The document discusses several topics related to finance and banking in Indonesia:
1. The roles of money in the Indonesian economy including as a medium of exchange, value measure, future payment standard, and store of wealth.
2. The roles of banks and financial institutions in the economy including asset transfer, facilitating transactions, providing liquidity options, and allowing surplus and deficit units to meet indirectly.
3. The differences between banking and non-banking financial institutions in terms of fund collection and allocation.
4. The duties and objectives of Bank Indonesia including establishing monetary policy and payment system regulation, and regulating and supervising banks.
This document summarizes the role of money in the Indonesian economy, the role of banks and financial institutions, the differences between banking and non-banking financial institutions, the duties and objectives of Bank Indonesia, pawnshops according to the Civil Code, Islamic banks, pension funds, and the capital market. It provides examples from Indonesia, including Bank Muamalat Indonesia and PT Adira Dinamika Multi Finance Tbk.
There are 27 public sector banks in India, which are banks where the government holds over 50% stake. This includes 21 nationalized banks and 6 banks in the State Bank of India group. Public sector banks provide various retail and corporate banking services. State Bank of India is India's largest public sector bank, with over $300 billion in assets. It offers a wide range of products like savings accounts, loans, credit cards, and insurance to both individual and business customers. Public sector banks play an important role in the development of the Indian banking sector through financing different sectors of the economy.
Commercial banks in Nepal accept deposits and provide loans to industries, individuals, and traders in order to earn a profit. They offer services like bill and cheque collection, safe deposit boxes, and financial advising. There are currently 26 commercial banks in Nepal headquartered in various cities. The main functions of commercial banks worldwide and in Nepal are accepting various deposit accounts, ensuring the safety of public money, money transfers, lockers, letters of credit, loans, foreign exchange and more. Their primary role is mobilizing savings from the public and providing credit to needy organizations and individuals to productively use those funds. Commercial banks are for-profit institutions that pay interest on deposits and charge higher interest rates on loans, with the interest rate
Internship at nepal rastra bank ( nrb )Pawan Kawan
Nepal Rastra Bank is the central bank of Nepal. The internship report summarizes the organizational profile, job profile and activities performed during a 12-week internship at NRB. Key activities included reconciling pay orders and pension records using the Olympic banking system. Observations highlighted outdated IT equipment and a need for staff training. Feedback recommended improving technology, restructuring jobs, and maintaining equipment. The summary provided an overview of the main topics covered in the internship report.
The document provides an overview of the State Bank of Pakistan (SBP) and its various departments. It begins with an introduction to the SBP, outlining its establishment and governor. It then describes the SBP's primary functions such as issuing currency, acting as banker to the government and lender of last resort. Secondary functions like managing foreign exchange reserves and international relations are also outlined. The document concludes by briefly introducing various departments of the SBP such as the agricultural credit, banking inspection, human resources, information technology and audit departments. It provides a high-level description of the objectives and functions of each department.
Buku asli cii insurance business and finance sample v1Afrianto Budi
The document discusses different types of insurance companies that exist, including proprietary companies, mutual companies, captive insurance companies, and Takaful insurance companies. It explains that proprietary companies have shareholders, mutual companies are owned by policyholders, captive insurance companies are subsidiaries of large companies that insure certain risks of the parent company, and Takaful insurance companies provide insurance based on Islamic principles. The document also discusses the roles of reinsurance companies, brokers, and Lloyd's of London within the insurance marketplace.
This report summarizes a study conducted on customer preferences toward various deposit schemes offered by The Sangamner Merchants’ Co-operative Bank. The report provides background on the bank's history and operations. It describes the bank's deposit products such as savings accounts, fixed deposits, recurring deposits, and more. Research methods including a questionnaire with 90 participants and secondary data collection are discussed. Key findings are that most customers prefer fixed deposits and awareness of deposit schemes could be improved. The report concludes that the bank offers competitive deposit rates and customer satisfaction is generally good.
This document provides background information on National Bank Limited (NBL) in Bangladesh, including its history, vision, mission, objectives, strategies, and corporate culture. It also discusses NBL's future plans and the status of foreign exchange in Bangladesh. Specifically, it notes that NBL was established in 1983 as the first private sector bank in Bangladesh. It aims to provide modern banking services, contribute to the national economy, and ensure high customer service standards. The document also outlines reasons for controlling foreign exchange activities such as stabilizing exchange rates and protecting domestic industries.
This document summarizes the role of money in the Indonesian economy, the role of banks and financial institutions, the differences between banking and non-banking financial institutions, the duties and objectives of Bank Indonesia, pawnshops according to the Civil Code, Islamic banks, pension funds, and the capital market. It provides examples from Indonesia, including Bank Muamalat Indonesia and PT Adira Dinamika Multi Finance Tbk.
There are 27 public sector banks in India, which are banks where the government holds over 50% stake. This includes 21 nationalized banks and 6 banks in the State Bank of India group. Public sector banks provide various retail and corporate banking services. State Bank of India is India's largest public sector bank, with over $300 billion in assets. It offers a wide range of products like savings accounts, loans, credit cards, and insurance to both individual and business customers. Public sector banks play an important role in the development of the Indian banking sector through financing different sectors of the economy.
Commercial banks in Nepal accept deposits and provide loans to industries, individuals, and traders in order to earn a profit. They offer services like bill and cheque collection, safe deposit boxes, and financial advising. There are currently 26 commercial banks in Nepal headquartered in various cities. The main functions of commercial banks worldwide and in Nepal are accepting various deposit accounts, ensuring the safety of public money, money transfers, lockers, letters of credit, loans, foreign exchange and more. Their primary role is mobilizing savings from the public and providing credit to needy organizations and individuals to productively use those funds. Commercial banks are for-profit institutions that pay interest on deposits and charge higher interest rates on loans, with the interest rate
Internship at nepal rastra bank ( nrb )Pawan Kawan
Nepal Rastra Bank is the central bank of Nepal. The internship report summarizes the organizational profile, job profile and activities performed during a 12-week internship at NRB. Key activities included reconciling pay orders and pension records using the Olympic banking system. Observations highlighted outdated IT equipment and a need for staff training. Feedback recommended improving technology, restructuring jobs, and maintaining equipment. The summary provided an overview of the main topics covered in the internship report.
The document provides an overview of the State Bank of Pakistan (SBP) and its various departments. It begins with an introduction to the SBP, outlining its establishment and governor. It then describes the SBP's primary functions such as issuing currency, acting as banker to the government and lender of last resort. Secondary functions like managing foreign exchange reserves and international relations are also outlined. The document concludes by briefly introducing various departments of the SBP such as the agricultural credit, banking inspection, human resources, information technology and audit departments. It provides a high-level description of the objectives and functions of each department.
Buku asli cii insurance business and finance sample v1Afrianto Budi
The document discusses different types of insurance companies that exist, including proprietary companies, mutual companies, captive insurance companies, and Takaful insurance companies. It explains that proprietary companies have shareholders, mutual companies are owned by policyholders, captive insurance companies are subsidiaries of large companies that insure certain risks of the parent company, and Takaful insurance companies provide insurance based on Islamic principles. The document also discusses the roles of reinsurance companies, brokers, and Lloyd's of London within the insurance marketplace.
This report summarizes a study conducted on customer preferences toward various deposit schemes offered by The Sangamner Merchants’ Co-operative Bank. The report provides background on the bank's history and operations. It describes the bank's deposit products such as savings accounts, fixed deposits, recurring deposits, and more. Research methods including a questionnaire with 90 participants and secondary data collection are discussed. Key findings are that most customers prefer fixed deposits and awareness of deposit schemes could be improved. The report concludes that the bank offers competitive deposit rates and customer satisfaction is generally good.
This document provides background information on National Bank Limited (NBL) in Bangladesh, including its history, vision, mission, objectives, strategies, and corporate culture. It also discusses NBL's future plans and the status of foreign exchange in Bangladesh. Specifically, it notes that NBL was established in 1983 as the first private sector bank in Bangladesh. It aims to provide modern banking services, contribute to the national economy, and ensure high customer service standards. The document also outlines reasons for controlling foreign exchange activities such as stabilizing exchange rates and protecting domestic industries.
Anuradha submitted a company profile for Dena Bank, a financial commercial bank founded in 1938 and headquartered in Mumbai. The profile describes Dena Bank's history, features as a bank such as accepting deposits and granting loans, and milestones such as receiving a World Bank loan for technological upgrades. It also outlines Anuradha's 2-month internship under the guidance of Anand V. Koli, Senior Manager of Dena Bank's New Gamdevi branch, and some of her roles including cheque clearing and assisting customers.
1. The Reserve Bank of India has directed all scheduled commercial banks to reduce the period for payment of cheques, drafts, pay orders, and banker's cheques from six months to three months from the date of the instrument.
2. This change is being made because some people were taking undue advantage of cheques circulating in the market like cash for six months.
