This document provides an overview of a course on funding management. It outlines the learning objectives which include understanding bank funding characteristics, types of bank services, and how funding characteristics impact bank performance. It also defines key terms like sources of bank funding, bank services, and assets and liabilities management. The document lists required and supplementary references and outlines the evaluation criteria of quizzes, midterm and final exam.
This document provides an overview of a course on funding management. It outlines the learning objectives which include understanding bank funding characteristics, types of bank services, and how funding characteristics impact bank performance. It also defines key terms like sources of bank funding, bank services, and assets and liabilities management. The document lists required and supplementary references and outlines the evaluation criteria of quizzes, midterm and final exam.
This document provides an overview of a course on funding management. It outlines the learning objectives which include understanding bank funding characteristics, types of bank services, and how funding characteristics impact bank performance. It also defines key terms like sources of bank funding, bank services, and assets and liabilities management. The document lists required and supplementary references and outlines the evaluation criteria of quizzes, midterm and final exam.
This document provides an overview of a course on funding management. It outlines the learning objectives which include understanding bank funding characteristics, types of bank services, and how funding characteristics impact bank performance. It also defines key terms like sources of bank funding, bank services, and assets and liabilities management. The document lists required and supplementary references and outlines the evaluation criteria of quizzes, midterm and final exam.
2021 RSP / SAP Capaian Pembelajaran Memahami karakteristik sumber dana bank. Memahami jenis-jenis layanan bank Memahami pengaruh karakteristik sumber dana terhadap kinerja bank. Memahami konsep dasar Assets and Liability Management (ALM) dalam bisnis bank. Diskripsi singkat materi Sumber Dana Bank Jasa Layanan Bank Assets dan Liabilitas Management (ALM) dalam Bisnis Bank
Prepared by Dr.Ir. Indra Darmawan, MM
STIE Indonesia Banking School Referensi 1. Wajib Koch T.W., & Scott S. MacDonal, Bank Management, 6th Ed. Thompson Higher Education, 2006 Dahlan, S., Manajemen Lembaga Keuangan Kebijakan Moneter dan Perbankan, Edisi ke-5, FEUI, 2005 2. Pelengkap Saunders, A & Millon, A.A. Financial Institution Management, 5th ed. International edition, 2006, McGraw-Hill, New York Riyadi, S. Banking Asset Liability Management, Edisi ke-3. Lembaga Penerbit , FEUI, 2004 Buku 2 Seri Literasi Keuangan untuk Perguruan Tinggi. Perbankan, OJK. 2016. PBI/POJK dan perundangan yang terkait.
Prepared by Dr.Ir. Indra Darmawan, MM
STIE Indonesia Banking School Evaluasi 1. Quiz & Tugas = Maks. 30% 2. UTS = Min. 35% 3. UAS = Min. 35%
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STIE Indonesia Banking School Topik 1 FINANCIAL INSTITUTIONS
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STIE Indonesia Banking School Overview Topics 1. Financial Institution (FI) 2. Banking Institution (LKB) 3. Non Banking Institution (LKBB)
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STIE Indonesia Banking School Financial Institutions Definitions A financial institution is an institution that conducts financial transactions such as investments, loans and deposits. A financial institution is a company that dealing with financial and monetary transactions, such as deposits, loans, investments and currency exchange (investopedia) Semua badan yang memiliki kegiatan (dalam) bidang keuangan, (dengan) melakukan penghimpunan dan penyaluran dana kepada masyarakat, terutama untuk membiayai investasi (SK Menteri Keuangan RI No.792/90) Prepared by Dr.Ir. Indra Darmawan, MM STIE Indonesia Banking School Types of Financial Institutions 1. Banking Institutions (LKB) Commercial Bank Investment Bank 2. Non Banking Institutions (LKBB) Capital Market Insurance Companies Pension Funds, Brokerage Firms Investment Companies (Investment trust, face amount certificate companies, and managed investment companies)
Prepared by Dr.Ir. Indra Darmawan, MM
STIE Indonesia Banking School Banking Institutions (LKB) 1. Commercial Bank Commercial banks are what most people think when they hear the term "bank." Commercial banks accept deposits, make loans, safeguard assets, and work with many different types of clients, including the general public and businesses 2. Investment Bank Investment banks provide services to large corporations and institutional investors. An investment bank may help in M&A transactions, issue securities, or provide financing for large-scale business projects.
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STIE Indonesia Banking School The Goals of a Financial Institutions 1.Maximize the Profits Make money (profits) from financial transactions activity measured by the Profit Margin (PM) Profit-Margin (PM) how much money a company squeezes from its total revenue/total sales.
