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Sari Yuniarti,SE,MM . E-mail: jurkubank@yahoo.com

BANK DAN LEMBAGA KEUANGAN. Sari Yuniarti,SE,MM . E-mail: jurkubank@yahoo.com. BANK DAN LEMBAGA KEUANGAN. INVESTASI. TABUNGAN. Bank. Lembaga Keuangan. Non-Bank. Lembaga Keuangan.

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Sari Yuniarti,SE,MM . E-mail: jurkubank@yahoo.com

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  1. BANK DAN LEMBAGA KEUANGAN Sari Yuniarti,SE,MM. E-mail: jurkubank@yahoo.com

  2. BANK DAN LEMBAGA KEUANGAN INVESTASI TABUNGAN

  3. Bank LembagaKeuangan Non-Bank

  4. LembagaKeuangan Adalahsemuabadan yang kegiatannyabidangkeuangan, melakukanpenghimpunandanpenyalurandanakepadamasyarakatterutamagunamembiayaiinvestasiperusahaan (disampingkegiatankonsumsidandistribusibarangdanjasa).

  5. B A N K NON BANK • Penghimpunan Dana • Scrlangsungberupa: simpanandanamasy. (Tabungan, Deposito, Giro) • Scrtdklangsungberupa: kertasberharga, penyertaan, pinjaman/kredit • Penyaluran Dana • Utktujuan modal kerja, investasidankonsumsi • Kepadabadanusahadanindividu • Utkjk.pendek, menengah, danpanjang • Penghimpunan Dana • Scrtdklangsungdrmasy. (kertasberharga, penyertaan, pinjaman/ kredit • Penyaluran Dana • Terutamautktujuaninvestasi • Terutamakpdbadanusaha • Terutamajk.menengahdanpanjang PerbedaanLembagaKeuanganBank danNon Bank

  6. Peranan Bank danLembagaKeuangan • Asset Transmutation Bank danlembagakeuangan non bank berperansbgpengalihasetdari unit surplus (lenders) kpd unit defisit (borrowers). • Transaction Bank danlembagakeuangan non bank memberikankemudahanutkmelakukantransaksibarangdanjasa

  7. Liquidity Bank danlembagakeuangan non bank memberikankesempatankpd unit surplus utkmenempatkandananya pd produk-2 ygmemiliki tk. Likuiditasyg berbeda-2. • Efficiency Bank danlembagakeuangan non bank sebagailembagabrokerage dapatmenurunkanbiayatransaksidgnjangkauanpelayanannya

  8. PERANAN DAN FUNGSI Unit Surplus Unit Defisit Arus Tabungan Instrumen Utang LembagaIntermediasi Keuangan • Asset Transmutation • Transaction • Liquidity • Efficiency

  9. BANK Bank adalahbadanusaha yang menghimpundanadarimasyarakatdalambentuksimpanandanmenyalurkannyakepadamasyarakatdalambentukkreditdanatau bentuk-bentuklainnyadalamrangkameningkatkantarafhiduprakyatbanyak.

  10. Fungsi Bank • Agent of Trust Bank sebagailembagapenghimpunan danpenyalurandana, harusdilandasidenganunsurkepercayaan (trust) • Agent of Development Bank sangatdiperlukanutkkelancarankegiatanperekonomiandisektorriil. • Agent of Services Bank memberikanpenawaranjasa-jasaperbankanlainnya (transfer, garansi bank, kliring, jasapenyelesaiantagihandll).

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