CONVENTIONAL & RURAL BANK

GROUP NAME 7 :
1. IMAN DARIYA SALSABILA (2020210233)
2. AUDREY ARVIANA PUTRI SADEWA (2020210236)
3. EGIT TRININDIA (2020210238)
4. FAYED NAUFAL ARIF (2020210249)

 
Table of Contents
01. 02.
SOURCES OF
COMMERCIAL BANK &
BANK FUND
RURAL BANK

03. 04.
ACTIVITIES OTHER
ALLOCATE SERVICES AND
FUNDS BANKS

IMAN DARIYA SALSABILA (2020210233)

 1. COMMERCIAL BANK &
PEOPLE'S CREDIT BANK
Commercial Bank is a bank that carries out business activities
conventionally and or based on sharia principles which in its
activities provides payment traffic services. People's credit banks
(BPR) are banks that carry out business activities conventionally or
based on sharia principles which in their activities do not provide
services in payment traffic

IMAN DARIYA SALSABILA (2020210233)

 2. SOURCES OF BANK
FUND

The sources of bank funds are the bank's efforts to raise

funds to finance its operations.

IMAN DARIYA SALSABILA (2020210233)

The sources of these
funds are as follows:

 Funds sourced from the

bank itself
 Funds from the wider
community
 Funds from other
institutions

Group 7

IMAN DARIYA SALSABILA (2020210233)

Current Account the definition of
deposits is funds entrusted by the
public to banks in the form of demand
deposits, time deposits, certificates of
deposit, savings or equivalent. The
types of withdrawal facilities to
withdraw funds embedded in a
checking account are as follows:

 Check
 Bilyet giro (BG)
 Other payment tools

IMAN DARIYA SALSABILA (2020210233)

 Savings
There are several savings withdrawal Deposit
tools, this depends on each bank
willing to use the means they want.  Time deposit
These tools can be used alone or
together. The tools in question are as  Certificate of
follows saving book, withdrawal slip, deposit
receipt, cards made of plastics (ATM)
 Deposit on call
The types of savings are as follows:

 Tabanas

 Taska

 Other savings
IMAN DARIYA SALSABILA (2020210233)
 3. ACTIVITIES ALLOCATE
FUNDS
The second bank activity after collecting funds from the
public in the form of demand deposits, savings and
time deposits is to channel these funds back to the
people who need them

EGIT TRININDIA(2020210238)
Definition of Credit and Financing
According to the Banking Law
Number 10 of 1998, credit is the
provision of money or equivalent
claims, based on an agreement or loan
agreement between a bank and another
party that requires the borrower to
repay his debt after a certain period of
time with interest

EGIT TRININDIA(2020210238)
 Credit Elements Credit Purpose
and Function
 Trust
 Looking for profit
 Deal
 Helping customer's
 Time period business
 Risk  Help the
government
 Remuneration

EGIT TRININDIA(2020210238)

Types of Credit
 From a usability point of view
 Look at it in terms of credit
goals
 From the point of view of time
 From a guarantee point of view
 In terms of the business sector
Credit Guarantee
Unsecured credit is very dangerous
for the bank's position, considering
that if the customer experiences a
traffic jam. Then it will be difficult to
cover losses on loans disbursed. The
guarantees that can be used as credit
guarantees by prospective debtors are
as follow :
 With guarantee
 No guarantee
EGIT TRININDIA(2020210238)
Principles Of Giving Credit
The first principle that is used as a
reference in providing credit to
customers is the 5C principle. This
principle consists of five criteria that
must be met by credit applicants,
namely:

- Character
- Capacity
- Capital
- Collateral
- Condition

FAYED NAUFAL ARIF (2020210249)

 Aspects in credit assessment
Aspects of bank credit assessment
include juridical/legal aspects,
market and marketing aspects,
financial aspects,
technical/operational aspects,
management aspects, socio-
economic aspects, and EIA aspects

 procedures for granting credit

FAYED NAUFAL ARIF (2020210249)

 Credit quality
The credit quality of the Bank's
debtors is a parameter used by the
Financial Services Authority to
determine the level of credit quality
based on the classification of the
timeliness of bill payments and the
number of days in arrears in payments.

FAYED NAUFAL ARIF (2020210249)

Bad Credit Settlement Techniques
Bad credit is a situation where a debtor
(borrower) cannot pay the debt or credit
installments. This problem can occur
because in the middle of the installment
period, the debtor does not have enough
funds to pay it off. Until finally
experiencing dismissal, delays, requests
for extensions and so on.

FAYED NAUFAL ARIF (2020210249)

 4. OTHER SERVICES AND
BANKS

Other services and banks are aimed at supporting and

facilitating the activities of collecting and distributing
funds.

AUDREY ARVIANA PUTRI S. (2020210236)

 Other types of bank services

 Transfer  Travelers Check

 Clearing  Letter of Credit (L/C)

 Collection  Bank guarantee and Bank

 Safe Deposit Box Reference

 Bank Card  Providing Services in the Capital

 Bank Notes Market

 Accepting Deposits

AUDREY ARVIANA PUTRI S. (2020210236)

THANKYOU