3. Banks must ensure strict compliance with this new directive and notify holders by printing or stamping on new instruments issued on or after April 1, 2012 that presentment must be made within three months.
Crisil anticipates that banks will sharply increase deposit rates in the second half of the year as credit growth is expected to pick up. RBI has outlined plans to upgrade rural banks across India by providing them with technical and financial support totaling 100 crore rupees. RBI has also warned banks to limit investments in zero coupon bonds due to the high risks involved, especially for long term bonds.
Syndicate Bank was established in 1925 in Udupi, Karnataka by three visionaries to provide financial assistance to local weavers. It began operating with a capital of Rs. 8000 and collected small daily savings from customers through agents. Over 80 years it has grown into a large public sector bank with over 25,000 employees, operating nationwide with a focus on rural and semi-urban areas. It provides a range of personal, agricultural and commercial loans as well as savings accounts and has implemented a Centralized Banking Solution across its branches.
Machhapuchchhre Bank limited summer internship reportAkash Sarraf
This document is a project report submitted by Akash Swarnakar for their Bachelor of Business Administration degree. It discusses the customer service department of Machhapuchchhre Bank Limited in Birjung, Nepal. The report includes an introduction to the banking system in Nepal and Machhapuchchhre Bank, as well as chapters that will analyze the customer service department through research and surveys. The report is intended to fulfill degree requirements with guidance from Prof. Kapil Sharma.
The State Bank of India was formed in 1955 through the nationalization and amalgamation of the Imperial Bank of India, which itself was formed in 1921 by merging the Bank of Bengal, Bank of Madras, and Bank of Bombay. SBI is headquartered in Mumbai, India and has over 14,800 domestic branches and 186 foreign branches, employing over 228,000 people. SBI operates several domestic and international banking subsidiaries that offer services including investment banking, asset management, life and general insurance, and credit cards.
This document provides a training manual for the "Economic and Financial Literacy Agents in Factories" program. The manual covers topics related to money and banking, the banker-customer relationship, banking functions, and the role of agent banking. It is intended for individuals who have completed basic economic and financial literacy training and want to work as agent bankers. The manual includes modules that define key concepts, objectives, discussion questions, and essential points about various banking topics and the responsibilities of agent bankers.
Here are the key objectives of the study:
1. To gain practical knowledge about the overall banking system and operations of NCC Bank Ltd.
2. To understand the various products and services offered by NCC Bank to its customers.
3. To analyze the different banking activities performed at NCC Bank such as account opening, remittance, loans and advances, foreign exchange etc.
4. To identify the strengths and weaknesses of NCC Bank in delivering quality banking services.
5. To provide recommendations for improvement based on findings from the study.
The overall aim is to learn about real-world banking practices through this internship experience at NCC Bank and prepare an informative report on the bank's
This document discusses offshore banking in Bangladesh. It begins with an introduction to offshore banking and definitions. It then outlines the objectives and research methodology of studying offshore banking. Some key points made include benefits of offshore banking such as protecting capital and access to international opportunities. Criticisms include difficulties setting up accounts and potential associations with crime. The document also details the evolution and current state of offshore banking in Bangladesh, including the local and foreign banks involved. It concludes by noting offshore banking offers numerous services but regulations vary between nations.
This presentation summarizes the general banking activities of Southeast Bank Limited in Bangladesh. It introduces the bank, its mission and vision, organizational structure, products and services. It describes the key functions of the general banking department including account opening and transactions, remittance services, clearing activities and other services. Finally, it discusses some findings from the author's internship experience and provides recommendations to improve customer service and promote the bank.
This document provides background information on the internship program and objectives of the study. It discusses the internship placement at Kumari Bank Limited in the Credit Administration and Control Department (CACD).
The internship aims to fulfill BBA program requirements, provide practical experience, and allow students to apply theoretical knowledge. Specific objectives are to observe the work environment and general banking procedures of CACD, identify Kumari Bank's products and services, and develop interpersonal and managerial skills.
Over the course of the 8-week internship, the intern participated in daily CACD activities like credit monitoring, document execution, and reporting. Data was collected through observation and queries during the internship, as well as from
The document is an internship presentation for a student's internship at Agrani Bank Limited. It provides an overview of the bank's general banking activities. It discusses Agrani Bank's organizational structure, including its vision, mission, and SWOT analysis. It also describes the key departments in general banking - customer service management, cash, clearing, and local remittance sections. It outlines the processes for opening accounts, cash receipt and payment, clearing activities, and local remittances. The purpose is for the student to gain practical knowledge about Agrani Bank's operations during their internship.
General banking activities and financial analysis of Agrani Bank LtdShah Meraz Rizvi
This internship report summarizes the general banking activities and financial analysis of Agrani Bank Limited conducted by Md. Shah Meraz Rizvi for his Bachelor's degree. The report includes an analysis of ABL's organizational structure, general banking operations across departments like cash, clearing and remittance. It also performs a financial analysis of ABL using ratios like return on equity, assets, net interest margin and earnings per share. The concluding chapters discuss Rizvi's internship experience, findings on ABL's shortcomings and recommendations to address them.
1. The daily order from the High Court of Karnataka discusses issues related to migrant workers in the state during the COVID-19 pandemic.
2. It notes the responses from the state and central governments and identifies further actions needed to assist migrant workers wishing to return to their home states, including ensuring they are informed of transportation options and addressing any inability to pay train fares.
3. The order also seeks additional details from the Bangalore Metro Rail Corporation on measures taken to support its workers during the pandemic, including on food, wages, and compliance with prior court directions.
This document is an internship report submitted by Md Abdul Mobin to fulfill the requirements of a Bachelor's degree in Economics and Banking from the International Islamic University Chittagong. The report focuses on the general banking operations of Pubali Bank Limited's Sitakunda branch in Chittagong. It provides an overview of the bank, describes the functions and processes of general banking departments like deposits, remittance, clearing and cash. The report also analyzes the branch's performance in key areas from 2015 to 2019 and identifies some issues with recommendations for improvement.
This document provides an overview of National Bank Limited (NBL), Bangladesh's first private sector commercial bank. It discusses NBL's history, mission, vision, strategic priorities, core values, and organizational structure. The document also describes NBL's capital structure, training institute, and various departments. Key points include:
- NBL was established in 1983 as Bangladesh's first privately-owned commercial bank. It has since expanded to over 100 branches across Bangladesh.
- NBL's mission is to provide transparent and accountable financial services to customers while contributing to Bangladesh's economy. Its vision is to establish itself as a leading bank through technology and customer service.
- The bank has a three-tier organizational structure headed
Tourism Development Bank Ltd. (TDBL) was established in 2010 as a development bank in Nepal focused on tourism and infrastructure development. [1] TDBL has 15 branches across Nepal and aims to provide banking services to underserved populations. [2] It offers various savings accounts, fixed deposits, loans, remittance services, and other products. [3] TDBL's organizational structure is relatively flat, with the branch manager overseeing departments for customer service, cash, gold loans, and credit. [4] The bank aims to expand financial access and support Nepal's economic growth.
This document contains an analysis of NCC Bank including its strengths, weaknesses, opportunities, and threats (SWOT). It summarizes that NCC Bank has strengths like capital adequacy and growth in remittances but weaknesses like less exposure in retail banking and increasing non-performing loans. Opportunities for the bank include potential in small and medium enterprise lending and mobile banking. Threats include aggressive competition from new banks and high levels of non-performing loans across the banking sector. The document recommends that NCC Bank reduce non-performing loans, increase retail banking exposure, and leverage opportunities in small business lending.
This document discusses pension funds in Indonesia. It defines pension funds and outlines their history and purpose, which is to provide welfare for employees after retirement. There are two main types of pension plans: defined benefit plans where payouts are based on a formula related to salary and tenure, and defined contribution plans where payouts depend on accumulated contributions and investment returns. The document also discusses rules and regulations for pension funds, eligibility, benefits, funding sources, investment management, and forms of investment.
This document discusses Islamic banking/sharia banking in Indonesia. It provides definitions and explanations of sharia banking principles, the history and legal basis for sharia banks in Indonesia, the differences between sharia and conventional banks, sharia banking concepts and systems, murabahah financing schemes, the need for regulation and supervision of sharia banks, and relevant sections of Indonesian banking laws regarding sharia banking principles and financing.
The document discusses the concept of Islamic banking/sharia banking which operates based on sharia principles from the Quran and hadith. It outlines the history and legal basis of Islamic banking in Indonesia, highlighting several important laws. It also explains the differences between sharia banking and conventional banking in terms of contracts, legal framework, organizational structure, investment principles, and customer relationships. Finally, it discusses Bank Indonesia's role in regulating and supervising sharia banking in Indonesia.
