu Antapani Bandung ! " # $ % " &"9 * $ ( ! /
+ !
( ! !
- * ( ,
( ! = ! ! ( ! 9 ) % * $ ( ! /
- + - ( , * $ . *
! ! ( && * , ( !
! ( / ( = ! / ! " ! + # !
- ! ! 9 . * $
( ! ( ! (
,
( ! 9 $ ++ $ ( ! ( & / $ $
/ ( )A+7A ( !
1 2 + 1
9 ( / 1 ( ! + 6 " ! ( - 4.( ! ( 4.6 ! 6 " ! ( ! + % ! .
! 7 " ! ! ( 4" ! > !
!
' ( $
9 ) %
( ! > " " ( ! > ! ! ( , ( ( - = "
7A )
- - 3
( " " " 9 . ) = " ( ! . -
=
7
- - ( !
=
- - ( ! !
= ( ! %% - $
=
- - ( ! 6 2
= ( ! -% %.
& ( ! !
( ! ( ! ! 9 ) % * $ ( ! , ! +!
! $
4
( ! 839 ( ! !
%! -& ( ! % &
4.( ( !
7 ( ! ! ! ( ! " ( ! 9 ) 3 " %479 49. ):;;
4 &
( ! ! 4.( ( 4.(
3 ( % $
! ( , * $ . * -
! ! 9 . * $ ( ! ! ! ( ! , ! !
$
4
( ! = ! ! ! ( ! ( ! ! ! ( ! ! !
9 A ( ! ! ( / 1
( && * , *
( " ! ! ! %- ! & ! + ++ $
!
- ( / ! ( ! " $ & % !
"
' ( ) $$
( , ( ! ( ! ( ! ( ! " ! ( - ! (
! ( ! ( 6 2 6 2 ( ( .
( !
- ( ) ! ( & ) ) ( . / ( .
6
- ++ (
( ! + ! ( ( ( $ $ (
7 (
1
( -% ( %. A & ( ( ) ( / 4.(
- A
- * ' ( "
- ( ! !
- ( ! % & ( ! ! / + /
( ! ! 5 # / 5/ ( ! 1 &' # ( ! ! %!
& " ( ! , ! =
$
4
( ! " > > " = - !
( ! ! ( ! ) % + % / ) / ( !
7 ( ! / ( ! ! ( ! ) - ! ( ! & ) ) ( ! . / ( ! + ! $ % 4
6
- + 1 + 377 ) +4(
( ! > % $ ! / ! ) 6 %)6 & ! /
( ! 4.( A ( " ! .
( ! , ! ! ! !
( ! " ! ( %
3 #> *> > ** &
( ! ! ! !
( ! ! ! ! !
- - ( , * $ . * !
! + ', - .
( ! ! ( , , " " ( ! / " ( - ! ! ( ! ! ! % ! ) #6& ! " ( ! / /
. %
(
( ! ! ( ! !
!
/ , $
9 $ $
4
( ! = ! ( ! = ! ! ( ! = ! % $ 6 2 6 2 ( ! = ! ! ( ! = ! ( ! = !
! ( ! = ! ( ! = ! ( ! = ! ( ! = !
( ! = ! ! ( ! = ! < %. ! " . - & - .
( ! = ! 4.( A ( ! = ! 4.( ( ! = ! 2.7) ( ! = ! 3 = ( ! = ! !
= ! + ( ! = ! !
! , ( ! = ! ! " ( ! = ! !
/ )
( ! = ! ! / ( ! = ! ( ! = !
8
( ! = ! ( ! = ! =
- - ( ! = !
6 2 - ( ! = ! % $ .
( ! = ! )
$ A
( ! = ! )
8 ( ! = !
6 ( ! = ! ! 6 2 6 2 = ! ( ! = ! .
6 ( ! = ! ! ( 7 %%- .
6 ( ! = ! !
1 + 1
( ! = ! ! 4.(
! ( ! = ! !
! ( ! = ! !
! / ! )3 ) ( ! =
! /
- - ( ! = ! !
