BERITA ICCC INDONESIA 2011

Edisi JULI
Untuk kalangan sendiri

BERITA INTERN UNTUK ANGGOTA DAN KOMUNIKASI BAGI KALANGAN BISNIS DAN PROFESI KRISTEN

ICCC (INTERNATIONAL CHRISTIAN CHAMBER OF COMEMRCE) ADALAH MIMBAR DIMANA PESAN KRISTUS BAGI KITA DI ZAMAN INI DIJABARKAN, DIBAGIKAN DAN DINYATAKAN TERHADAP DUNIA BISNIS

Shalom saudara-saudaraku yang terkasih!

Seperti melanjutkan nubuat-nubuat dari nabi-nabi yang menyatakan akhir zaman sudah sangat dekat, kita tiap hari mengalami hal-hal tersebut dengan intensitas yang semakin meningkat pula ! Di saat-saat yang lalu kita alami goncangangoncangan alam berupa peperangan , gempabumi, tsunami, banjir dlsb-nya. Sekarang dibidang moralitas kita dikejutkan dengan kebohongankebohongan dan ketidak-jujuran. Yang jujur dikucilkan dan disingkirkan! Saya kira ini akan terus berlanjut sesuai 2Timotius 3:1-7 dimana kita menghadapi masa yang sukar. Memang Kerajaan seribu tahun si Baal akan segera berakhir oleh karena itu si iblis mengambil setiap kesempatan yang singkat ini untuk mewujudkan segala kekacauan di dunia ini! Kita yang tergabung dalam ICCC mempunyai tugas khusus untuk memerangi karya si Baal ini! Bukankah sesuai Yehezkiel 22:30 TUHAN menemukan kita untuk tugas mulia ini? Jangan lupa kita diperintah untuk melaksanakan Amanat Agung (Mat.28:19-20) dan di perlengkapi untuk melaksanakannya (Luk.10: 19) juga punya otoritas seperti Yesus jika anda simak baik-baik Efesus 2: 56 ! Oleh karena itu kita harus lebih aktif melakukan perintah ini khusus di market-place. Kita harus tahu bahwa kepercayaan dan saling menghargai adalah akar pembinaan sosial dan demokrasi. Sekarang diseluruh lapisan mulai generasi muda maupun tua nilai-nilai luhur ini sudah sangat terkikis, mungkin dibidang ini kita dapat memulainya dengan berkomunikasi dengan jujur dan memakai perkataan yang membangun seperti dikatakan Rasul Paulus dalam Kolose 3:17 & 23. Tuhan Yesus memberkati. Bunan Djambek National President ICCC INDONESIA www.iccc-indonesia.com

NATIONAL BOARD
National President Bunan Djambek Vice Presidents: Admin/Secretary Eliezer H. Hardjo Finance/Treasurer: Johanis S. Najoan Membership/Mentoring/ Network Manimbul L. Sitorus Simon Aditan Teaching / Training Benjamin B. Juwono Ridwan Naftali Business Development/ Micro-Enterprise Tonny Soetjoadi Rudolf A.S. Sinaga Intercessors (Mrs.) Josephine S. Sitorus (Ms.) Hermina M. Usmany Eddy S. Kristiawan

Kantor Nasional ICCC Indonesia:

Website: www.iccc-indonesia.com
Pertokoan Pulo Mas Blok B I / 8, Jalan Perintis Kemerdekaan. Jakarta 13260 Telp (021) 4890211, fax: (021) 4722274. E-mail: djambek-plus@cbn.net.id, ehardjo@gmail.com, js.najoan@gmail.com

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INDONESIA
Proyek Pembiakan Lele Proyek percontohan kerjasama pembiakan bibit Lele dengan sebuah gereja telah berjalan dan diharapkan akan memberikan return sesuai dengan estimasi. Bagi yang berminat untuk berpartisipasi silahkan berhubungan dengan Bro. Tonny Soetjoadi V.P. Business Development Mid-Term Seminar ICCC Kembali akan mengadakan Seminar pada bulan September 2011 mendatang. Informasi lebih detail akan kami sampaikan dalam Berita ICCC bulan depan

