NAME : NUR HALISAH M.

ARIF

NIM : 2209308110017

CLASS: 22.1A MANAJEMEN

Fill in the blank sentence and translate all the text into bahasa Indonesia.

Commersial banks hedge funds investment banks Islamic banks

Non-bank financial intermediares private banks stockbrokers

Retail banks or 1. Commersial banks (often called High Street banks in Britain) receive deposits from,
and make loans to, individuals and small companies. 2. Investment banks work with big companies,
giving financial advice, raising capital by issuing stocks or shares and bonds, arranging mergers and
takeover bids, and so on. They also generally offer stockbroking and portfolio management services to
rich corporate and individual clients. Wealthy individuals can also use 3. Private banks, which provide
them with banking and investment services, and 4. Hedge funds, which are private investment funds for
wealthy investors (both individuals and institutions) that use a wider variety of (risky) investing strategies
than traditional investment funds, in order to achieve higher returns. In the USA, where many banks went
bankrupt following the Wall Street Crash in 1929, a law was passed in 1934 (the Glass-Steagall Act) that
separated commercial banks and investment banks or stockbroking firms. For the rest of the 20th century,
there were regulations in the US, Britain and Japan that prevented commercial banks from doing
investment banking business. In other countries, including Germany and Switzerland, large banks did all
kinds of financial business. But starting in the 1980s, many rules were ended by financial deregulation,
and Glass-Steagall was repealed in 1999. Large banks became international conglomerates offering a
complete range of financial services that were previously provided by banks, 5. stockbrokers and
insurance companies. 6. Islamic banks, in Islamic countries and major financial centres, offer interest-free
banking. They do not pay interest to depositors or charge interest to borrowers, but invest in companies
and share the profits (or losses) with their depositors. Some car manufacturers, food retailers and
department stores now offer products like personal loans, credit cards and insurance. Technically these
are not banks but 7. Non-bank financial intermediares.

TRANSLET

Isi kalimat kosong dan terjemahkan semua teks ke dalam bahasa indonesia.

Bank komersial Pengelola investasi global Bank Investasi Bank Islam

Perantara keuangan non-bank Bank Swasta Pialang Saham

Bank ritel atau 1. Bank komersial (sering disebut bank High Street di Inggris) menerima simpanan dari,
dan memberikan pinjaman kepada, perorangan dan perusahaan kecil. 2. Bank Investasi bekerja dengan
perusahaan besar, memberikan nasihat keuangan, meningkatkan modal dengan menerbitkan saham atau
saham dan obligasi, mengatur penawaran merger dan pengambilalihan, dan sebagainya. Mereka juga
umumnya menawarkan layanan pialang saham dan manajemen portofolio kepada klien korporat dan
individu yang kaya. Individu kaya juga dapat menggunakan 3. Bank Swasta yang memberi mereka
layanan perbankan dan investasi, dan 4. Pengelola investasi global yang merupakan dana investasi swasta
untuk investor kaya (baik individu maupun institusi) yang menggunakan variasi investasi (berisiko) yang
lebih luas strategi daripada dana investasi tradisional, untuk mencapai pengembalian yang lebih tinggi. Di
AS, di mana banyak bank bangkrut setelah Keruntuhan Wall Street pada tahun 1929, sebuah undang-
undang disahkan pada tahun 1934 (Undang-Undang Glass-Steagall) bahwa memisahkan bank komersial
dan bank investasi atau perusahaan pialang saham. Selama sisa abad ke-20, ada peraturan di AS, Inggris,
dan Jepang yang melarang bank komersial melakukan bisnis perbankan investasi. Di negara lain,
termasuk Jerman dan Swiss, bank besar melakukan semua jenis bisnis keuangan. Tetapi mulai tahun
1980-an, banyak peraturan diakhiri dengan deregulasi keuangan, dan Glass-Steagall dicabut pada tahun
1999. Bank-bank besar menjadi konglomerat internasional yang menawarkan rangkaian lengkap layanan
keuangan yang sebelumnya disediakan oleh bank, 5. Pialang Saham dan perusahaan asuransi . 6. Bank
Islam di negara-negara Islam dan pusat keuangan utama, menawarkan perbankan tanpa bunga. Mereka
tidak membayar bunga kepada deposan atau membebankan bunga kepada peminjam, tetapi berinvestasi
di perusahaan dan berbagi keuntungan (atau kerugian) dengan deposan mereka. Beberapa produsen
mobil, peritel makanan, dan department store kini menawarkan produk seperti pinjaman pribadi, kartu
kredit, dan asuransi. Secara teknis ini bukan bank tapi 7. Perantara keuangan non-bank.