! / ( ! =
! /
- ( ! = ! / 9 . %
( ! = ! ( ! = ! ! ! / !
! / > ! > ! -
! - % ! /
& = ! ( ! = ! ! ! / !
! / > !
- > !
- ! % ! / & = ! ( ! = !
! ( ! ! ! ( ! = ! !
/ ! ! ( ! = !
! ! >
( ! = ! ! / ! ! A4. > 4. !
- ( ! = ! / = ! !
!
9 7 " 4 ( ! = ! ! ! , ( ! = ! ! ! ! , ( ! = ! ! ! " ! ! , ( ! = ! !
! , ( ! = ! ! /
/ ! , ! ( ! = ! " ( ! = ! ! / ! , ( ! = ! ! , ( ! = !
6A ( ! = ! ! / , ( ! = ! ! = ! ( ! = ! !
= ( ! = ! ! !
= ( ! = ! = !
( ! = ! ! > ! = !
( ! = ! ! > ! =
( ! = ! ! !
- " ! ( ! = ! ! !
" ! 4.( ( ! = ! !
! ( ! = ! ! , ( ! = ! ! ,
! / ( ! = ! ! , ( ! = ! ! ( ! = ! !
" ( ! = ! ! ( ! = ! ! )
( %) (& )
( ! = ! ! ( ! = ! " ( ! = ! ! "
1 ( $ & ! "
- ++ (
( ! !
( ! ( ! ! ( ! ( ! !
!
- ++ ) $
/ - ( ( ! ( " !
( ! 6 2 ! ( - !
" ( ! ! ! ! - ( !
! ( ! " ! + ! 6 2
! (
/ . ) $ (
# *
6 . / !
- ! ! ! / !
- ! /
" #, & *
! . - ! .
# &" (
6 ! ! !
B 6 2 ) 6 2 )
&
6 7 %6
2 ) &
& 6 %6
2 ) &
#& 6 4! $&
6
2 5& 6 ), %6 2 (
) & &
6 7 ) %6
2 ) , &
"
6
6 A &
6 7 ( %6 ' 2 & & 6 %6 2 ' 7 / &
#& 6 ), %6 ' &
#
2
6 ! ! !
B 7 %! & .
& . & . #& . $& . ' 5& .
& . / , " ! / %! &
" #,& $ *
! ! - .
! / ,
- ! +
# &" (
6
6 2 ; &
6
1 7 %6 6 & &
6 #&
6
6 6 ! A & 6 3 = & 6 ( 6 /
" ( C 6 6 " ( &
6
2 &
6 A
#
2
7 % & ! / % &
- * " (
! .
3 ! +! ! !
3
# &" ( 6 2 .
6 . " ( 6 / .
3 = .
1 7 . % 6 &
- 6 2 3 7 ;
#
2
. 3 = .
" .
!
7
- 7 3 =
- * * ! 2 ' (
4.( )()
" 8 " 8
(
6 <
- - -
)
- + &
7
- -%
/ / 3 / % 3 &
6
3 C ) $
8 - )
4
7
! " " "
! " # " $ %
# " # " & #
# ' ' (# ' '
# # ' ) ( # * + #
,
- # & '
# # & # & # ,
) # # -
. // 01
- ' # '
# ' # ' ' # )
# 2 , 2 3 #
1
- # #
# # ' # # ' , ' #
& ' # # ' ' & '
# ) # #
# " 2 ,2 3 # / # # 2 ,2 3 #
1
- # #
- ' 6 #
# # ' # # ' , ' #
& ' # & ' # ' ' &
# ) 4 # # # & # # #
# # '
# # ' ' #
# $ ! " * $ - .
// 00 5 #
# #
- # # '
# " -
7 89: :; -
, # < 6 -
= -
- 1
# ' # - " # " # : -
/ - " #
9 ' #
# # # - $ # $ - ,
- #
- 7 #
# " # - < = - ' # 1 - # # '
# # # & * $ ' # $
# # ' # # # # #
# # '
% "
> ,' # # - . // 00, /
' 9 + *
- $ # +
#
- ' #
# # $ +
- 6 # 6 # $ #
' & $
" " # * # # &
, > * ?