INTERNATIONAL
Para ICCC Leaders dari seluruh dunia kembali berkumpul dalam ajang International Leaders Gathering di Yerusalem dengan thema: IN THE GRIP OF GODS PURPOSE IN THE ERA OF CHANGE dan agenda sbb: 21 23 Juni 2011: Presidents Conference dialog dengan President Israel Simon Peres 23 25 Juni 2011: International Leaders Conference 26 28 Juni 2011: Leaders Training Kami akan sampaikan kepada anda laporan mengenai pertemuan penting tersebut dalam Berita ICCC Indonesia bulan depan setelah kami menerimanya dari International Office

Ruang Konsultasi Bisnis / Pekerjaan Bagi member yang membutuhkan konsultasi dalam bidang bisnis / pekerjaan silahkan menghubungi via email: ehardjo@gmail.com yang akan kami masukkan dalam kolom konsultasi agar dapat dibaca dan bermanfaat bagi yang lain yang mengalami hal yang sama. Oleh karenanya harus bersifat terbuka, walau identitas (atas permintaan yang bersangkutan) akan kami samarkan. Jawaban atau saran, selain dari National Board, juga dari member lain yang dapat memberi masukan, setelah di edit oleh Redaksi Berita ICCC Indonesia.

Partisipasi ICCC Indonesia dalam WPA 2012 ICCC Indonesia turut serta berpartisipasi dalam mendukung program World Prayer Assembly (WPA) 2012 yang akan diadakan pada bulan Mei 2012

FORUM ANGGOTA
New Members
Selamat bergabung Pak Tendy Irianto

MEMBERSHIP FEE

Bagi anda yang akan memperpanjang kartu keanggotaan anda untuk tahun 2011 sudah dapat dan agar menghubungi Manimbul Luhut Sitorus V.P. Membership melalui HP: 08159694545 atau mengirimkan email ke V.P. Admin/ Secretary (ehardjo@gmail.com)

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Annual Membership Fee untuk tahun 2011 mengikuti peraturan International dalam kategori Developing Nation menjadi Rp. 600.000 dimana US$ 50 dikirim ke Kantor Pusat di Swedia sebagai syarat dan kewajiban International Membership Membership Fee dapat ditransfer ke rekening ICCC Indonesia atau FORUKIN dibawah ini, dan mengirimkan bukti transfernya dengan fax ke alamat yang tercantum paling bawah dari setiap halaman Newsletter ini: Rekening Bank: CIMB NIAGA BANK Cabang Senen - Jakarta No. 200-01-00012-00-0 a/n : Forum Komunikasi Usahawan Kristen Indonesia (FORUKIN).

2. Surya Delapan Mas Tonny Soetjoadi Director Offices: 1. HWI Lindeteves 4th Floor, Block B No. 7 Jalan Hayam Wuruk Jakarta (Barat) 11180 INDONESIA Phone: 062 (21) 6259625 Fax: 062 (21) 6259561 2. Taman Berdikari Santosa Block M No. 16 Jalan Pemuda Jakarta (Timur) 13220 INDONESIA Phone: 062 (21) 4712821 & 91282388 Fax: 062 (21) 4718293 Line of Business: Distribution of Chladianplast Corrugated Roof & Flat sheet for Jakarta Metro & Outer Java and International market

KONTAK BISNIS
1. PT. Chantique Inti Dcor Junias Hidajat Director Offices: JL. Semarang Purwodadi Km 17.8 Gudang No. 8 Kalitengah, Mranggen, Demak 59567, Jawa Tengah Indonesia Phone: +62-24 673 5496 & 673 5498 Fax: +62-24 673 5497 e-mail: chantique@indosat.net.id Website: www.chantique-id.com Line of Business: Manufacture of customize outdoor furniture for hotels and restaurants.

Business Opportunity: Looking for bona-fide Sub-distributors all-over Indonesia as well as outside of Indonesia, preferably having vast networks & experiences in distribution of building materials. Serious inquiry can be directed to Tonny Soetjoadi, Director (tonnystd@indo.net.id or mobile: +62811193202

3. HeavenSpring Consulting & Agencies Co. Eliezer Hernawan Hardjo Ph.D., CM Jalan Pegangsaan Indah Barat B I / 8 Pondok Gading Utama Jakarta 14250 INDONESIA Phone: 062 (21) 4521141 Fax: 062 (21) 4533070 Mobile: (062) 815-13203415

