Professional Documents
Culture Documents
Paper Banking
Paper Banking
ARRANGED BY :
GROUP 2
LEADER : MUHAMMADDAR
CO LEADER : MUHAMMAD IKHSAN
SECRETARY : IRMA LINDA
MEMBER :
DODI SURYA LESMANA
JUARIAH
SYAFRIZAL
SOFIAN
SUHAIRI
HUSNUL HIDAYANTI
MUHAMMAD FAUZAN
MUHAMMAD SALIM
PERBANKAN
FOREWORD
Praise God Almighty for all his blessings so that this paper can be
arranged to complete. Do not forget we also say many thanks for the help of
those who have contributed by donating both matter and mind.
And we hope this paper hopes to increase knowledge and experience
for the readers, For the future can improve the shape of the paper or add to
make it better again.
Due to the limitations of our knowledge and experience, we believe
there are still many shortcomings in this paper, therefore we welcome any
suggestions and constructive criticism from readers for the perfection of
this paper.
TABLE OF CONTENTS
FOREWORD........................................................................................... i
TABLE OF CONTENTS.........................................................................ii
CHAPTER 1 PRELIMINARY.................................................................1
1.1 Background................................................................................... 1
1.2 Limitations.................................................................................... 2
1.3 Purpose......................................................................................... 2
CHAPTER 2 DISCUSSION....................................................................3
2.1 Definitions Bank............................................................................3
2.2 Purpose banking............................................................................ 4
2.3 Type Of Bank Based On The Function............................................5
2.4 Type Bank Based Ownership..........................................................8
2.5 Types Of Banks Viewed In Terms Of Its Status................................9
2.6 Type Bank Based Operational Activity..........................................10
CHAPTER III CLOSING......................................................................13
3.1 Conclusion................................................................................. 13
REFERENCE....................................................................................... 14
CHAPTER 1
PRELIMINARY
1.1 Background
1.2 Limitations
In this paper the author will give a limitation on the issues to be discussed
include:
1. Understanding Bank
2. Purpose Banking
3. Types Bank and its functions
1.3 Purpose
This paper was prepared in order for the reader to know about banking in
Indonesia.
CHAPTER 2
DISCUSSION
2.1 Definitions Bank
1. Central bank
The central bank in a country, in general, is a government agency
responsible for monetary policy in the territory of the country. Central Bank
seeks to ensure stability of the currency, the stability of the banking sector
and the financial system as a whole.
In Indonesia, the central bank held by Bank Indonesia.
The central bank is an institution that is responsible for maintaining
price stability or the value of the currency of that country, which in this case
is known as inflation or rising prices that in another sense a decline in the
value of money. Central Bank to keep inflation under control and always be
at the lowest possible value, or the optimal position for the economy (low /
zero inflation), by controlling the balance of the amount of money and
goods. If the money supply too much then the central bank to use the
instrument and its pervasiveness.
The role of central banks
1.
2.
3.
4.
exchange (forex)
5. Receiving tax payments
6. Assist payments from central to local government
7. Collecting and analyzing economic data is
2. Commercial Bank
Definition of Commercial Bank by Bank Indonesia Regulation No.
9/7 / PBI / 2007 is a bank conducting conventional business and or based on
sharia principles in its activities providing services in payment traffic.
Services provided by the commercial banks is public, meaning that it can
provide the entire existing banking services. Commercial banks often called
commercial banks (commercial banks).
Role of Commercial Banks
1. The creation of money
Created money commercial banks are demand deposits, ie
means of payment via transfer mechanism (clearing).
2. Support Payment Mechanism
Another function of commercial banks is also very important
is to support the smooth operation of payment mechanisms. This is
possible because one of the services offered by commercial banks
are services related to payment mechanisms.
Some well-known services are clearing, transfer money,
deposit-deposit acceptance, facilitation payment by cash or credit.
3. The collection Savings Fund Society
Fund the most widely collected by commercial banks is
deposits. In Indonesia deposits consist of demand deposits, time
deposits, certificates of deposits, savings and other form that can be
equivalent to them. The ability of commercial banks to raise funds is
much greater than with other financial institutions.
Investment Credit
Working capital credit
Trade Credit
Because of the limitations that are owned by BPR, then there are
some restrictions that must not be Carried out BPR, are as follows:
1. Government-Owned Bank
is the bank in which both the deed and capital owned by the
government, so that the entire profits of banks owned by the government
anyway. For example, Bank Rakyat Indonesia (BRI), Bank Mandiri.