- ' # ' & # '
' ' + & #
- ' # ' ' &
- " *
- # +
# # # ' # $ 8 9*- + ,
# ' # ' + # #
# 2 - " 89:
- # #
# # ' # #
" 89:
# # + # #
# + # " "
# + # " #
- # , #
# # # # # +
' ,' # # $ # +
" # $ # ( 9 > *
' # $ +
$ , $ ,
- #
# . # # #
- #
$ " 89: ; @ *
- ;
# # # +2+ +2 , ;
# 3#=// '
; # #
# + # #
A # " # A
# , * # ' '
# $ + # # $ '
' # + # $
' & " " " #
# ' '
- # # # & #
9 $ # #
' ,'
& % "
4 ' # # 2 ,2 3 # 1 '
# # & ,
$ ' - . // 00 # # #
- # "
# " #
- # " # " # & # #
# ' #
- ? 4 ' & ?
' & # ' # #
- 3 3 ' # #
' #
3 #
# ' # & # ' #
- # # #
#
' ( "% ( " "
4 # # #
9 # - #
. // /=, / ( <:
- & " #
# # " #
# # # # "
" ' # " #
# # #
# "
# # (
1
- # $ #
" ' #
# # #
$ $ , $ ,
# $ # $
' ' # " #
$ ' # # #
# '
# #
# # ' '
# #
3 # " #
- (
# " # # #
' & ' & # " # # # '
# # # "
# # # " "
- #
# # # & # #
" # #
# "
- # , ' <
1
3 #
' #
) " "
5 B ! 6 8 6 / / =<
' & ' * # # ' #
# # & )
# # & # # #
# # #
4 # # #
# # #
- * "+ " "
' # ( # + " .
, # ' &&& " * -
# # $ $ $ C # , $ $ $
' + $ - @$
# - # # ' 3 #
, - - . /0 )/1
D # # ' D #
/ D ' =/ D ' 5 -
4 # #
# # # ' & 3 #
2 3 , . - - "1 4 !3 D # # ' & D # D ' ' &
' D ' ' &
- (
- # $ $ $ - ' #
# 3 #
, - - . /0 )/1
D # # ' D #
/ D ' =/ D '
5 "
3
- //< =1
# # # # # )
- # # - # #
# # # &
# '
# ! "
- 4 # + '
6
- ' & + # : - 6 " # '
# # " # + 3 -
' # # # " - # 7 ( -
" - < - :C B :3 $
- = #
1 ,
# ' # & & " -
- 3 + 3 " # - # # #
# , # $ - # # ' #
# ' ' - ,' # * C
! " " "
6 6 .
1
- 3 + 3 $
- 3 " + 3 C # #
# # # # # + + 3
' # # # # + 3
# " "
6 6 .
1
3
- 3 + 3 # ' + 3
- C ' & # + 3 #
# ' # &
# + 3 C # # #
# #
' # * C # # ' + 3 # # #
$ #
- 2
# #
- #
# ' # # '
# # # - # * * C # # #
# ' & # # # , # # # E #
! "
6 6 .
1
3
- ' 3 + 3
C * & -
- # # + 3
# - # ; C
- '
3 " # // C - + 3 . -
- 3 C /19 @3-@C9-9 //0 C/
<9 @3-@C9-9 //0 # # #
' #
- ,
'
- &
7 " "
6
6 .
1
3
- $ - 3 + 3
C "
- C " #
- 3 ' & + # '
- # # #
#
' 3 "
6 6 . 1 "
6 6 .
1
3
- 3 + 3 3 + + 3
# ' # 3 + 3 C
- # 3 + 3 C '
3 3 "
6 6 . 1 "
6
6 .
1
3 + "
3
3
# ' - #
# &
- #
! #
# # .
4 ' * 4 # #
#
- # + 3 C #
' & '
- 3 C > & ' & # ' '
- ' + 3 3 + 3
# # + 3 C #
C
- ?
