INDONESIA

FINANCIAL INSTITUTION
Buhori
Nobelson Abraham Gracia Stiohang
 Introduction
Any company engaged in finance, raising funds,
distributing funds, or both.

There are 2 Financial Institutions

Namely:

1. Bank Financial Institution

Providing more complete financial services,
Collecting funds, Distributing Funds, other
Financial Transactions: Transfers, Save Deposit
Boxes, Forex.

2. Non-Bank Financial Institutions

More Focused on One Area only. What is the
distribution of Funds
or Fundraising although there are also those who
do both, such as savings and loan cooperatives.
 Introduction
1. Bank Financial Institution
Consist of :
- Central Bank (BI)
- Commercial banks
- Islamic Bank
- BPR

2. Non-Bank Financial Institution

Consist of :
- Insurance
- Capital market
- Money & Forex Market
- Saving and loan cooperative
- Pawnshop
- Leasing
- Factoring
- Venture Capital
- Pension fund
- Plastic Card
Central Bank/BI
Destination :
Maintaining rupiah stability, implementing monetary policy,
regulating and maintaining the smoothness of the foreign
exchange system and regulating and supervising banks

Commercial Banks (Commercial)

- Assigned to serve all banking services & all levels of society.
- there are 2 types
1. Foreign Exchange Commercial Bank
2. Non-Foreign Exchange Commercial Banks

BPR/BPRS
- A bank that specializes in serving small communities in sub-
districts & rural areas which only serves savings and loans.
Insurance
Each customer is subject to an insurance policy that must be
paid according to the agreement and the insurance company
will replace it if the customer is exposed to a disaster/risk as
agreed.
Insurance Type :
1. credit
2. Fire
3. Scholarship
4. Old Days
6. Accident
7. Lost
8. Etc.

Capital market
Meeting Place & Conducting Transactions between fund
seekers (issuers) and investors (investors)
- The traded securities
1. Stock
2. Bonds
Money Market
- the same as the capital market, which is a place to get
funds and invest funds where transactions are mostly
through electronic media.

Saving and Loan Cooperative

a cooperative that collects funds from members and distributes
these funds to its members or the general public.

Pawnshop/RAHN
Financial institutions that provide loan facilities with certain
guarantees, such as: Gold, Diamonds, Electronic Vehicles, etc

Leasing
Its line of business is more focused on financing capital goods
that customers want, such as vehicles, heavy equipment, etc
Factoring
Taking over credit payments of a company by buying the
company's credit to be billed at maturity later, the profit
obtained is in the form of a fee, namely the difference between
the selling price and the results of the collection made.

Venture Capital
Providing unsecured credit which is generally not served by
other financial institutions because the risk is very high.

Pension fund
Companies that manage pension funds of an employer or the
company itself, such as: Manulife, Jamsostek, etc.

Plastic Card (Credit Card)

Credit Cards can be used instead of cash issued by banks or
financial/financing institutions.
Differences between Bank and
Non-Bank Financial Institutions

The main difference between these two institutions lies in

their roles and functions. Bank financial institutions function
to receive or collect funds and provide loans to the public in
the form of demand deposits, deposits, and savings.

Meanwhile, the function of non-bank financial institutions is

to collect and distribute funds to the public not in the form of
savings, but in the form of securities.