JASA YANG DITAWARKAN BANK UMUM
JASA YANG DITAWARKAN BANK UMUM
Daftar Isi
Jasa yang ditawarkan bank umum adalah kegiatan lain selain menghimpun dan menyalurkan dana, kegiatan usaha bank juga memberikan jasa-jasa lain yang dapat memperlancar lalu-lintas pembayaran. Sejalan dengan perkembangan ekonomi, jasa-jasa bank ini justru menjadi prasarana yang vital dalam transaksi ekonomi secara luas. Dalam sistem perbankan di Indonesia, jasa-jasa ini hanya bisa diberikan bank umum, tidak bisa diberikan oleh BPR.
Jasa yang ditawarkan bank umum diantaranya meliputi:
- Kliring
- Inkaso
- Letter of Credit (L/C)
- Bank Garansi
- Transfer
Kliring
Kliring adalah suatu cara penyelesaian utang piutang dalam bentuk warkat atau surat-surat berharga antara bank-bank peserta kliring. Penyelenggara kliring adalah Bank Indonesia dengan menyediakan tempat pertemuan bank-bank peserta kliring.
Baca Juga: Penggunaan Dana Bank Umum
Inkaso
Merupakan jasa bank untuk penagihan pembayaran atas surat/dokumen berharga kepada pihak ketiga di tempat atau kota lain di dalam negeri. Surat atau dokumen berharga yang dapat diproses adalah wesel, cek, bilyet giro, kuitansi, surat promes/aksep dan hadiah undian.
Letter of Credit (L/C)
Letter of Credit (L/C) adalah sebuah cara pembayaran internasional yang memungkinkan eksportir menerima pembayaran tanpa menunggu berita dari luar negeri setelah barang dan berkas dokumen dikirimkan keluar negeri (kepada pemesan). Dalam proses ini jasa yang bisa diberikan bank adalah berupa jaminan untuk membayar transaksi tersebut atas permintaan nasabahnya.
Bank Garansi
Jaminan yang diberikan oleh bank atas permintaan nasabah untuk memenuhi kewajibannya pada pihak lain apabila nasabah tersebut tidak mampu memenuhi kewajibannya. Dalam mekanisme bank garansi terdapat tiga pihak yang terlibat yaitu, nasabah, penerima jaminan, dan bank. Mekanisme bank garansi dapat dijelaskan pada bagan berikut.
baca juga: Sifat Dasar Akuntansi
Transfer
Merupakan jasa bank berupa pengiriman uang baik di dalam negeri maupun di luar negeri. Saat ini metode transfer mengalami perkembangan yang sangat pesat seiring dengan perkembangan teknologi informasi. Dengan online system nasabah dapat melakukan transfer kemanapun dalam waktu 24 jam.
Referensi :
Murti Lestari. 2015. Bank dan Lembaga Keuangan Nonbank. Penerbit Universitas Terbuka: Tanggerang Selatan. Hal 4.7
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