- &
?C
- &
& # #
4 4 # # + 3 C # # A
- (#
- 5
#
- " #
- 5
#
- #
C 9:
- 5
- B #
# '
- (
# '
- #
- " # +
- 5
& # " #
- 5
" #
9; *
- C 9*
# ' $
" # #
- 5
( # F3#
# </ ' 9 3# // ' 5 " # C ?
- # F 3# #
// ' # #
" # # '
$ ( #
#
- # 3 . <
" # $ ( #
#
- # ' ' 8 +
$ #
, 8 +
- $ 3 .
#
9
) " " 6 6 ( "% ( " 6+ + "
6 6 .
1
3
# * , 3 + 3
- C *
# > + 3 * +
- 3 * #
9 #
# #
3 # "
2 +62+ +62+ " . 2 0
1
1// /// G G <// /// /// /// G G 1// ///
G /// ///
&&& "
# # ' # # # #
# # # " # #
# # # # # #
# $ *
& + 3 # * 2 *
- A , #
3 " 6 6
3
+62+
6 6
3
6 . 2 1 +62+
3
3
0 <// /// 0 <// /// <// /// , 7 <// /// ,
&&& "
- 2 + 3 *
- 3 $ # #
3 9 3 . # #
> # 9 # , # " #
# ' 3 9 3 .
# + 3
3 & " 6 6 6 6
6 +62+ +62+ " 6 . 21 6 6 6 6
7 <// /// << /// /// 0 /// /// 7 <// /// , 0 /// ///
&&& "
" + 3 * # # # 2 - - A + 3 A -
- > ? A -
6
- 3 ' &
3 '
6
6
8
6
6
6
6 9 " +62+
3
3 +62+
- + + . 2 1 . 1 . 2 1 .
1 .:1 .:1
1 < </ 01< /// / / 7= <// /// / 1 < 0 01 <// / , , , < / = =// /// / , , ,
&&& "
9 #
I I
#
#
# ' # # J
9 9 # # #
#
&&& "
I
I H H < 1< 7 < < <
I 7 <H 7 <H 7 < < 1 < /
H
I I
I I
1H 1 / < 1< 1<
1H
1
# & ' ) *
5 ; /2 9 " +62+ +62+ 3 .: 0
3
3 )
- I D #
- # #
- # #
- " + 3 # #
- 3
J #
- # #
3 9 3 . J
- > > &
J # 3 9 3 . #
# =/ <
- 7
> & /
- " 9 '
# 3# * <// /// , #
< # ? C
& ?C
&
& # #
=
4
- 5 (# 5 " # + C 9:
- "
5 B
- ( # '
- 5 " # & #
$ 5 " # * 9; * C 9* 5 " # # F3# </ ' 9 3# // ' 5 " # C ? # F 3# //
'
1 4 # # #
' #
" # # '
$ ( # #
" # # #
" # # ' $
( # # # 3 . <
" # $ ( # #
# ' ' 8 + $ # , 8 +
$ $ 3 . #
9
- 3 *
3# </ /// , *
- # 6 K # $
- " 3# </ /// ,
(. 3# <// /// , * ( # + 3
$ ' & & ' 3# <// /// ,
# # # * 9 #
# '
63 "
6
* 6 + .1
3
- # #
3
- 3 # # # 3 + 3 #
' + 3 "
- ' # ' # + 3 #
" ( ' # , #
$ - , # ' 7 # " "
# # ' # # '
< ' # & # # #
= * # # " <: 1 3 % #
% 1 . # $ " > # # :
- C
# # + 3 #
# > # "
# / "
# # " # + 3
5 " "
6
6 .
1
3
- 3 + 3
- C ( *
- =
- ( D (
# ×
× − +
D * #
D > & : D + 9 # $ 2 #
#
3 * 3 "
2 9 " 58'/: ;8//: /8'/: 8//: 8'/: #8//: #8'/: ."
