a. Agent of trust
The main basic banking activities is confidence (trust), both in fund raising and distribution of funds. Community would want to entrust their funds in the bank if there is an element of trust is based. People believe that money is not being abused by the banks, the money will be well managed, the bank will not go bankrupt and the pad when it has promised these deposits may be withdrawn from the bank. The bank itself will want to place or distributing the funds to the debtor or the community if there is an element of trust is based. The bank believes that the debtor will not menyalagunakan loan, the debtor will manage the loan funds properly, the debtor will have the ability to pay on the due date, and have a good faith debtor to repay the loan along with other obligations at maturity.
b. Agent of development
Public economic activities in the monetary sector and the real sector can not be separated. Both sectors were always interact and affect each other. The real sector will not be able to perform well if the monetary sector is not working properly. Activities of the bank in the form of a collection and distribution of funds is necessary for smooth economic losses in the real sector. Activities that enable community banks investing activities, distribution activities, as well as the activities of consumption of goods and services, given that investment activity-distribution-consumption can not be separated from any use of the money. Smoothness kegiata investment-distribution-consumption is not lai is economic development activities.
c. Agent of services
In addition to conducting the collection and disbursement of funds, the bank also offers other banking services to the public. Services offered by the bank is closely related to the economic activities of the community in general. These services may include services such as sending money, valuables care, the provision of a bank guarantee, da settlement of bills.
The third function of the above banks are expected to provide complete and comprehensive overview of the function is a bank in the economy, so that the bank can not only be interpreted as a financial intermediary (financial intermediary intituton).
In summary functions of banks can be divided into the following
a. Raise funds to perform its function as a collector of funds, then the bank has several sources that in general there are three sources, namely
(i) Funds sourced from the bank itself in the form of a capital injection of establishment.
(ii) The funds raised from the public collected through the banking business such as business demand deposits, time deposits and Tabanas.
(iii) funds sourced from financial institutions obtained from the loan fund in the form of credit liquidity and call money (funds can be withdrawn at any time of bank borrowing).
b. Dealer or bank lender in activities not only keep the proceeds, but for its utilization in the form of bank credit channel back to the communities who need fresh funds for the effort. Of course, the implementation of this function is expected the bank will get a source of income or profit sharing in the form of the imposition of loan interest. The extension of credit would pose a risk, therefore, the gift must be completely telitidan meets the requirements.
c. As a distributor of funds, the funds collected by the bank distributed to the public in the form of credit, letters barharga purchases and investments, property ownership remains.
d. As stewards of the bank services in the task as "payment traffic servant". Perform a variety of activities such as money transfer activities, collection, traveler's checks, credit cards and other services.