For serious inquiry, please contact: Junias Hidajat E-mail: junias@indosat.net.id Cell: +62 81 2287 1778

E-mail: eliezer@heavenspring.com, ehardjo@gmail.com

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Partners: 1. Institute of Certified Professional Managers James Madison University, VA, USA 2. DF Solusi Consulting Indonesia Line of Business: Business & Management Consulting (Seminar, Training & Consulting)

When Jesus said, No one, He meant what He said! We need to take this Scripture passage literally and seriously. So that we can be sure to do so, lets be sure we understand what Jesus is saying. The key word is serve. What do you believe serve means in this context? The dictionary offers at least six definitions: a) To work for b) To be servant to c) To give homage and obedience d) To be employed as servant e) To act in a particular capacity f) To meet requirements or needs (Source: C12 Briefings)

Bagi member yang berminat untuk dicantumkan dalam kolom ini (free of charge) dimohon untuk meng-update data dan mengirim ke e-mail: ehardjo@gmail.com seperti contoh diatas Nama Perusahaan Person in Charge dan Contact person Alamat lengkap termasuk no. Telepon/fax dan e-mail Line of business Specific products yang ingin ditawarkan (dengan foto kalau ada yang di-compressed)

Why get out of debt?

Dave Ramsey

Two Masters - Which One Do We Serve?

During economic times like these, we can easily go one of two ways in our thinking about money. We will either (1) come to understand, perhaps for the first time, that we can get by surprisingly well with less, or (2) become frustrated, anxious, and perhaps even angry or desperate for the level of income wed previously become accustomed to. In other words, we can recalibrate and draw closer to the Lord, or we can become obsessed with money and see our witness and work for Christ derailed. In Matthew 6:24, Jesus warned, No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money. This is certainly a clear, definitive statement. Notice that Jesus didnt say, A few of you may have trouble serving two masters or Its really hard to serve God and money. His words leave no room for misinterpretation.

God didnt create us so that we could seek our own satisfaction. I believe that God put each person down here for a reason and that reason is to bless others. In doing so, we will be blessed. I have found in my own life that my most joyful moments often revolved around me helping or doing something to benefit another person. Meanwhile, my most painful, sorrowful, and sad moments were taking place when I was thinking about myself. Often times one of the quickest remedies to a struggle that we are having is to get our minds off ourselves and go do something for someone else. Page 4

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So what does this have to do with getting out of debt? A whole lot actually. Your motivation for wanting to get out of debt should go beyond yourself. Sure, it will be awesome when you get to break out of the paycheck-to-paycheck cycle and when you can buy that car with cash, but that is just part of it. God wants to use you to financially bless others! This is a very good thing because: 1. Giving is one of the most fun and self-fulfilling activities you can be a part of. 2. You are storing up treasure in Heaven for eternity, rather than down here for a few more years (Matthew 6:20). 3. Giving is a great way to burn selfishness out of your life. 4. When you give, it will be given back to you in abundance (Luke 6:38)! You must have something to give! If you are like most Christians I have met, you want to be able to give more. You have a good heart and wish you could give more. You really want to be able to bless people and give more to your church. But again, if you are like most that I have met, you are thinking, it is hard enough just to pay the bills each month, let alone give to others the way I would like to. This is exactly why you need to get out of debt! Imagine how much easier it would be to give if you didnt have any credit card payments, or car payments, or even (dare I say it) a mortgage paymentthis has been my motivation over the last few years! This is where you and I are headed! It is not actually our money Our money is really not our own. We are merely stewards of what we have been given by God (read the Parable of the Talents for a refresher.) Even if you insist on saying that you worked hard to earn it, who gave you your brain, the hands you used, and even the air you put in your lungs? We came into the world with nothing, we will leave with nothing. It is all Gods (Psalm 89:11).

