mereka dapat memberikan manfaat. Mari kita lihatbeberapa rujukan Nikaya berikut ini.Di Samyutta Nikaya 3.2.8 Buddha berkata padaY.M. Ananda:“Sahabat yang baik (yang memahami Dhamma)merupakan keseluruhan daripada pelatihan dalamkehidupan suci.”Anguttara Nikaya 8.54:“Dan apakah persahabatan yang baik itu? Di sini,Byagghapajja, di desa atau kota mana pun perumahtangga itu tinggal, dia bersahabat dengan paraperumah tangga dan putra–putranya, baik mudaatau tua yang mantap dalam moralitas, keyakinan,kemurahan hati, dan kebijaksanaan; dia berbincangdan berdiskusi dengan mereka. Dia berusahamenyamai berkenaan dengan pencapaian merekadalam keyakinan, moralitas, kemurahan hati, dankebijaksanaan. Inilah yang disebut persahabatanyang baik.”Anguttara Nikaya 10.61:“Para bhikkhu, ketika hubungan dengan orangorangyang bijak terjadi, mendengarkan Dhamma7
Understanding the Global Financial Crisis and Its Impact on Maryland 13 whole loan asset management services. In addition to hiring asset managers the U.S.Treasury will likely hire bankers, lawyers, and accountants to manage the program.To restore liquidity and ensure the solvency of major institutions, the Secretary of theU.S. Treasury has indicated that Treasury is considering an option similar to plans undertaken bythe United Kingdom, Iceland, and Italy. The Treasury asserts that TARP gives the departmentthe authority to provide a direct injection of capital into troubled banks. The capital injectionwould likely come by purchasing shares of stock from troubled companies. Providing cashinfusions would improve the solvency of many firms and in turn encourage firms to resumeinter-bank lending. The media reports that the Treasury is examining this option and action maybe imminent.In addition to providing assistance to financial institutions, TARP directs the U.S.Treasury to take steps to maximize assistance for homeowners. These steps include:encouraging the servicers of underlying mortgages to take advantage of the Hope forHomeowners Program under Section 257 of the National Housing Act;authorizing the U.S. Treasury to use loan guarantees and credit enhancements to facilitateloan modifications to prevent avoidable foreclosures. The U.S. Treasury may allow termextensions, rate reductions, principal write-downs, and other modifications;coordinating with the Federal Housing Finance Agency , the FDIC, the Federal Reserveboard, and other federal entities that hold troubled assets to implement measures toreduce the number of foreclosures. These measures may include working with loanservicers to encourage loan modifications.In an effort to curb excessive pay for executives at troubled financial institutions, the billprovides guidance on executive pay and corporate governance. For institutions that the U.S.Treasury buys assets directly, the institution must observe standards limiting incentives, allowingclawback and prohibiting golden parachutes to executives. When the Treasury buys assets atauction, an institution selling more than $300 million in assets is subject to additional taxes,including a 20% excise tax on golden parachute payments triggered by events other thanretirement, and tax deduction limits for compensation limits above $500,000.To ensure proper oversight, the Financial Stability Oversight Board is established toreview and make recommendations on policies adopted under TARP. The Board is to ensurethat policies implemented protect taxpayers, are in the economic interest of the United States,and are in accordance with the Act. The Act also creates a Congressional Oversight Panel toreview the state of the financial markets, the regulatory system, and the use of authority grantedunder TARP. The panel must report to Congress every 30 days and publish a special report onregulatory reform prior to January 1, 2009. In addition to these reports, the CBO and OMB mustreport cost estimates and related information to Congress and the President, and these costestimates must be included in the President’s annual budget submission to Congress.