Anuradha submitted a company profile for Dena Bank, a financial commercial bank founded in 1938 and headquartered in Mumbai. The profile describes Dena Bank's history, features as a bank such as accepting deposits and granting loans, and milestones such as receiving a World Bank loan for technological upgrades. It also outlines Anuradha's 2-month internship under the guidance of Anand V. Koli, Senior Manager of Dena Bank's New Gamdevi branch, and some of her roles including cheque clearing and assisting customers.
1. The Reserve Bank of India has directed all scheduled commercial banks to reduce the period for payment of cheques, drafts, pay orders, and banker's cheques from six months to three months from the date of the instrument.
2. This change is being made because some people were taking undue advantage of cheques circulating in the market like cash for six months.
3. Banks must ensure strict compliance with this new directive and notify holders by printing or stamping on new instruments issued on or after April 1, 2012 that presentment must be made within three months.
Crisil anticipates that banks will sharply increase deposit rates in the second half of the year as credit growth is expected to pick up. RBI has outlined plans to upgrade rural banks across India by providing them with technical and financial support totaling 100 crore rupees. RBI has also warned banks to limit investments in zero coupon bonds due to the high risks involved, especially for long term bonds.
Syndicate Bank was established in 1925 in Udupi, Karnataka by three visionaries to provide financial assistance to local weavers. It began operating with a capital of Rs. 8000 and collected small daily savings from customers through agents. Over 80 years it has grown into a large public sector bank with over 25,000 employees, operating nationwide with a focus on rural and semi-urban areas. It provides a range of personal, agricultural and commercial loans as well as savings accounts and has implemented a Centralized Banking Solution across its branches.
Machhapuchchhre Bank limited summer internship reportAkash Sarraf
This document is a project report submitted by Akash Swarnakar for their Bachelor of Business Administration degree. It discusses the customer service department of Machhapuchchhre Bank Limited in Birjung, Nepal. The report includes an introduction to the banking system in Nepal and Machhapuchchhre Bank, as well as chapters that will analyze the customer service department through research and surveys. The report is intended to fulfill degree requirements with guidance from Prof. Kapil Sharma.
The State Bank of India was formed in 1955 through the nationalization and amalgamation of the Imperial Bank of India, which itself was formed in 1921 by merging the Bank of Bengal, Bank of Madras, and Bank of Bombay. SBI is headquartered in Mumbai, India and has over 14,800 domestic branches and 186 foreign branches, employing over 228,000 people. SBI operates several domestic and international banking subsidiaries that offer services including investment banking, asset management, life and general insurance, and credit cards.
This document provides a training manual for the "Economic and Financial Literacy Agents in Factories" program. The manual covers topics related to money and banking, the banker-customer relationship, banking functions, and the role of agent banking. It is intended for individuals who have completed basic economic and financial literacy training and want to work as agent bankers. The manual includes modules that define key concepts, objectives, discussion questions, and essential points about various banking topics and the responsibilities of agent bankers.
Here are the key objectives of the study:
1. To gain practical knowledge about the overall banking system and operations of NCC Bank Ltd.
2. To understand the various products and services offered by NCC Bank to its customers.
3. To analyze the different banking activities performed at NCC Bank such as account opening, remittance, loans and advances, foreign exchange etc.
4. To identify the strengths and weaknesses of NCC Bank in delivering quality banking services.
5. To provide recommendations for improvement based on findings from the study.
The overall aim is to learn about real-world banking practices through this internship experience at NCC Bank and prepare an informative report on the bank's
This document discusses offshore banking in Bangladesh. It begins with an introduction to offshore banking and definitions. It then outlines the objectives and research methodology of studying offshore banking. Some key points made include benefits of offshore banking such as protecting capital and access to international opportunities. Criticisms include difficulties setting up accounts and potential associations with crime. The document also details the evolution and current state of offshore banking in Bangladesh, including the local and foreign banks involved. It concludes by noting offshore banking offers numerous services but regulations vary between nations.
This presentation summarizes the general banking activities of Southeast Bank Limited in Bangladesh. It introduces the bank, its mission and vision, organizational structure, products and services. It describes the key functions of the general banking department including account opening and transactions, remittance services, clearing activities and other services. Finally, it discusses some findings from the author's internship experience and provides recommendations to improve customer service and promote the bank.
This document provides background information on the internship program and objectives of the study. It discusses the internship placement at Kumari Bank Limited in the Credit Administration and Control Department (CACD).
The internship aims to fulfill BBA program requirements, provide practical experience, and allow students to apply theoretical knowledge. Specific objectives are to observe the work environment and general banking procedures of CACD, identify Kumari Bank's products and services, and develop interpersonal and managerial skills.
Over the course of the 8-week internship, the intern participated in daily CACD activities like credit monitoring, document execution, and reporting. Data was collected through observation and queries during the internship, as well as from
The document is an internship presentation for a student's internship at Agrani Bank Limited. It provides an overview of the bank's general banking activities. It discusses Agrani Bank's organizational structure, including its vision, mission, and SWOT analysis. It also describes the key departments in general banking - customer service management, cash, clearing, and local remittance sections. It outlines the processes for opening accounts, cash receipt and payment, clearing activities, and local remittances. The purpose is for the student to gain practical knowledge about Agrani Bank's operations during their internship.
General banking activities and financial analysis of Agrani Bank LtdShah Meraz Rizvi
This internship report summarizes the general banking activities and financial analysis of Agrani Bank Limited conducted by Md. Shah Meraz Rizvi for his Bachelor's degree. The report includes an analysis of ABL's organizational structure, general banking operations across departments like cash, clearing and remittance. It also performs a financial analysis of ABL using ratios like return on equity, assets, net interest margin and earnings per share. The concluding chapters discuss Rizvi's internship experience, findings on ABL's shortcomings and recommendations to address them.
1. The daily order from the High Court of Karnataka discusses issues related to migrant workers in the state during the COVID-19 pandemic.
2. It notes the responses from the state and central governments and identifies further actions needed to assist migrant workers wishing to return to their home states, including ensuring they are informed of transportation options and addressing any inability to pay train fares.
3. The order also seeks additional details from the Bangalore Metro Rail Corporation on measures taken to support its workers during the pandemic, including on food, wages, and compliance with prior court directions.
This document is an internship report submitted by Md Abdul Mobin to fulfill the requirements of a Bachelor's degree in Economics and Banking from the International Islamic University Chittagong. The report focuses on the general banking operations of Pubali Bank Limited's Sitakunda branch in Chittagong. It provides an overview of the bank, describes the functions and processes of general banking departments like deposits, remittance, clearing and cash. The report also analyzes the branch's performance in key areas from 2015 to 2019 and identifies some issues with recommendations for improvement.
This document provides an overview of National Bank Limited (NBL), Bangladesh's first private sector commercial bank. It discusses NBL's history, mission, vision, strategic priorities, core values, and organizational structure. The document also describes NBL's capital structure, training institute, and various departments. Key points include:
- NBL was established in 1983 as Bangladesh's first privately-owned commercial bank. It has since expanded to over 100 branches across Bangladesh.
- NBL's mission is to provide transparent and accountable financial services to customers while contributing to Bangladesh's economy. Its vision is to establish itself as a leading bank through technology and customer service.
- The bank has a three-tier organizational structure headed
Tourism Development Bank Ltd. (TDBL) was established in 2010 as a development bank in Nepal focused on tourism and infrastructure development. [1] TDBL has 15 branches across Nepal and aims to provide banking services to underserved populations. [2] It offers various savings accounts, fixed deposits, loans, remittance services, and other products. [3] TDBL's organizational structure is relatively flat, with the branch manager overseeing departments for customer service, cash, gold loans, and credit. [4] The bank aims to expand financial access and support Nepal's economic growth.
This document contains an analysis of NCC Bank including its strengths, weaknesses, opportunities, and threats (SWOT). It summarizes that NCC Bank has strengths like capital adequacy and growth in remittances but weaknesses like less exposure in retail banking and increasing non-performing loans. Opportunities for the bank include potential in small and medium enterprise lending and mobile banking. Threats include aggressive competition from new banks and high levels of non-performing loans across the banking sector. The document recommends that NCC Bank reduce non-performing loans, increase retail banking exposure, and leverage opportunities in small business lending.
This document discusses pension funds in Indonesia. It defines pension funds and outlines their history and purpose, which is to provide welfare for employees after retirement. There are two main types of pension plans: defined benefit plans where payouts are based on a formula related to salary and tenure, and defined contribution plans where payouts depend on accumulated contributions and investment returns. The document also discusses rules and regulations for pension funds, eligibility, benefits, funding sources, investment management, and forms of investment.
This document discusses Islamic banking/sharia banking in Indonesia. It provides definitions and explanations of sharia banking principles, the history and legal basis for sharia banks in Indonesia, the differences between sharia and conventional banks, sharia banking concepts and systems, murabahah financing schemes, the need for regulation and supervision of sharia banks, and relevant sections of Indonesian banking laws regarding sharia banking principles and financing.