We have the priveledge of being stewards. When we are slack or wasteful with our money, it is not our money we are wasting, but Gods. It is not only ourselves that we hinder but others as well. Yes the thought of being out of debt is fun to think about, but the main purpose for our getting out of debt is to benefit the Kingdom of God. God didnt set this thing up so that we just sit back as spectators, and it also isnt just about what we can do with our strength. We have a part to play and so does God. The Bible says that we are co-laborers with Him (1 Corinthians 3:9). We need to be giving to fund and finance the Kingdom of God how much more effective are we going to be if we are out of debt? Psalm 67:7 God blesses us, that all the ends of the earth may fear Him. In the Getting out of Debt series, there are going to be 6 more articles that will walk you through what you need to do to get out of debt. These are the things I am actually doing myself and found them to be the most helpful. Let me warn you upfront, working to be debt free is NOT easy. It requires sacrifices. It requires a fight. But anything in life that is worth having is going to require a fight. You can do all things through Christ who strengthens you!! Dont grow weary in well doing!!
(Kirimkan kutipan, artikel, kata-kata mutiara atau kisah pengalaman anda yang dapat memperkuat iman pembaca Newsletter ini kepada TUHAN baik itu berupa pengalaman pribadi maupun orang lain dengan ciri utama bisnis dan rohani)

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Apa itu ICCC?

Visi ini memanggil para pengusaha dan kaum profesi di seluruh dunia yang terbeban untuk saling berhubungan, bertukar pendapat, memperdagang-kan barang dan menyediakan jasa, saling mendukung dan menguatkan secara rohani dan materi. Berdasarkan eksistensi dari visi itu sendiri memproklamirkan otoritas Kristus yang mutlak diseluruh dunia. Pada intinya ICCC adalah kehendak TUHAN untuk memperluas tali kasih-Nya, melalui gerejaNya, didalam dunia usaha. Hal ini menuntut para pelaku bisnis mencari terlebih dahulu KerajaanNya dan segala Kebenaran-Nya. Urapan tersedia bagi mereka yang dengan mata melihat dan telinga mendengar panggilan jaman. Sebagaimana halnya Raja Daud yang menerima urapan untuk menjadi raja, jauh sebelum dia menjadi Raja, yang keadaan pada saat urapan diberikan sama sekali tidak mungkin bagi Daud untuk menjadi Raja, demikianlah ICCC memanggil para pengusaha Kristen sebelum peristiwanya terjadi untuk mengalami kebebasan masuk ke dalam dimensi baru, dimana sasaran, strategi dan perencanaan bersama-sma diwujudnyatakan sesuai dengan iman di dalam Kristus. ICCC mencanangkan panggilan itu sejalan dengan rencana TUHAN bagi jaman ini sebagai kunci memperoleh berkat dan pertumbuhan dan agar dapat bangkit berkemenangan diatas gelombang ombak yang mengancam.

Forum dimana pesan Kristus untuk zaman ini dijabarkan, disampaikan dan dinyatakan kepada Dunia Bisnis ICCC adalah badan yang independen dan inter-denominasi, bukan menjadi bagian dari suatu gereja tertentu namun ikut melayani gereja yang membutuhkan pelayanan ICCC. ICCC berkantor Pusat di Orebr Swedia dan saat ini telah berada di sekitar 65 negara di lima benua. ICCC Indonesia melakukan berbagai kegiatan dan pelayanan baik terhadap anggota, maupun terhadap dunia bisnis khususnya dalam lingkungan Kristiani.

VISI, MISI DAN TUJUAN ICCC

International Christian Chamber of Commerce (ICCC) lahir dari kepatuhan terhadap visi yang diberikan selama kurun waktu enam tahun kepada seorang usahawan Swedia J. Gunnar Olson, yang diteguhkan dengan nubuatan dan terbukanya pintu kesempatan disekitarnya yang sebelumnya tertutup. ICCC merupakan panggilan yang serius dan menantang bagi pengusaha Kristen untuk mengenali jaman yang sedang kita masuki dan dengan terang dari pengenalan itu memasuki dimensi iman yang baru yang disediakan bagi mereka yang takut akan TUHAN berbicara satu sama lain dan menghormati namaNya. (Maleakhi 3: 16)

Panggilan ICCC: Mereka akan menjadi milik kesayanganKu sendiri, firman TUHAN semesta Alam pada hari yang Kusiapkan. Aku akan mengasihi mereka sama seperti seseorang menyayangi anaknya yang melayani dia. Maka kamu akan melihat kembali perbedaan antara orang benar dan orang fasik, antara orang yang beribadah kepada TUHAN dan orang yang tidak beribadah kepada-Nya. (Maleakhi 3: 17-18)

KEYAKINAN IMAN ICCC:

Satu-satunya TUHAN pencipta segala sesuatu dalam kesatuan Trinitas: Bapa, Anak, dan Roh Kudus. Keilahian TUHAN Yesus Kristus. Kelahiran-Nya dari rahim seorang Perawan. Karya penebusan dosa manusia melalui kematian-Nya diatas kayu salib. Kebangkitan-Nya. Hak otoriatas diri-Nya atas dunia dan Kedatangan-Nya yang kedua kali dalam Kuasa dan Kemuliaan-Nya.

