facilitate the activities to collect funds and distribute funds. The more complete services
banks given the better will thus attract customers.
This is because customers feel comfortable doing financial activities of the
bank only.
Bank to implement these services is not only to attract the attention of customers solely,
but also to seek keuntunagn called fee-based.
Gains derived from bank services, among others:
1. administrative costs (c /: adm credits)
2. shipping costs (c /: charge transfer)
3. fee receivable (c /: the cost of clearing)
4. charge fees and commissions (c /: credit services / transfers)
5. rental costs (c /: rent a safe deposit box)
6. tuition costs (c /: credit card fees)
7 other costs.
SHIPMENTS OF MONEY (transfer)
Transfer is through bank remittance services both within the city, town or
also abroad.
The ingredients used in this transfer depends on the willingness services customers, and it
will affect the speed of delivery and the size of the cost
CLEARING
Kriling an accounts payable settlement between banks by way of mutual
submit scrip-slips to be cleared at the clearing house. The institute
established and coordinated by Bank Indonesia every weekday, and clearing
is a bank that has received permission from the central bank.
The purpose of clearing conducted by Bank Indonesia, among others:
to promote and facilitate traffic demand payment
that the calculation of the settlement of debts can be done with more
easy, safe and efficient
one of the bank's services to customers
4
Scrip-slips to be cleared or settled in clearing house is
scrip-slips to come from within the city, such as:
- check
- Giro
- Bank draft
- Letter of proof of acceptance of transfer
- Traffic girat / credit notes
Resolution process in the scrip-clearing clearing house (in terms of the bank)
1 Clearing Out, bringing clearing to a clearing agency (Memorandum of debit / credit out)
2 Clearing Entry, receives clearing of institutions kliringa (Memorandum of debit / credit
entry)
3 Returns Clearing, returns are not memenurhi warkaat conditions
has been determined.
Clearing mechanism
• Mr. A bertansaksi with Mr. B
• Mr. A gives check to Mr. B
Mr.. Bank B as customers 'XYZ' conduct clearing deposits in the Bank 'XYZ'
• Bank 'XYZ' send Scripless (ND Exit Debit Note) to the Institute
clearing
• Clearing Bank will continue Scripless the 'ABC' (Debit Note
ND Login)
• After checking the process and check the Shah declared, then informed
to the Clearing House to debit the bank account of the 'ABC' in BI and in
Bank credit to the account of 'XYZ'
• penyampaikan clearing the Bank 'XYZ' and the Bank will mengkridit
account of Mr. B.
After clearing processes running, on the afternoon of each bank will make
clearing calculation to determine whether the bank wins or loses clearing.
The winning clearing bank is a bank that number slips of clearing bills
exceed the scrip payment clearing.
Clearing banks who lost it should be, where the larger payment clearing
of wartat bill.
ND Exit RECs will increase in BI (+)
Log ND will reduce the RECs in BI (-)
NK Exit will reduce the RECs in BI (-)
NK Log RECs will increase in BI (+) +
(+/-) If (+) then win Clearing
If (-) then lost to clearing
Collection (Collection)
In general it can be said that the collection is the process of clearing between cities, both in
the country and abroad. Usually the time it takes to complete will
longer.
SAFE DEPOSIT BOX
SDB is a bank services provided to the customer, in the form of a box
to store documents or valuable objects.
BANK CARD
Bank card is a plastic card issued by a bank and given to
customers to be able to be used as means of payment in a variety of places.
In a work system terlihaaat bank card there are 3 parties involved in the process,
namely:
1 Bank as issuer and payer
2 traders / merchants, as shopping
3. card holder / card holder, as the right to conduct a transaction.
Flexibility and freedom in the use of very limited on the type of card
published. Each jeins bank cards have advantages and disadvantages.
Charge card, a system where the card holder must repay all
billing that happened to him at once at maturity sat
Credit cards, a system where cardholders can pay off the penahian
happened to him in abundance installment on the due date
Debit cards, on payment through debit billing nasbaah top
account in the bank where the card at the time of opening
Smart card, functioning as an integrated account
Private label cards, cards issued an enumerated by a business entity
(not a bank) and the use of the card was limited to companies that
issued.
BANK NOTE
Bank notes are issued foreign currency and issued by a bank in
abroad. Buying and selling is a transaction between the bank note currency acceptable
payment and can be bought and sold and traded in accordance with the
exchange rate
In buying and selling bank note bank will classify weak (ITL, FRF, GBP)
bank notes and strong (USD, EUR, AUD, DEM, JPY). In the transaction the bank note, a
banks will use the exchange rate issued by Indonesian banks.
Some of the terms in the note bank transactions:
- Currency exchange
- Foreign exchange rate
- Conversion adjustment
- Value adjustments to the conversion rate of foreign currency
In buying and selling bank notes there are two kinds of exchange rate, ie the buying (buying rate)
and selling rate (selling rate).
o is the current selling rates for bank customers to sell or buy
o Exchange buy is when a bank customer to buy or sell
TRAVELLER CHEQUE
Travelers checks known as traveler's checks or traveler's checks are usually
used by customers who are traveling.
Travel checks are usually issued for a nominal amount.
advantages:
providing the convenience of shopping
reduce the risk of losing money
gives confidence
can be used as cederamata or gifts for relations
usually does not cost anything
LETTER OF CREDIT (L / C)
L / C is banking services provided to the public (customers) to facilitate
the flow of goods in the export-import activities
LC is a statement from the bank at the request of customers (importers) to
provide and pay a certain amount of money for the benefit of third parties
(exporters).
Komp. Elmbaga Finance Banking Kartika Sari
It 4-5
Mechanism of L / C
Paint.
Opening opening bank Bank
issuing Bank
Bank Advising Bank foreign exchange
Paying Bank
Negotiating Bank
BANK GUARANTEE
Guarantee (warranty) means a guarantee
Bank Guarantee is a guarantee of a bank in the completion of a project if the executor
(contractor) broken / injured promises.
With the BG project owners have the assurance that the project will run
in accordance with the agreements.
Mechanism of Bank Guarantee
2 L / C
3 L / C
4 L / C
1 Sales Contract
7 Payment
6 Notes
5. Document Items
8 Notes
9. payment
10 Notes
11. Payment