The document discusses the concept of Islamic banking/sharia banking which operates based on sharia principles from the Quran and hadith. It outlines the history and legal basis of Islamic banking in Indonesia, highlighting several important laws. It also explains the differences between sharia banking and conventional banking in terms of contracts, legal framework, organizational structure, investment principles, and customer relationships. Finally, it discusses Bank Indonesia's role in regulating and supervising sharia banking in Indonesia.
This document provides an overview of mutual funds including:
- What they are and how they work by pooling investor money and investing in securities to diversify risk
- How they have grown in India over various phases since the 1960s
- The organization structure involving sponsors, trustees, asset management companies, custodians and registrars
- Key concepts like NAV, loads, and expense ratios
- Advantages like professional management, diversification, liquidity
- Recent regulatory changes by SEBI and new players entering the market
The document discusses various principles and concepts related to management and entrepreneurship development. It covers topics like organizing, directing, coordinating, controlling, and principles of insurance. It also describes initiatives by the Indian government to promote entrepreneurship like Startup India and Standup India. The objectives of these schemes are to simplify processes, provide funding and incentives, and facilitate industry-academia partnerships to encourage entrepreneurship in India.
IDFC Cash Fund_Scheme information documentIDFCJUBI
1. The document provides information about the IDFC Cash Fund liquid scheme, including its investment objective to generate short term optimal returns with stability and high liquidity through investments in money market and debt instruments with maturity up to 91 days.
2. The scheme offers daily, weekly, monthly and periodic dividend payout and reinvestment options under the regular and direct plans, as well as a separate unclaimed amount plan.
3. Key details around the scheme's portfolio, benchmark, fund managers and past performance are provided to help investors understand if it meets their investment needs.
IDFC Cash Fund_Scheme information documentJubiIDFCDebt
The document provides information on the IDFC Cash Fund scheme. Some key points:
- The scheme aims to generate optimal short term returns with stability and high liquidity by investing in money market and debt instruments with maturity up to 91 days.
- It offers daily, weekly, monthly and periodic dividend options as well as growth option under the regular and direct plans.
- The benchmark is Crisil Liquid Fund Index and it seeks to generate returns comparable to it with low risk.
- The minimum investment amounts are Rs. 100 for additional purchases and Rs. 500 for redemptions.
Case Study On Successful Journey of REPCO Bank In India With Specific Referen...VARUN KESAVAN
Repco Bank (Repatriates Cooperative and Finance and Development Bank) is a cooperative bank established by the Government of India in 1969 to improve financial needs of repatriates from Sri Lanka and Burma.[1] It has been controlled by the Ministry of Home Affairs and operated only in the South Indian states of Andhra Pradesh, Karnataka, Kerala and Tamil Nadu.[1][2] As of 2014, the shares of the bank are Government of India has 73.33%, repatriates has 21.28% and state governments Tamil Nadu has 2.91%, Andhra Pradesh has 1.73%, Kerala has 0.59% and Karanataka has 0.17%.[3]
IDFC Bond Fund Short Term Plan_Scheme information documentIDFCJUBI
The document summarizes three debt schemes offered by IDFC Bond Fund: Short Term Plan, Medium Term Plan, and Income Plan. The Short Term Plan invests in debt and money market instruments with a portfolio Macaulay duration of 1-3 years. The Medium Term Plan's portfolio duration is 3-4 years. The Income Plan seeks medium to long term returns with a portfolio duration of 4-7 years. All three plans aim to generate optimal returns for their investment horizon while maintaining portfolio diversification and aim to manage risk for investors.
IDFC Bond Fund Income Plan_Scheme information documentTesssttest
The document provides details about the IDFC Bond Fund scheme, which offers three plans - Short Term Plan, Medium Term Plan and Income Plan.
The Short Term Plan aims to generate optimal returns over the short term by investing in debt and money market instruments with a Macaulay duration of 1-3 years. The Medium Term Plan seeks returns over the medium term with a duration of 3-4 years, while the Income Plan targets medium to long term returns with a 4-7 year duration.
All plans carry risks typical of debt mutual funds like interest rate, liquidity and credit risks. The document outlines various standard risks associated with mutual fund investments and notes that past performance is not indicative of future returns.
IDFC Bond Fund Short Term Plan_Scheme information documentTravisBickle19
The document provides details about the IDFC Bond Fund scheme, which offers three plans - Short Term Plan, Medium Term Plan and Income Plan.
The Short Term Plan aims to generate optimal returns over the short term by investing in debt and money market instruments with a Macaulay duration of 1-3 years. The Medium Term Plan seeks returns over the medium term with a duration of 3-4 years, while the Income Plan targets medium to long term returns with a 4-7 year duration.
All plans carry risks typical of debt mutual funds like interest rate, liquidity and credit risks. The document outlines various standard risks for investors and notes that past performance is not indicative of future returns. It provides details on asset allocation
IDFC Bond Fund Medium Term Plan_Scheme information documentIDFCJUBI
The document summarizes three debt schemes offered by IDFC Bond Fund: Short Term Plan, Medium Term Plan, and Income Plan. The Short Term Plan invests in debt and money market instruments with a portfolio Macaulay duration of 1-3 years. The Medium Term Plan's portfolio duration is 3-4 years. The Income Plan seeks medium to long term returns with a portfolio duration of 4-7 years. All three plans aim to generate optimal returns for their investment horizon while maintaining portfolio diversification and aim to manage risk for investors.
IDFC Bond Fund Medium Term Plan_Scheme information documentTravisBickle19
The document provides details about the IDFC Bond Fund scheme, which offers three plans - Short Term Plan, Medium Term Plan and Income Plan.
The Short Term Plan aims to generate optimal returns over the short term by investing in debt and money market instruments with a Macaulay duration of 1-3 years. The Medium Term Plan seeks to generate optimal returns over the medium term by investing in debt and money market instruments with a Macaulay duration of 3-4 years. The Income Plan aims to generate optimal returns over the medium to long term by investing in debt and money market instruments with a Macaulay duration of 4-7 years.
The document outlines the investment objective, asset allocation, investment strategies, benchmark, fund managers
IDFC Bond Fund Income Plan_Scheme information documentJubiIDFCDebt
The document provides details about the IDFC Bond Fund scheme, which offers three plans - Short Term Plan, Medium Term Plan and Income Plan.
The Short Term Plan aims to generate optimal returns over the short term by investing in debt and money market instruments with a Macaulay duration of 1-3 years. The Medium Term Plan seeks returns over the medium term with a duration of 3-4 years, while the Income Plan targets medium to long term returns with a 4-7 year duration.
All plans carry risks typical of debt mutual funds like interest rate, liquidity and credit risks. The document outlines various standard risks for investors to be aware of and notes that past performance is not indicative of future returns. Suy
IDFC Bond Fund Short Term Plan_Scheme information documentJubiIDFCDebt
The document provides details about the IDFC Bond Fund scheme, which offers three plans - Short Term Plan, Medium Term Plan and Income Plan.
The Short Term Plan aims to generate optimal returns over the short term by investing in debt and money market instruments with a Macaulay duration of 1-3 years. The Medium Term Plan seeks to generate optimal returns over the medium term by investing in debt and money market instruments with a Macaulay duration of 3-4 years. The Income Plan aims to generate optimal returns over the medium to long term by investing in debt and money market instruments with a Macaulay duration of 4-7 years.
The document outlines the investment objective, asset allocation, investment strategies, benchmark, fund managers
IDFC Bond Fund Income Plan_Scheme information documentIDFCJUBI
The document summarizes three debt schemes offered by IDFC Bond Fund: Short Term Plan, Medium Term Plan, and Income Plan. The Short Term Plan invests in debt and money market instruments with a portfolio Macaulay duration of 1-3 years. The Medium Term Plan's portfolio duration is 3-4 years. The Income Plan seeks medium to long term returns with a portfolio duration of 4-7 years. All three plans aim to generate optimal returns for their investment horizon while maintaining portfolio diversification and aim to manage risk for investors.
IDFC Bond Fund Medium Term Plan_Scheme information documentJubiIDFCDebt
The document provides details about the IDFC Bond Fund scheme, which offers three plans - Short Term Plan, Medium Term Plan and Income Plan.
The Short Term Plan aims to generate optimal returns over the short term by investing in debt and money market instruments with a Macaulay duration of 1-3 years. The Medium Term Plan seeks returns over the medium term with a duration of 3-4 years, while the Income Plan targets medium to long term returns with a 4-7 year duration.
All plans carry risks typical of debt mutual funds like interest rate, liquidity and credit risks. The document outlines various standard risks associated with mutual fund investments and notes that past performance is not indicative of future returns. Investment in the
IDFC Large Cap Fund_Scheme information documentRahulpathak154
The document summarizes the key details of the IDFC Large Cap Fund scheme. It is an open-ended equity scheme predominantly investing in large cap stocks with the investment objective to generate capital growth. The scheme offers two plans - Regular and Direct, with growth and dividend options. The minimum investment amounts are provided. The scheme will benchmark its performance against the S&P BSE 100 TRI and is managed by Mr. Sumit Agrawal and Mr. Arpit Kapoor.