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Alkitab, sepenuhnya sebagai Firman TUHAN yang memberikan inspirasi dan berbagai peraturan bagi kehidupan yang dilandasi iman. Keselamatan pribadi orang berdosa dan kebutuhannya untuk mengalami proses regenerasi melalui karya Roh Kudus dalam menuju menjadikannya sebagai manusia yang dikehendaki oleh TUHAN, seutuhnya.

TWL bagi members secara rutin diadakan pada hari Sabtu ke 2 setiap bulan dan terbuka dan dianjurkan bagi semua member untuk mengikutinya sebagai pembekalan wajib.

Are You Discouraged About Prayer?

Transformed Working Life (TWL) adalah Pelatihan resmi dari Kantor Internasional bagi anggota ICCC dalam memperlengkapi anggota dengan pengetahuan dan pemahaman latar belakang, tujuan dan penerapan prinsipprinsip Kerajaan TUHAN bagi dunia bisnis dan profesi. TWL diperuntukkan bagi anggota dan dapat diikuti secara Cuma-Cuma, namun terbuka juga bagi siapa saja yang berminat untuk mengikutinya.

Please allow me to ask a question. Are you discouraged about prayer; that is, prayer for salvation? The Bible instructs us to go to God beseeching Him for mercy. Have you done this? Some people think that they have; and they have, to some degree. That is, they have gone to God in prayer and they have asked Him for mercy. Actually, I have a friend who knew that he was not saved. Many times he would call me and discuss his problems regarding prayer, especially concerning begging God for salvation. He felt that his heart was not in it and it was not long before he grew tired of asking God for mercy. I wonder how common a problem this is. One of the reasons why someone might get discouraged about prayer and beseeching the Lord for salvation is that some people may have a completely wrong idea when it comes to crying out to God for mercy. They may not understand what the Bible intends by this.

TWL

diselenggarakan dalam bahasa Indonesia dan dilengkapi dengan buku panduannya, yang telah diterjemahkan kedalam Bahasa Indonesia juga, sehingga para peserta betul-betul akan memperoleh manfaat yang besar dan mengalami transformasi dalam kehidupan pribadi maupun bisnisnya. TWL difasilitasi oleh anggota National Board yang terlatih dan dikoordinir oleh V.P. Teaching: Benjamin B. Juwono bersama dengan Teaching Team: Ridwan Naftali Transformed Working Life (TWL) akan ditayangkan dalam salah satu channel di Indonesia agar dapat dimanfaatkan oleh para pebisnis & profesional Kristiani di Indonesia bagaimana menerapkan prinsip-prinsip Kerajaan Tuhan dalam kehidupan berbisnis dan bekerja mereka. Tolong dukung agar maksud ini dapat terealisir di tahun 2011 mendatang.

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Why is it that God permits us this great privilege of approaching Him in prayer and asking Him, crying, and beseeching that He might save us? Why is it that God gives us this great privilege? I hope that no one thinks that this is a formula of some kind to become saved. Many churches today, if not all, have developed a formula for salvation. Sometimes their formula differs from one to another; but still, if you go into any church, they will tell you how you can get saved or greatly imply it, Here is what you have to do. In our day especially, we know that this involves accepting Christ and taking Him to yourself as Saviour, which is an impossibility. No one can bring salvation to themselves. There is no formula. The Bible will not allow it. It is not possible for man to take steps one, two and three, and then have assurance of salvation. No, actually any steps that are taken any formula which outlines work toward salvationis indicative that a person has not become saved, because no work can justify us, neither can crying for mercy; beseeching God for mercy cannot get us saved. There is no way that anyone can bring salvation to themselves. This is why the Ninevites were used of God as an example. Yes, they cried mightily to God for mercy. But they also said, Who can tell if God will turn and repent, and turn away from his fierce anger?; if God will save us, in other words. You see, they knew that they could cry to God because He is a merciful God and He does hear the prayer of some, according to His own purposes. Those whom He will save, He will have mercy on. But they also knew that it could be that God would not have mercy, that He