There was also a bank owned by the local government of the region
level I and level II each province. While bank-owned local governments
(LGs) are in the area of level I and level II. Examples of local government
bank is BPD DKI Jakarta, West Java BPD, BPD Central Java, East Java
BPD, BPD North Sumatra, South Sumatra BPD, BPD South Sulawesi, and
other BPD:
3. Bank-owned Cooperative
Ownership of bank shares is owned by legal entities cooperatives,
for example, is the Cooperative Commercial Bank Indonesia;
4. Bank proprietary blend
Owners of bank shares were owned by foreigners mixture and
national private sector. Shares of joint venture banks majority owned by
Indonesian citizens. Examples of joint venture banks, among others:
Sumitono Commerce Bank, Bank Merincop, Swadarma Sakura Bank, Bank
Finconesia, Mitsubishi Buana Bank, Inter Pacific Bank, Paribas BBD
Indonesia, Ing Bank, Sanwa Indonesia Bank, and Bank PDFCI.
5. Foreign-Owned Bank
This type of bank is a branch of the bank who are outside the
country, either privately owned foreign or foreign governments. Owned by
a foreign party. For example, ABN AMRO Bank, City Bank, and others.
2.5 Types Of Banks Viewed In Terms Of Its Status
1. Conventional Banks
Definition of the word "conventional" according to Indonesian
General Dictionary is "in accordance with what has become a habit."
Meanwhile, according to Big Indonesian Dictionary (KBBI) is "based on
the general agreement" such as customs, habits, prevalence. Based on that
understanding, the conventional bank is a bank in its operations applying
the method of interest, because the interest method gotten there first,
becomes a habit and has been used widely compared to the method for the
results.
Conventional banks generally operate by releasing products to
absorb public funds include savings accounts, savings deposits, demand
deposits; funds that have been collected by issuing credits include
investment loans, working capital loans, consumer loans, short-term credit;
and financial services, among others clearing, collections, remittances,
letters of credit, and other services such as buying and selling securities,
bank draft, trustees, underwriters, and securities trading.
Conventional banks can obtain funds from outside parties, for
example, from customers in the form of current accounts, on call deposits,
certificates of deposits, transfer funds, stocks, and bonds. This source of
income is the greatest bank. The bank's revenue, and then allocated to the
primary backup, secondary backup, lending, and investment. Conventional
10
banks eg commercial and rural banks. Both types of banks that you have
learned in the previous section.
2. Islamic Bank
Today many developing Islamic banks. Islamic banks emerged in
Indonesia in the early 1990s. Initiator establishment of Islamic banks in
Indonesia carried out by the Indonesian Ulema Council (MUI) on 18 to 20
August 1990. The Islamic Bank is a bank that operates in accordance with
the principles of Islamic law, meaning the bank in its operations following
the provisions of Islamic law, in particular concerning the procedures
bermuamalah in Islam.
A basic philosophy for the operation of Islamic banks which
animates the entire relationship the transaction is the efficiency, fairness,
and togetherness. Efficiency refers to the principle of mutual help in
synergy to obtain the greatest possible profit.
Justice refers to a relationship that is not rigged, sincere, with the
approval of which mature on the proportion of its inputs and outputs.
Togetherness refers to the principle of offering help and advice to enhance
their productivity.
The activities of Islamic banks in terms of determining the price of
the product is very different from conventional banks. The pricing for
Islamic banks are based on an agreement between the bank and depositors
in accordance with the type of deposit and the time period, which will
determine the size of the portion of the proceeds to be received storage.
Here are the principles that apply to Islamic banks.
1. Funding is based on the principle of profit sharing (Mudharabah).
2. Funding is based on the principle of equity (musharakah).
3. The principle of buying and selling goods with profit (murabaha).
11
12
CHAPTER III
CLOSING
3.1 Conclusion
13
REFERENCE
http://artikaamanda.blogspot.com/2012/03/fungsi-dan-peranan-
bank-umum-bank.html
http://id.wikipedia.org/wiki/Bank
http://kholiscollection.blogspot.com/2011/02/makalah-uang-
bank-dan-percetakan-uang.html
http://tutorialkuliah.blogspot.com/2009/09/contoh-kata-
pengantar-makalah.html
http://wartawarga.gunadarma.ac.id/2010/02/definisi-fungsi-dan-
peranan-bank-umum-dalam-perekonomian/
http://www.zonanesia.net/2014/12/jenis-jenis-bank-danfungsinya.html
14