IDFC Large Cap Fund _Scheme information documentJubiIDFCEquity
The document provides details about the IDFC Large Cap Fund scheme. Some key points:
- The scheme aims to generate capital growth by predominantly investing in large cap stocks.
- It has two plans - Regular and Direct, each offering growth and dividend options.
- The minimum investment amounts are specified for various transaction types.
- The benchmark for performance comparison is S&P BSE 100 TRI.
- The scheme is managed by Mr. Sumit Agrawal and Mr. Arpit Kapoor.
The document summarizes the key details of the IDFC Large Cap Fund scheme. It is an open-ended equity scheme predominantly investing in large cap stocks with the investment objective to generate capital growth. The scheme offers two plans - Regular and Direct, with growth and dividend options. The minimum investment amounts are provided. The scheme will benchmark its performance against the S&P BSE 100 TRI and is managed by Mr. Sumit Agrawal and Mr. Arpit Kapoor. There are no entry or exit loads for the scheme.
24. Tugas final blkl (rahul azmi 1902120134)nadya faradini
Ringkasan dokumen:
Tugas akhir semester berisi jawaban soal-soal ujian akhir semester mata kuliah Bank dan Lembaga Keuangan. Soal-soal meliputi perbedaan bank umum dan BPR, jaminan kredit, perhitungan cicilan kredit, manfaat kartu kredit, bonus rekening giro, pengertian bank syariah, kriteria kredit layak, kesehatan bank.
Dokumen tersebut merupakan laporan ujian akhir semester untuk mata kuliah Bank dan Lembaga Keuangan untuk mahasiswa bernama Andrea Fitra dengan NPM 1902120228. Laporan tersebut berisi soal-soal ujian beserta jawaban serta kesan selama mengikuti perkuliahan secara daring selama masa pandemi.
Teks tersebut merupakan pengalaman selama kuliah di kampus, dimana banyak bertemu teman baru dengan karakteristik yang beragam. Dosen-dosen komunikasi memberikan semangat dan dorongan untuk terus belajar. Untuk teman-teman yang masih kuliah, tetap semangat dan jangan menyerah.
20. Muntazir (1902120136) ujian blkl - Universitas Muhammadiyah Acehnadya faradini
Ringkasan dokumen:
1. Dokumen berisi uraian soal ujian akhir semester mata kuliah Bank dan Lembaga Keuangan yang terdiri dari 8 soal beserta jawabannya.
Dokumen tersebut berisi soal ujian akhir mata kuliah Bank dan Lembaga Keuangan Lainnya. Soal tersebut meliputi pengertian peran uang dan peranan bank serta lembaga keuangan lainnya, perbedaan lembaga keuangan perbankan dan non perbankan, tugas Bank Indonesia, pengertian gadai dan perum pegadaian, bank syariah, dana pensiun, pasar modal, lembaga pembiayaan konsumen, asuransi, dan koperasi.
Dokumen tersebut merupakan jawaban mahasiswa bernama Alfian Setiawan untuk ujian akhir mata kuliah Bank dan Lembaga Keuangan lainnya. Jawaban tersebut mencakup penjelasan mengenai peran uang, peranan bank dan lembaga keuangan, perbedaan keuangan perbankan dan non perbankan, tugas Bank Indonesia, gadai menurut KUHPer, bank syariah, dana pensiun, pasar modal, lembaga pembiayaan konsumen, asuransi dan koperasi
15. khairul fahmi 1402120277 - ujian final blklnadya faradini
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
13. m.ilham safana ( 1902120094 ) final blklnadya faradini
Dokumen tersebut berisi soal ujian akhir semester mata kuliah Bank dan Lembaga Keuangan Lainnya. Soal terdiri dari 9 butir yang membahas tentang peran uang, peranan bank dan lembaga keuangan, perbedaan keuangan perbankan dan non perbankan, tugas Bank Indonesia, gadai menurut UU Perdata dan Perum Pegadaian, bank syariah, dana pensiun, pasar modal, dan lembaga pembiayaan konsumen.
Dokumen tersebut merupakan soal ujian akhir semester mata kuliah Bank dan Lembaga Keuangan yang berisi 11 pertanyaan mengenai berbagai lembaga keuangan di Indonesia seperti bank, pasar modal, asuransi, pegadaian dan koperasi beserta penjelasan mengenai peran, contoh perusahaan dan tata cara operasionalnya.
Teks tersebut merupakan jawaban mahasiswa terhadap beberapa pertanyaan mengenai konsep-konsep ekonomi dan keuangan seperti peran uang, peran bank dan lembaga keuangan, perbedaan keuangan perbankan dan non perbankan, tugas Bank Indonesia sebagai bank sentral, konsep gadai, bank syariah, dana pensiun, pasar modal, dan lembaga pembiayaan konsumen. Mahasiswa menjelaskan konsep-konsep tersebut beserta contoh perusahaan dan tata cara
8. ujian final blkl, raja muhammad wellyansyah 1902120295nadya faradini
Dokumen tersebut membahas mengenai:
1. Peran uang dan lembaga keuangan dalam perekonomian
2. Perbedaan keuangan perbankan dan non perbankan
3. Tugas Bank Indonesia sebagai bank sentral
Dokumen tersebut berisi soal ujian akhir semester mata kuliah Bank dan Lembaga Keuangan Lainnya. Soal terdiri dari 11 pertanyaan yang mencakup peran uang, bank dan lembaga keuangan, perbedaan keuangan perbankan dan non perbankan, tugas Bank Indonesia, gadai, bank syariah, dana pensiun, pasar modal, lembaga pembiayaan konsumen, asuransi, dan koperasi.
Every business, big or small, deals with outgoing payments. Whether it’s to suppliers for inventory, to employees for salaries, or to vendors for services rendered, keeping track of these expenses is crucial. This is where payment vouchers come in – the unsung heroes of the accounting world.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Ending stagnation: How to boost prosperity across Scotland
12. final blkl 2021 alda dwita
1. UJIAN FINAL BLKL
NAMA : ALDA DWITA
NPM : 1802120212
DOSEN : DR.FEBYOLLA PRESILAWATI, SE. MM
UNIVERSITAS MUHAMMADIYAH ACEH 2021
2. 1). PERAN UANG DALAM PEREKONOMIAN INDONESIA :
1.ALAT TUKAR MENUKAR YAITU UANG SEBAGAI ALAT YANG MEMUDAHKAN TRANSAKSI JUAL
BELI
2. ALAT PENGUKUR NILAI YAITU UANG SEBAGAI ALAT PENENTU NILAI BARANG DAN JASA
YANG DIPERJUALBELIKAN.
3. STANDAR PEMBAYARAN MASA DEPAN YAITU UANG BERFUNGSI SEBAGAI STANDAR
PEMBAYARAN MASA DEPAN ATAU UNTUK PENCICILAN UTANG ATAU PEMBAYARAN.
4. ALAT PENIMBUN KEKAYAAN ATAU DAYA BELI YAITU SEBAGAI PENIMBUN KEKAYAAN YANG
MEMPUNYAI NILAI YANG RELATIF STABIL.
3. 2). PERANAN BANK DAN LEMBAGA KEUANGAN DALAM PEREKONOMIAN :
1. PENGALIHAN ASET YAITU MENGALIKAN ASET ATAU DANA DARI UNIT
SURPLUS KEUNIT DEFISIT.
2. TRANSAKSI YAITU MEMBERIKAN KEMUDAHAN TRANSAKSI BARANG DAN
JASA
3. LIKUIDITAS YAITU MENAWARKAN PRODUK DANA DENGAN BERBAGAI
ALTERNATIF TINGKAT LIKUIDITAS.
4. EFISIENSI YAITU MEMUNGKINKAN PERTEMUAN ANTARA UNIT SURPLUS
DENGAN UNIT DENGAN UNIT DEFISIT SECARA TIDAK LANGSUNG.
4. 3. PERBEDAAN KEUANGAN PERBANKAN DENGAN NON PERBANKAN :
1. PENGHIMPUNAN DANA
A. BANK MENGHIMPUN DANA SECARA LANGSUNG BERUPA SIMPANAN DANA DARI MASYARAKAT DALAM BENTUK
TABUNGAN, GIRO DAN DEPOSITO SEDANGKAN NON BANK HANYAN SECARA TIDAK LANGSUNG DARI MASYARAKAT.