Prepared by Dr.Ir. Indra Darmawan, MM
STIE Indonesia Banking School The Goals of a Financial Institutions 2.Minimize the Costs To maximize profits not only how to earn max. Revenues but also control the costs. Why ? If costs are too high, profit will be too low difficult to succeed against its competitors. How do you know the costs are low or high? consider industry standards compare to the competitors
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STIE Indonesia Banking School The Goals of a Financial Institutions 3.Maximize the Market Share Market share is a company's size relative to its market and competitors, generally in term of sales. Calculated by a company's sales dividing it by the total sales of its industry over a certain period. To expand the market share grow the size of the market by appealing to larger demographics, lowering prices or through advertising. Increase the market share greater economic of scale improve profitability.
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STIE Indonesia Banking School The Financial Intermediary Activity
(Lending) FI (Funding)
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STIE Indonesia Banking School Indonesia Financial System
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STIE Indonesia Banking School Indonesia Financial System Banking Institutions
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STIE Indonesia Banking School Banking Institution Definitions UU No. 10 tahun 1998 Badan usaha yang menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya kepada masyarakat dalam bentuk pinjaman dan atau bentuk-bentuk lainya dalam rangka meningkatkan taraf hidup rakyat banyak. a financial institution that has licensed to receive deposits, make loans, and provide financial services such as wealth management, currency exchange and safe deposit boxes. Banks supervised & regulated by the national government or central bank. Prepared by Dr.Ir. Indra Darmawan, MM STIE Indonesia Banking School Bank as a Financial Intermediary Institution
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STIE Indonesia Banking School The Strategic Roles of a Bank 1. Assets Transmutation Transform liabilities from the surplus spending units to assets for financing the deficit spending units. Liabilities from the surplus spending unit are: current deposit, saving deposit, time deposit, etc. Assets for financing the deficit units are: loan, securities, placement on money market.
Prepared by Dr.Ir. Indra Darmawan, MM
STIE Indonesia Banking School The Strategic Roles of a Bank 2. Provide Liquidity Provide liquidity to help the deficit spending unit that need fund to support its operations. 3. Income Re-alocation We have various laternative to alocate income consumption &/ investment. Investment in securities will generate income, while consumption have no impact on income. 4. Transaction Secondary securities (current deposit, saving deposit, and time deposit) are part of transaction in payment sistem. Prepared by Dr.Ir. Indra Darmawan, MM STIE Indonesia Banking School The Role of Bank in a Financial System 1. Agent of Trust The fundamental of financial intermediary activity of a bank is based on the trust between the bank and its customers. The depositors trust to the bank that the money they deposit will safe. The bank trust to the borrowers that the money they lend out will be payed.
Prepared by Dr.Ir. Indra Darmawan, MM
STIE Indonesia Banking School The Role of Bank in a Financial System 2. Agent of Development Funding activity of a bank (monetary sector) is needed to help the company (real sector) financing its operation. Investment, distribution and consumption support to company activity (production) that affect the economic development.
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STIE Indonesia Banking School The Role of Bank in a Financial System 3. Agent of Services Bank also provide services to help their customer’s financial transaction (transfer, clearing, RTGS, Digital Banking, etc.) Bank also support to the economic development through their financial transaction services.
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STIE Indonesia Banking School Banking Institution Types of bank in Indonesia
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STIE Indonesia Banking School Banking Institution 1. Bank Indonesia
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STIE Indonesia Banking School Banking Institution 2. Otoritas Jasa Keuangan
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STIE Indonesia Banking School Banking Institution 3. General Banks as a financial intermediary institution collect the savings from individuals and lend them out to business (people and manufacturers). create new capital push economic growth. create money supply the money to the economy facilitates trading activity provide liquidity to support market liquidity. customer advisor advise the customers in: financial and business activities, accounting, legal, etc.
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STIE Indonesia Banking School Banking Institution 4. BPR Definisi BPR menurut OJK Bank Perkreditan Rakyat (BPR) adalah Bank yang melaksanakan kegiatan usaha secara konvensional atau berdasarkan prinsip syariah, yang dalam kegiatannya tidak memberikan jasa dalam lalu lintas pembayaran. Kegiatan BPR jauh lebih sempit jika dibandingkan dengan kegiatan bank umum, karena BPR dilarang menerima simpanan giro, kegiatan valas, dan perasuransian.
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STIE Indonesia Banking School Banking Institution 4. BPR (cont’d) Kegiatan usaha BPR Menghimpun dana dari masyarakat dalam bentuk simpanan berupa deposito berjangka, tabungan, dan atau bentuk lainnya. Memberikan kredit. Menyediakan pembiayaan dan penempatan dana berdasarkan prinsip syariah, sesuai ketentuan Bank Indonesia. Menempatkan dana dalam bentuk Sertifikat Bank Indonesia (SBI), deposito berjangka, sertifikat deposito, dan atau tabungan pada bank lain.