would not save them. Therefore, they cried, Who can tell if God will turn? It would help us to understand that God permits us sinnersand we are all in the same boatto cry to Him for mercy, because crying for mercy reinforces the truth that, of ourselves, we can do nothing to get ourselves saved. Therefore, we go to God as a beggar, hopefully broken and contrite and weighed down by our sin and the penalty of death for our sin. We go to the Lord, as He permits us to approach Him in this manner, and we say, O Lord, have mercy on me a sinner. There is nothing that I have ever done or can do that should cause You to have mercy. Only for Christs sake and His great mercy do I even ask, because I know that it is completely and entirely 100% in Your hands if I become saved or not. But could You, O Lord, have mercy on me? May it be possible that I might be one of Your elect. Our situation can be likened to a prisoner on death row. Why would a prisoner be on death row? Well, because he is guilty, and we are guilty. We have committed the crime. We have transgressed Gods Law. This is not a mistake; we are not accidentally there on death row. We have truly broken the Law of God and we deserve to die. Justice would be served, actually, if we did die. So we cannot go to God on any kind of a basis believing that He should save us for anything that we might have done. No, He will not listen to that; but we can go to Him for what Christ has done. Just as a prisoner might write a note to a governor requesting pardon, so, too, the Lord allows us to approach Him for pardon for Jesus sake. What kind of a note would a prisoner write? Would he write a note to the governor demanding that he be pardoned, You must set me free so
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that I will not be electrocuted or hung until dead; you must set me free! No, no prisoner would be so stupid as to write such a note as this to a governor, demanding his release. No, a prisoner writes the most respectful of letters and is very appreciative for the possibility that the governor might read his note, Please, oh please, may you pardon me? This would be the outline of the letter. So, too, we can go to God very humbly and very respectfully, knowing that He is upon the throne and that we are a sinful creature, a rebel deserving to die, O Lord, have mercy! Have mercy because I do not deserve your mercy. This is how we go to God. How often should we go to Him and pray in this manner? One time? Someone might think, Well, I asked God for mercy a while back and He never heard me. How about a hundred times? Should we say, I will ask God 100 times? Or a thousand? I do not know how many times my friend went to God asking Him for mercy, but I do know this. We cannot set any limit on God. We cannot say, God, I will ask You for mercy up until a point; but after that, I am done with it! No, we just humbly go to God. By His grace, today is still the day of salvation. We have a little time, a little space between now and the end; between now and May 21st when the door of mercy is shut eternally on this world and on mankind. From now until then, we are permitted to continue to go to Him. This is a great privilege that grows greater each day, because this privilege will be removed after May 21st. But we can go to the Lord right now and say, O Lord, have mercy; please have mercy. Sometimes Jesus would hear someone crying out to Him and act as if He did

not hear. He would test people at times and try them to see if they would get discouraged. Would they stop? Would they go to some other place? May none of us be discouraged. May none of us go anywhere else, for there is no other place. Only Christ has the words of eternal life, and God Himself would have us to continue to keep coming to Him and approaching Him, as we read in Luke 18:1-6: And he spoke a parable to them to this end, that men ought always to pray, and not to faint; Saying, There was in a city a judge, which feared not God, neither regarded man: And there was a widow in that city; and she came to him, saying, Avenge me of my adversary. And he would not for a while: but afterward he said within himself, Though I fear not God, nor regard man; Yet because this widow troubles me, I will avenge her, lest by her continual coming she weary me. And the Lord said, Hear what the unjust judge said. (Luke 18: 1 6) You see, this is an account of an unjust judge. But our Judge is very just. He is very holy and pure and right. The God and judge of all the earth will do right. If this poor widow woman could find her plea finally answered by an unjust judge, may you be encouraged to lay hold of God in prayer and determine, I do not know what is going to happen, but may I not be brought down to the end of my life without earnestly going to the Lord and crying to Him and not fainting. May the Lord have mercy on you. Terimakasih anda telah meluangkan waktu membaca Berita ICCC Indonesia ini dan silahkan mem-forward-nya ke rekan bisnis anda agar memperoleh berkat rohani yang sama. Redaksi

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