B. PENGHIMPUNAN DANA BANK SECARA TIDAK LANGSUNG DARI MASYARAKAT BERUPA KERTAS BERHARGA,
PINJAMAN KREDIT DAN LAIN-LAIN, SEDANGKAN BUKAN BANK MENGHIMPUN DANA DARI PINJAMAN DAN LEMBAGA
KEUANGAN LAINNYA.
2. PENYALURAN DANA :
A. LEMBAGA KEUANGAN PERBANKAN MENYALURKAN DANA UNTUK MODAL KERJA, INVESTASI DAN KONSUMSI
SEDANGKAN LEMBAGA KEUANGAN BUKAN BANK HANYAN UNTUK TUJUAN INVESTASI.
B. PENYALURAN DANA BANK KEPADA BADAN USAHA DAN INDIVIDU SEDANGKAN BUKAN BANK HANYA KEPADA
BADAN USAHA.
C. PENYALURAN DANA BANK UNTUK JANGKA PENDEK,MENENGAH DAN PANJANG, SEDANGKAN PENYALURAN DANA
BUKAN BANK DIUTAMAKAN UNTUK JANGKA MENENGAH DAN PANJANG.
5. 4. TUGAS DAN TUJUAN BANK INDONESIA :
1. MENETAPKAN DAN MELAKSANAKAN KEBIJAKAN MONETER, YAITU BANK INDONESIA
BERWENANG UNTUK :
A. MENETAPKAN SASARAN MONETER DENGAN MEMPERHATIKAN SASARAN LAJU INFLASI
YANG DITETAPKANNYA.
B. MELAKUKAN PENGENDALIAN MONETER.
C. MEMBERIKAN KREDIT ATAU PEMBIAYAAN BERDASARKAN PRINSIP SYARIAH UNTUK
JANGKA WAKTU PALING LAMA 90 HARI KEPADA BANK UNTUK MENGATASI KESULITAN
PENDANAAN JANGKA PENDEK BANK YANG BERSANGKUTAN.
D. MELAKSANAKAN KEBIJAKAN NILAI TUKAR BERDASARKAN SISTEM NILAI TUKAR YANG
TELAH DITETAPKAN.
E. MENGELOLA CADANGAN DEVISA.
F. MENYELENGGARAKAN SURVEI SECARA BERKALAATAU SEWAKTU-WAKTU DIPERLUKAN
YANG DAPAT BERSIFAT MAKRO DAN MIKRO UNTUK MENDUKUNG PELAKSANAAN TUGASNYA.
6. 2. MENGATUR DAN MENJAGA KELANCARAN SISTEM PEMBAYARAN, BANK INDONESIA
BERWENANG :
A. MELAKSANAKAN DAN MEMBERIKAN PERSETUJUAN DAN IZIN ATAS PENYELENGGARAAN
JASA SISTEM PEMBAYARAN.
B. MEWAJIBKAN PENYELENGGARA JASA SISTEM PEMBAYARAN UNTUK MENYAMPAIKAN
LAPORAN TENTANG KEGIATANNYA.
C. MENETAPKAN PENGGUNAAN ALAT PEMBAYARAN.
D. MENGATUR SISTEM KLIRING ANTAR BANK DALAM MATA UANG RUPIAH ATAU VALUTA
ASING.
E. MENYELENGGARAKAN PENYELESAIAN AKHIR TRANSAKSI PEMBAYARAN ANTAR BANK.
F. MENETAPKAN MACAM, HARGA, CIRI UANG YANG AKAN DIKELUARKAN, BAHAN YANG AKAN
DIGUNAKAN DAN TANGGAL MULAI BERLAKUNYA SEBAGAI ALAT PEMBAYARAN YANG SAH.
G. SEBAGAI SATU-SATUNYA LEMBAGAYANG MENGELUARKAN DAN MENGEDARKAN UANG
RUPIAH SERTA MENCABUT, MENARIK DAN MEMUSNAHKAN UANG RUPIAH DARI
PEREDARANNYA.
3. MENGATUR DAN MENGAWASI BANK, BANK INDONESIA BERWENANG :
A. MENETEPKAN PERATURAN PERBANKAN DENGAN MEMUAT PRINSIP KEHATI-HATIAN.
B. MEMBERIKAN DAN MENCABUT IZIN ATAS KEGIATAN USAHA TERTENTU DARI BANK.
C. MENGADAKAN PENGAWASAN BANK SECARA LANGSUNG DAN TIDAK LANGSUNG.
7. 5. GADAI MENURUT KITAB UNDANG-UNDANG PERDATA PASAL 1150, GADAI
ADALAH SUATU HAK YANG DIPEROLEH SEORANG YANG MEMPUNYAI PIUTANG
ATAS SUATU
BARANG BERGERAK. BARANG BERGERAK TERSEBUT DISERAHKAN KEPADA ORANG
YANG PIUTANG OLEH ORANNG YANG MEMPUNYAI UTANG ATAU OLEH ORANG LAIN
ATAS NAMA ORANG YANG MEMPUNYAI UTANG . SEORANG YANG BERUTANG
TERSEBUT MEMBERIKAN KEKUASAAN KEPADA ORANG YANG BERPIUTANG UNTUK
MENGGUNAKAN BARANG BERGERAK YANG TELAH DISERAHKAN UNTUK MELUNASI
UTANG APABILA PIHAK YANG BERUTANG TIDAK DAPAT MEMENUHI KEWAJIBAN
PADA SAAT JATUH TEMPO.
PERUM PEGADAIAN ADALAH SATU-SATUNYA BADAN USAHA DI INDONESIA YANG
SECARA RESMI MEMPUNYAI IZIN UNTUK MELAKSANAKAN KEGIATAN LEMBAGA
KEUANGAN BERUPA PEMBIAYAAN DALAM BENTUK PENYALURAN DANA KE
MASYARAKAT ATAS DASAR HUKUM GADAI SEPERTI YANG DIMAKSUD DALAM KITAB
UNDANG-UNDANG HUKUM PERDATA PASAL 1150.
8. 6. BANK SYARIAH ADALAH BANK YANG OPERASINNYA SESUAI DENGAN PRINSIP-PRINSIP
SYARIAH ISLAM, MAKSUDNYAADALAH BANK DALAM OPERASINYA MENGIKUTI KETENTUAN-
KETENTUAN SYARIAH ISLAM, KHUSUSNYA YANG MENYANGKUT TATA CARA BERMUAMALAH
SECARA ISLAM.
CONTOH BANK SYARIAH YAITU BANK MUAMALAT INDONESIA YANG KEGIATAN BANK SYARIAH
INI DALAM PENENTUAN HARGA PRODUKNYA SANGAT BERBEDA DENGAN BANK KONVENSIONAL,
PENENTUAN HARGA BAGI BANK SYARIAH INI DIDASARKAN PADA KESEPAKATAN ANTARA BANK
DENGAN NASABAH PENYIMPAN DANA SESUAI DENGAN JENIS SIMPANAN DAN JANGKA
WAKTUNYA, YANG MENENTUKAN BESAR KECILNYA PORSI BAGI HASIL YANG AKAN DITERIMA
PENYIMPAN.
PRINSIP-PRINSIP KEGIATAN PADA BANK SYARIAH MUAMALAT INDONESIA :
1. PEMBIAYAAN BERDASARKAN PRINSIP BAGI HASIL ( MUDHARABAH ).
2. PEMBIAYAAN BERDASARKAN PRINSIP PENYERTAAN MODAL ( MUSHARAKAH ).
3. PRINSIP JUAL BELI BARANG DENGAN MEMPEROLEH KEUNTUNGAN ( MURABAHAH )
4. PEMBIAYAAN BARANG MODAL BERDASARKAN SEWA MURNI TANPA PILIHAN ( IJARAH )
5. PILIHAN PEMINDAHAN KEPEMILIKAN ATAS BARANG YANG DISEWA DARI PIHAK BANK OLEH
PIHAK LAIN ( IJARAH WA IQTINA ).
DALAM RANGKA MENJALANKAN KEGIATANNYA BANK SYARIAH MUAMALAT INDONESIA
BERLANDASKAN PADAALQURAN DAN HADIS, BANK SYARIAH MENGHARAMKAN PENGGUNAAN
HARGA PRODUKNYA DENGAN BUNGA TERTENTU.
9. 7. DANA PENSIUN SESUAI DENGAN UNDANG-UNDANG NO.11 TAHUN 1992 ADALAH BADAN HUKUM YANG
MENGELOLA DAN MENJALANKAN PROGRAM YANG MENJANJIKAN MANFAAT PENSIUN BAGI PESERTANYA.