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STIE Indonesia Banking School Non Banking Institution LKBB 1.Pegadaian 2.Koperasi Simpan Pinjam 3.Perusahaan Modal Ventura 4.Leasing Company / Multifinance 5.Dana Pensiun 6.Pasar Modal 7.Perusahaan Asuransi Tugas Jelaskan pengertian dan aktivitas dan produk usaha masing-masing LKBB Cantumkan sumber referensi yang digunakan
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STIE Indonesia Banking School KYC and Anti Money Laundring
Prinsip/kebijakan yang diterapkan dalam rangka:
Mengetahui identitas nasabah, Mamantau kegiatan transaksi nasabah, Mengidentifikasi & melaporkan transaksi keuangan yang mencurigakan (suspicious transaction report/ STR). Diterapkan untuk memenuhi syarat dan kondisi FATF (Financial Action Task Force on Money Laundering)
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STIE Indonesia Banking School KYC and Anti Money Laundring Regulations 1. Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tanggal 18 Juni 2001 tentang Prinsip Mengenal Nasabah (Know Your Customer Principles), bagi bidang usaha Perbankan; 2. Keputusan Menteri Keuangan Nomor 45/KMK.06/2003 tanggal 30 Januari 2003 tentang Penerapan Prinsip Mengenal Nasabah Bagi Lembaga Keuangan Non Bank (Asuransi, Pembiayaan, dan Dana Pensiun); 3. Keputusan Ketua Badan Pengawas Pasar Modal Nomor: KEP-02/PM/2003 tanggal 15 Januari 2003 tentang Penerapan Prinsip Mengenal Nasabah bagi Pasar Modal.
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STIE Indonesia Banking School KYC and Anti Money Laundring Pasal 17 UU TPPU (Tindak Pidana Pencucian Uang) “Setiap orang yang melakukan hubungan usaha dengan Penyedia Jasa Keuangan wajib memberikan identitasnya secara lengkap dan akurat dengan mengisi formulir yang disediakan oleh Penyedia Jasa Keuangan dan melampirkan dokumen pendukung yang diperlukan”. Penyedia Jasa Keuangan “wajib memastikan pengguna jasa bertindak untuk diri sendiri atau orang lain”
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STIE Indonesia Banking School KYC and Anti Money Laundring
PRINSIP-2 KYC dalam Transaksi
1. Nama Jelas, Identitas dan Alamat Lengkap : a. Pelaku Transaksi b. Pemilik Rekening c. Penerima Dana 2. Hubungan (hukum) antara pelaku dengan Pemilik rekening atau Penerima Dana 3. Jumlah Uang yang ditransaksikan 4. Media Transaksi yang digunakan 5. Profile Nasabah (Pekerjaan, Jabatan, Jumlah Penghasilan, dll) 6. Tujuan Penggunaan Dana 7. Sumber Dana
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STIE Indonesia Banking School KYC and Anti Money Laundring
Bank wajib memelihara profile nasabah, sekurang-
kurangnya meliputi informasi mengenai: Pekerjaan/bidang usaha Jumlah penghasilan Rekening lain yang dimiliki Aktivitas transaksi normal Tujuan pembukaan rekening
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STIE Indonesia Banking School KYC and Anti Money Laundring Dasar Hukum 40 + 9 FATF Recommendation UU RI No. 15 Tahun 2002 tentang Tindak Pidana Pencucian Uang sebagaimana telah diubah dengan UU RI No. 25 Tahun 2003. UU RI No. 23 Tahun 1999 tentang Bank Indonesia sebagaimana telah diubah dengan UU RI No. 3 Tahun 2004. UU RI No. 15 Tahun 2003 tentang Pemberantaran tindak pidana teroris.
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STIE Indonesia Banking School KYC and Anti Money Laundring Sanksi Kewajiban membayar denda sebesar Rp.1 juta per hari keterlambatan dan setinggi-tingginyaRp.30 juta. Pidana 3 s/d 8 tahun serta denda Rp.5 Milyar s/d Rp.100 milyar, terhadap tidak dilaksanakannya langkah-langkah yang diperlukan untuk memastikan ketaatan terhadap ketentuan UU yang berlaku.
Prepared by Dr.Ir. Indra Darmawan, MM
STIE Indonesia Banking School Prepared by Dr.Ir. Indra Darmawan, MM STIE Indonesia Banking School