1
/0</// / //// /</// //// </// //// <///
# / <=7= = / <=07= / <0//< / <0 7 / <010 / < = 0 / < <<00
/ < / </<< / 7/<=< / 7/ / / 7 11= / 7 = 7 / 7
& / /< 00 / /0== /
00 / = / <117 / 7 / 1/0 / < 1== / <1/ / =1 1< / 1/<1/ / 1 / 117 / / 0/0<7
'
/ =/1 / / / / = 11 / 1 / 7 = / 7==0/
)
/ < = / 0= * / /01 / < / <=<< / 0 / =/ / 11 / 0/=17 / /0= / 7 / 11 / / / / /70
5 ; / = 7 7 / ==1 / 11 /= / 0/=/ / 07 = / 01=1 / =/
/ < 7/0 / <<0 / / == <1 / = 0/ / 1 11 / 1= 07 / 0/=
/
/ 7 7 / 7= 71 / <1< < / = / =71< / =07 < / 1 / = < / =< / </ 11 / <7/ 1 / <11 7 / = 7 1 / =<
7
#
/ // / <=1 / 7777< / 70 < / < 0 < / <<=11 / < 7 = / 707 / 07 / 7=1 / 7 0 / 71/ / / </01 / <71<
&
/ /7 / / 7/< / < 70 / /=< / 7 7 / 7=0 7 / </1=7
'
/ == 7 / / // / =77 / << 1 / 7 / 7 / / 71 00
)
/ / 1/7= / 0<7< / 71 / =77 / 7/7<1 / 77<
- * 5 / /7 / /
7 / <0= / 07 / 0=0 / 1 1 / 7 /7 / /1 / / 1 / / < / 1<= / =7 / <1= /
; #/ / /<=1 / / <7= /
7 / <<1= / 1/< / 01 / 0/ =
2 9 " 8//: 8'/: '8//: '8'/: )8//: )8'/: *8//: ."
1
//// </// <//// <</// =//// =</// 1//// / < 707 / =/ 07 / = < = / = / 1 / = = / = =0 7 / = /0
#
/ 7 < / 7 1 / 7 1 11 / 77 = / 77< <0 / 770 / 7< <17 / = 7 / = / </ =< / < 0 7 / <1 1< / =/ 70 / =7<
& ' / 07 < / 011 / = / / 0<< / /<7/ / /0 1 / <=7
/ </ < / < =7= / =7 1 / =10/7 / 1 / / 17 / 10= <
)
/ = / =7 / 7/ =/ / 7 1= / 71= / < 1/ / <7 71
- *
5 / /0 01 / == / 0</ / =< = / / 7 / 7= / 1= /
/ 70= / 0</< / / <17 / = / 1/0 / /071 / 7=
;
/ / 07 / / 01 01 / < / / /= / /= / / /1== / 7=<1
/ 1<07 / 1 =/ / /= / 7 < / 00= / / 1 / /=1=< / =0 0= / 1 0 / 0770 / 007 / 7 < / =7 = / //7==
#
/ = </ / =1 7/ / 1 / / 0 / 01 07 / == / < 10 / <0==1 / = = / 17=00 / 10111 / 0 0 0 / 01/7 / /
&
' / <717 / <01<1 / 1 / 1 / 1< 1 / 1 <0 / 0 <1< / 010
/ < 7 = / <<</ / =1 70 / 1 =< / 1=7 7 / 0/= 7 / 0<//7
)
* / 70=/0 / < 17 / =< =1 / = =7 / 1 < / 10 / 0 ==
/ 7= / / </ / = 0= / =1< / / 1 00< / 1= 0 / 0/1/=
5
; / 77 7 / 70 0/ / = = / =<1 / 1/ 7 / 17< / / 1 /=1
/ 7 <7 / 7==< / < 1= / =7 / =0==1 / 1 =< / 11= /
#/
- " #
D 3# // /// /// , + - D //K *
> ? D < 3# // /// // / , L / 07 <
( # D D 3# 7 1 0 <=1 ,
! " #
- "
! " $ # "
- %&&'
- ! ( ! #
#" &)* + !+#*!*%&&, #&
- .* + !+#*!*%&&,
" / " "
- "
!
1 #
- #
- ! !
! !