CONTOH TATA CARA KEGIATAN DANA PENSIUN PT. TASPEN ( PERSERO ) :
PROGRAM PENSIUN MERUPAKAN JAMINAN HARI TUA BERUPA PEMBERIAN UANG SETIAP BULAN KEPADA PEGAWAI
NEGERI SIPIL YANG TELAH MEMENUHI KRITERIA SEBAGAI BERIKUT :
PT TASPEN (PERSERO) JUGA MELAKUKAN PEMBAYARAN PENSIUN KEPADA :
A. PENERIMA PENSIUN PEJABAT NEGARA
B. PENERIMA TUNJANGAN PERINTIS KEMERDEKAAN
C. PENERIMA TUNJANGAN VETERAN
D. PENERIMA PENSIUN ANGGOTA TNI/POLRI YANG PENSIUN SEBELUM APRIL 1989
TUJUAN
A. UNTUK MEMBERIKAN JAMINAN HARI TUA BAGI PEGAWAI NEGERI/PESERTA TASPEN PADA SAAT MENCAPAI USIA
PENSIUN.
B. SEBAGAI PENGHARGAAN ATAS JASA-JASA PEGAWAI NEGERI/PESERTA SETELAH YANG BERSANGKUTAN
MEMBERIKAN PENGABDIAN KEPADA NEGARA.
10. PESERTA
1. PEGAWAI NEGERI SIPIL PUSAT DAN DAERAH OTONOM.
2. PEJABAT NEGARA.
3. ANGGOTAABRI YANG DINAS DAN PENSIUN SEBELUM 1 APRIL 1989
4. ANGGOTA VETERAN DAN PKRI/KNIP
5. PEGAWAI KAI
KELOMPOK PENSIUN YANG DIBERIKAN
1. PENSIUN PNS PUSAT DAN PNS DEPARTEMEN HANKAM YANG PENSIUN SEBELUM 1 APRIL 1989
2. PENSIUN PNS DAERAH OTONOM
3. PENSIUN PEJABAT NEGARA
4. PENSIUN ABRI YANG DIBERHENTIKAN DENGAN HAK PENSIUN SEBELUM 1 APRIL 1989
5. PENSIUN PT KAI
6. TUNJANGAN VETERAN.
7. TUNJANGAN PKRI/KNIP
8. UANG TUNGGU PNS
11. YANG BERHAK MENERIMA PENSIUN (JENIS PENSIUN)
1. DIRI PENSIUN YANG BERSANGKUTAN.
2. JANDA/DUDA PENSIUNAN.
3. YATIM-PIATU PENSIUNAN.
4. ORANG TUA (BAGI PNS YANG TEWAS DAN TIDAK MENINGGALKAN ISTERI/SUAMI/ ANAK).
KEWAJIBAN PESERTA
1. MEMBAYAR IURAN 4,75% DARI PENGHASILAN SEBULAN (GAJI POKOK + TUNJANGAN KELUARGA) BERDASARKAN
KEPRES NO.8 TAHUN 1977.
2. MEMBERI KETERANGAN DATA DIRI PRIBADI DAN KELUARGANYA, SERTA MELAPORKAN PERUBAHAN DATA PESERTA
DAN KELUARGANYA.
HAK PESERTA
1. PEMBAYARAN PENSIUN PERTAMA DAN PENSIUN BULANAN
PENSIUN SENDIRI YANG DIBERIKAN KETIKA PNS/PEJABAT NEGARA BERHENTI DENGAN HAK PENSIUN DAN
PEMBAYARANNYA BERSAMAAN DENGAN PEMBERIAN HAK THT. SEDANGKAN PENSIUN BULANAN ADALAH PENSIUN
YANG DIBAYARKAN PADA SETIAP BULAN MELALUI KANTOR BAYAR PENSIUN YANG DITUNJUK.
2. PENSIUN TERUSAN
MERUPAKAN PENSIUN ALMARHUM/ALMARHUMAH YANG MENINGGAL DUNIA DITERUSKAN KEPADA
ISTERI/SUAMI/ANAK SEBESAR PENSIUN YANG DITERIMAALMARHUM/ALMARHUMAH SEMASA HIDUP, DALAM JANGKA
WAKTU TERTENTU.
12. 1. UNTUK PENSIUN PNS/ PEJABAT NEGARA/ TUNJANGAN VETERAN 4 BULAN BERTURUT-TURUT.
2. UNTUK PENSIUN DUTA BESAR 2 BULAN BERTURUT-TURUT.
3. UNTUK PENSIUN ABRI 6 BULAN BERTURUT-TURUT. BILAADA BINTANG JASA (GERILYA, SEWINDU DAN KARTIKA
EKAPAKSI) SELAMA 12 BULAN BERTURUT-TURUT.
3. UANG DUKA WAFAT (UDW)
DIBERIKAN KEPADA ISTERI/ SUAMI/ANAK/AHLI WARIS YANG DITUNJUK KARENA PENSIUNAN MENINGGAL DUNIA
SEBANYAK TIGA KALI PENGHASILAN TERAKHIR.
4. PENSIUN BAGI JANDA/DUDA/ ANAK
PENSIUN YANG DIBERIKAN KEPADA JANDA/DUDA/ANAK KARENA PENSIUNAN MENINGGAL DUNIA.
5. UANG KEKURANGAN PENSIUN (UKP)
KEKURANGAN PENSIUN YANG BELUM DIBAYARKAN KEPADA PENERIMA PENSIUN AKIBAT PENYESUAIAN PENSIUN
POKOK, PENYESUAIAN TABLE, ADANYA PANGKAT PENGABDIAN KARENA PENERBITAN SK TERLAMBAT, DAN
SEBAGAINYA
6. PENSIUN LANJUTAN
UANG PENSIUN LANJUTAN AKIBAT PERPINDAHAN KANTOR BAYAR ANTAR KANTOR CABANG PT TASPEN (PERSERO).
13. 8. PASAR MODAL ADALAH PASAR UNTUK BERBAGAI INSTRUMEN KEUANGAN JANGKA PANJANG YANG
BISA DIPERJUALBELIKAN, BAIK SURAT HUTANG ( OBLIGASI ), EKUITI ( SAHAM ), REKSADANA,
INSTRUMEN DERIVATIF MAUPUN INSTRUMEN LAINNYA.
SEDANGKAN MENURUT UNDANG-UNDANG PASAR MODAL NO. 8 TAHUN 1995 TENTANG PASAR MODAL
MENDEFINISIKAN PASAR MODAL SEBAGAI “KEGIATAN YANG BERSANGKUTAN DENGAN PENAWARAN
UMUM DAN PERDAGANGAN EFEK, PERUSAHAAN PUBLIK YANG BERKAITAN DENGAN EFEK YANG
DITERBITKANNYA, SERTA LEMBAGA DAN PROFESI YANG BERKAITAN DENGAN EFEK”.
CONTOH PERUSAHAAN YANG MENDAFTARKAN PERUSAHAANNYA DALAM PASAR MODAL ADALAH PT.
ADIRA DINAMIKA MULTI FINANCE. TBK, YANG MENAWARKAN SAHAMNYA PERTAMA KALI PADA TANGGAL
31 MARET 2004.
TATA CARA KEGIATANNYA PERUSAHAAN INI MENDAFTARKAN SAHAMNYA DIPASAR MODAL ADALAH
SEBAGAI BERIKUT :
1. TAHAP PERSIAPAN
TAHAP INI MERUPAKAN TAHAP AWAL DALAM RANGKA MEMPERSIAPKAN SEGALA SESUATU YANG
BERKAITAN DENGAN PROSES GO PUBLIC.
14. 2. TAHAP PENGAJUAN PERNYATAAN PENDAFTARAN
PERUSAHAAN BERSAMA PERUSAHAAN PENJAMIN ( UNDERWRITTER ) MEMBAWA
DOKUMEN YANG TERANGKUM PROSPERKTUS RINGKAS KE BAPEPAM-LK.
3. TAHAP PENJUALAN SAHAM
KURANG DARI 38 HARI BAPEPAM-LK SUDAH MEMBERIKAN JAWABAN ATAS
PENGAJUAN PENDAFTARAN SAHAMNYA YANG AKAN GO PUBLIC. PENJUALAN
SAHAM DILAKUKAN MELALUI PENAWARAN UMUM ( INITIAL PUBLIC OFFERING /
IPO ).
TUJUAN PERUSAHAAN MELAKUKAN GO PUBLIC PERUSAHAANNYAADALAH
UNTUK MELAKUKAN EKSPANSI PERUHAANNYA, UNTUK MENAMBAH MODAL
PERUSAHAAN, DAN MENGHINDARI KEPEMILIKAN SATU ORANG DALAM
PERUSAHAAN.
15. 9. LEMBAGA PEMBIAYAAN KONSUMEN ADALAH PINJAMAN ATAU KREDIT YANG DIBERIKAN
OLEH SUATU PERUSAHAAN KEPADA DEBITUR UNTUK PEMBELIAN BARANG DAN JASA YANG
AKAN LANSUNG DIKONNSUMSI OLEH KONSUMEN, DAN BUKAN UNTUK TUJUAN PRODUKSI
ATAUPUN DISTRIBUSI.
