1) Central Bank
According to Law 3 of 2004, the Central Bank is a state institution that has the right to issue legal tender of a country as well as running the function as the leader of last resort.
Indonesia's central bank is the Bank of Indonesia.
Bank Indonesia is an independent state agency in carrying out its duties and authorities
2) Commercial Banks
Definition of commercial banks according to Bank Indonesia Regulation No. 9/7 / PBI / 2007 is a bank conducting business in a conventional and or based on sharia principles in their activities providing services in payment traffic. Services provided by the commercial banks are general, meaning that it can provide all of the existing banking services. Commercial banks are often called commercial banks (commercial banks).
3) rural banks (BPR)
BPR is a bank conducting business in a conventional or based on sharia principles in their activities do not provide services in payment traffic. BPR activities are much narrower when compared to the activities of commercial banks.
There are activities that should not be done by BPR, namely:
a) accepts deposits in the form of demand deposits,
b) following the clearing,
c) conduct foreign exchange activities,
d) conduct insurance activities.
The types of activities that may be carried out by BPR include the following.
a) Raise funds in the form of savings deposits and savings deposits.
b) Providing loans to the public.
c) Provide funding and placements based on Islamic principles.
Breakfast. Based Bank Ownership Type
1) Bank-Owned
Bank banks where the government is both the deed of establishment and capital owned by the government, so that all the profits of banks owned by the government anyway. For example, Bank Rakyat Indonesia (BRI), Bank Mandiri. There was also a local government-owned banks located in the level I and level II of each province. Examples of Capital City Bank, Bank of Central Java, and so on.
2) National Private Bank Owned
National private bank is a bank that all or most of the capital is owned by private national and deed of establishment was founded by the private, as well as the distribution of benefits are also shown for private as well. For example, Bank Muamalat, Bank Danamon, Bank Central Asia, Bank Lippo, Bank Niaga, and others.
3) Foreign-Owned Banks
This type of bank is a branch of the existing bank abroad, either foreign or privately owned foreign governments. Owned by a foreign party. For example, ABN AMRO Bank, City Bank, and others.
SAVINGS
Public deposits that may be withdrawn by the depositor at any time desired.