2 (
3
3 #"
#"
4 #"
" " #
- 5
"
- " 5#0
%-
- 3" 3"
#"
6
8
- 7"
"
- 7" " "
# *9
- 7" "
- " " :
- 8
- 7" " "
- 7" " "
- $ "
" # * '
- 7" " "
1" %- ;
8- .& -&& * 7" " " # 5
- " " ;
- &&
" 1"
8-
- ( .
1" 8%
- "
< 1"
/ <
- 0 1"
(
- = / " "
# " "
- 4
- " "
" # $ % &
- )&& &&& > > % .&& &&& 00 - &&& &&& > > - )&& &&& 000 > - &&& &&&
" " " " " "
" " " " 6 " "
"
1
6 6 = ! / " "
" " ! % # ' $ & ! # ! "
, .&& &&& , .&& &&& 00 -- .&& &&& / 000 -? .&& &&& /
= "
1
- ( "
" " 6 4
- " / " "
- (
" ( # $ & "
?- .&& &&& .. &&& &&& 00 %, &&& &&& ?- .&& &&& 000 / %, &&& &&&
" " !
= ! 6 ! 6 !
4 5 " 6 @
6 "
" ! # ! " " $)& " $ & "
'
$'# &" $)& " $ & " ' $'# &
) . .& ,). &&& %& & ?A .&& &&& %& 00 ) . ', ',) .&& %& / / / 000 . & %A A&& &&& %& / / /
B
" " ! $) % ' # & ' #
* + , - . /
- " "
- "
1
)B )B ) -& . -- ). -- ). C C C C C 00 ? .B ? .B ? . . ) . -& -- -- C C C 000 -B -B - % % . ' ' ' ). ? . . . C
C
" *
D " " 6 " "
- "
" "
6 ! " "
D " " 6 ! ( " D " * " 4 "
4 " " D "
( *
% A& .
4 %&
6
- 6 ! -*'
6 % .&& &&& /
" " 5 # "
6
- " 5#0 6 %-
3" " " 7" 8 6 7" " "
- # *9
6 7" " " " : 6 8 6 7" " "
6 7" " " *$ " # * ' 6 7" " " %- ; .& * -&& 6 7" " " # 5
" " ; -&& 3"
- 6
" 1" 8-
6 "
1" 8-
6 ( .
1" 8%
6 "
<
1" / < 6 0 1" (
- "
- %.& &&& / 6 "@ -E 1"
6 " -.& &&& / 6 8(
.&& &&& /6 8
6 6 .&& &&& / 6
- " " "
" "
"
- " "
- "
8 / "
- !
1 / " " " "
- " " " "
- "
- .9 ) ' F "
F ( " 1 "
4
- " 9 "
- #
" " "
- 4 "
"
1
8 # "
8
- ×
= ×
- %
- −
8 G 8 G G 4
- 9 G 1"
- * 3 "
" #
8 # -
" "
1 "
% " "
! ! "
# $ % ! &
' #
( )
& ) *
)
- ) )
)
)
- , % - * . ) # $
% / ( & # ' * & * - * . &
1
- # $ % 2 & ' * - * .
# $ % & 3 / 3 * - * . * 4 ! " !
- " !
5 6 ! 7 * ! ) # 8 !
- " ! 9 ! ! !
- " ! * : ! * ! & * ! ' * - ' *
$ 1 ' * ((
- ' !
" !
- ; & ' * 1 & ' % * ,< = .
,, > 5 * * 7 ' * ,/ 3 / ,2
>
- (
' ' # $ % !
! * & /<,<
! " " # $ % & '
( ) ( ) , " $ + *
- . /"0 1 0
2 + $ -3 !
- , % ) * 4 $
! "' 5 66" 7!! 6 $
8
9
1 1 $ ! " 9 + $ ! " : 1 + 1 /" $ & " ' " "
. & " "
8 % * # + 1 $ .
& " " 8 0 "
- % " " 4 $
8 ; < /" $ 8 + / (
% " " " "
5
1
1 /" $ % & '
;;; 6" = ( ;;; " = "