This document discusses banks and their operations. It defines a bank as an institution that collects savings from the public and lends them out to those who need funds. A bank's main roles are to collect funds and distribute funds. It also outlines some of the key products offered by banks, such as agency banking, internet banking, and checks. The document notes that technology has changed how banking services are provided and regulations have adapted accordingly. Frontline bank employees play an important role in serving customers.
This document discusses banks and their operations. It defines a bank as an institution that collects savings from the public and lends them out to those who need funds. A bank's main roles are to collect funds and distribute funds. It also outlines some of the key products offered by banks, such as agency banking, internet banking, and checks. The document notes that technology has changed how banking services are provided and regulations have adapted accordingly. Frontline bank employees play an important role in serving customers.
This document discusses banks and their operations. It defines a bank as an institution that collects savings from the public and lends them out to those who need funds. A bank's main roles are to collect funds and distribute funds. It also outlines some of the key products offered by banks, such as agency banking, internet banking, and checks. The document notes that technology has changed how banking services are provided and regulations have adapted accordingly. Frontline bank employees play an important role in serving customers.
Introduction What is Bank? • Institusi yang mengumpulkan sisa/cadangan kemudian dipinjamkan ke masyarakat yang membutuhkan. • Menurut UU Bank adalah badan usaha yang menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya kepada masyarakat dalam bentuk kredit dan atau bentuk-bentuk lainnya dalam rangka meningkatkan taraf hidup rakyat banyak. • https://jdih.kemenkeu.go.id/fulltext/1998/10t ahun~1998uu.htm#:~:text=Bank%20adalah%2 0badan%20usaha%20yang, 3. Bank Scope Bank Scope • Bank sebagai lembaga intermediasi antara savers dan borrowers • Menghimpun dana dan menyalurkan dana • Pendapatan bank : bunga, transfer • BPR diijinkan bisa menghimpun dana hanya dalam bentuk deposito dan tabungan, tidak boleh giro • Tidak ada dalam konsorsium transfer bank umum • Secara teknologi kurang/terbatas • Hanya bisa bersaing dengan produk fasilitas kredit Bank Product • Agency Banking : bisa transfer, tarik dana selain di bank. Bayar listrik, air, bisa lewat bank • Internet banking kurang praktis karena lebih ribet • QRIS Bank Product • Cek sebagai payment order, perintah bayar dari nasabah kpd bank untuk orang yang memegang Bank Product Banking Hall Banking Hall • Seiring dengan berkembangnya teknologi, pelayanan bank berubah menyesuaikan keadaan. Aturan ikut berubah Frontliners Frontliners Frontliners Frontliners