CONTOH TATA CARA KEGIATAN PERUSAHAAN PEMBIAYAAN KONSUMEN :
PT. FEDERAL INTERNATIONAL FINANCE JAKARTA, MERUPAKAN SALAH SATU PERUSAHAAN
PEMBIAYAAN YANG MELAKUKAN KEGIATAN USAHANYA DIBIDANG PEMBIAYAAN KONSUMEN
(CONSUMER FINANCE), YANG BERFOKUS PADA PEMBIAYAAN SEPEDA MOTOR MERK HONDA DAN
PEMBIAYAAN BARANG-BARANG
ELEKTRONIK SERTA FURNITURE. KEGIATAN PEMBIAYAAN DILAKUKAN MELALUI SISTEM
PEMBERIAN KREDIT YANG PEMBAYARANNYA OLEH KONSUMEN DILAKUKAN SECARAANGSURAN
ATAU BERKALA.
PERJANJIAN PEMBIAYAAN KONSUMEN PADA PT. FEDERAL INTERNATIONAL FINANCE JAKARTA,
MERUPAKAN PERJANJIAN HUTANG PIUTANG ANTARA PIHAK PT. FEDERAL INTERNATIONAL
FINANCE DAN PIHAK KONSUMEN DENGAN PENYERAHAN BARANG SECARA FIDUSIA, DALAM ARTI
PENYERAHAN BARANG TERSEBUT DILAKUKAN BERDASARKAN ATAS KEPERCAYAAN.
16. PERLU DI PAHAMI, BAHWAYANG DIMAKSUD DENGAN FIDUSIA DALAM HAL INI BUKANLAH
JAMINAN FIDUSIAYANG MERUPAKAN PERJANJIAN ACCESSOIR ATAU TAMBAHAN DARI
PERJANJIAN POKOKNYAYAITU HUTANG PIUTANG, NAMUN HANYA PADA PENYERAHAN
BARANGNYA SAJAYANG DILAKUKAN SECARA FIDUSIAATAU LEBIH SEDERHANANYA
PENYERAHAN BARANG DILAKUKAN SECARA KEPERCAYAAN. DALAM PRAKTEK, TIDAK BERARTI
BAHWA MUNCULNYA FENOMENA PEMBIAYAAN KONSUMEN DI DALAM MASYARAKAT TIDAK
MEMBAWA MASALAH SERTA BERBAGAI HAMBATAN. HAL INI MUNCUL MENGINGAT BAHWA
DALAM MEMBERIKAN FASILITAS PEMBIAYAAN KONSUMEN, PERUSAHAAN PEMBIAYAAN AKAN
MELAKUKAN PERBUATAN HUKUM YANG TERMASUK DALAM RUANG LINGKUP HUKUM
PERDATA. TINDAKAN ATAU PERBUATAN PERUSAHAAN PEMBIAYAAN KONSUMEN UNTUK
MENYERAHKAN DANA PEMBIAYAAN YANG DIPERLUKAN OLEH KONSUMEN, SERTA DEMIKIAN
PULA TINDAKAN ATAU PERBUATAN YANG DILAKUKAN OLEH KONSUMEN UNTUK MELAKUKAN
PEMBAYARAN KEMBALI HUTANG PEMBIAYAAN, TENTUNYA HAL ITU MERUPAKAN SUATU
PERBUATAN YANG AKAN MEMBAWAAKIBAT HUKUM. OLEH KARENANYA, PERBUATAN
TERSEBUT PERLU MENDAPATKAN PENANGANAN DARI ASPEK HUKUM PERDATA.
17. 10. ASURANSI MENURUT KITAB UNDANG-UNDANG HUKUM DAGANG PASAL 246 ADALAH SUATU PERJANJIAN DENGAN MANA SESEORANG
PENANGGUNG MENGIKATKAN DIRI KEPADA SESEORANG TERTANGGUNG, DENGAN MENERIMA SUATU PREMI UNTUK MEMBERIKAN
PENGGANTIAN KEPADANYA KARENA SUATU KERUGIAN, KERUSAKAN, ATAU KEHILANGAN KEUNTUNGAN YANG DIHARAPKAN, YANG MUNGKIN
TERJADI KARENA SUATU PERISTIWA TAK TERTENTU.
SEDANGKAN MENURUT PAHAM EKONOMI ASURANSI ADALAH MERUPAKAN SUATU LEMBAGA KEUANGAN YANG MELALUINYA DAPAT DIHIMPUN
DANA BESAR, YANG DAPAT DIGUNAKAN UNTUK MEMBIAYAI PEMBANGUNAN, DISAMPING BERMAFAAT BAGI MASYARAKAT YANG BERPARTISIPASI
DALAM BISNIS ASURANSI.
CONTOH TATA CARA KEGIATAN PERUSAHAAN ASURANSI :
KEGIATAN PERUSAHAAN ASURANSI ATAU USAHA PERASURANSIAN, KHUSUSNYA ASURANSI ATAU USAHA PERASURANSIAN, MERUPAKAN JENIS
YANG TERMASUK DALAM KATEGORI KEGIATAN USAHA YANG SANGAT DIATUR OLEH PEMERINTAH. HAL INI DILAKUKAN KARENA USAHA ASURANSI
SANGAT BERKAITAN DENGAN PENGUMPULAN DANA MASYARAKAT. NAMUN, MESKIPUN KEGIATAN USAHA PERASURANSIAN TELAH BERLANGSUNG
CUKUP LAMA, KITA BARU MEMPUNYAI UNDANG-UNDANG YANG KHUSUS MENGATUR MENGENAI JENIS KEGIATAN USAHA INI SEJAK TANGGAL 11
FEBRUARI 1992, YAITU UNDANG-UNDANG NOMOR 2 TAHUN 1992 TENTANG USAHA PERASURANSIAN. ASURANSI ATAU USAHA PERASURANSIAN.
UNDANG-UNDANG NOMOR 2 TERSEBUT PADA DASARNYA MERUPAKAN HUKUM PUBLIK YANG MENGATUR KEGIATAN USAHA PERASURANSIAN DAN
PERUSAHAAN ASURANSI, SEDANGKAN PERJANJIAN YANG TIMBUL SEHUBUNGAN DENGAN KONTRAK ASURANSI DIATUR TERSENDIRI DALAM KITAB
UNDANG-UNDANG DAGANG (KUHD) YANG MERUPAKAN HUKUM PRIVAT. HAL-HAL YANG DIATUR DALAM UNDANG-UNDANG NOMOR 2 TERSEBUT
MELIPUTI ANTARA LAIN:
1. BIDANG USAHA, JENIS USAHA, RUANG LINGKUP USAHA, SERTA BENTUK HUKUM USAHA PERASURANSIAN;
2. OBYEK ASURANSI;
3. KEPEMILIKAN DAN PERIZINAN USAHA PERASURANSIAN;
4. PEMBINAAN DAN PENGAWASAN;
5. KEPAILITAN DAN LIKUIDASI; DAN
6. KETENTUAN PIDANA.
18. UNDANG-UNDANG NOMOR 2 TAHUN 1992 TERSEBUT, KEMUDIAN DIJABARKAN LEBIH LANJUT KE DALAM
BEBERAPA PERATURAN PELAKSANAANNYA.
1. USAHA PERASURANSIAN ATAU PERUSAHAAN ASURANSI TERDIRI DARI :
USAHAASURANSI
USAHAASURANSI KERUGIAN, YAITU USAHA YANG MEMBERIKAN JASA DALAM PENANGGULANGAN
RISIKO ATAS KERUGIAN, DAN TANGGUNG JAWAB HUKUM KEPADA PIHAK KETIGA, YANG TIMBUL DARI
PERISTIWA YANG TIDAK PASTI;
USAHAASURANSI JIWA, YAITU USAHAYANG MEMBERIKAN JASA DALAM PENANGGULANGAN RISIKO
YANG DIKAITKAN DENGAN HIDUP ATAU MENINGGALNYA SESORANG YANG DIPERTANGGUNGKAN;
USAHA REASURANSI, YAITU USAHA YANG MEMBERIKAN JASA DALAM PERTANGGUNGAN ULANG
TERHADAP RISIKO YANG DIHADAPI OLEH PERUSAHAAN ASURANSI KERUGIAN DAN ATAU PERUSAHAAN
ASURANSI JIWA.
CONTOH PERUSAHAAN ASURANSI :
1. ASURANSI SINAR MAS
2. ASURANSI CENTRALASIA
3. ASURANSI ASTRA BUANA
4. PANIN INSURANCE
5. LIPPO GENERAL INSURANCE
19. 11. KOPERASI ADALAH BADAN USAHA YANG BERANGGOTAKAN ORANG-SEORANG
ATAU BADAN HUKUM KOPERASI DENGAN MELANDASKAN KEGIATANNYA
BERDASARKAN PRINSIP KOPERASI DARI ANGGOTA UNTUK ANGGOTA.