tag:blogger.com,1999:blog-38007886506517292852024-02-19T22:33:28.311+07:00Safar SeptiantoSafar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.comBlogger241125truetag:blogger.com,1999:blog-3800788650651729285.post-79526769901756918682013-06-25T23:42:00.000+07:002013-06-25T23:42:49.351+07:00Sistem Perbankan Elektronik <div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;"> Pada era globalisasi saat ini banyak
bermunculan istilah atau konsep-konsep baru dalam kehidupan masyarakat,
terutama dalam kegiatan perekonomian- baik pada level ekonomi makro maupun
ekonomi mikro. Bahkan konsep-konsep baru tersebut telah mengarah ke
”teori-teori” baru yang ”melengkapi”, ”dipertentangkan” bahkan ”menggantikan”
beberapa konsep atau teori ”lama”. Beberapa contoh konsep tersebut diantaranya
adalah digital economy, economic of internet, knowledge based economy,
e-commerce, e-marketing, e-business, e-finance, e-banking, e-money, digital
cash, dan less-cash society. Semua konsep-konsep baru tersebut berkaitan dengan
perkembangan dan penerapan TIK pada berbagai sektor perekonomian. ”Suka atau
tidak suka, mau atau tidak mau, siap atau tidak siap, kita tetap harus
menghadapi globalisasi”. Itulah sepenggal pernyataan yang sering kita dengar
terkait dengan isu globalisasi. Pernyataan tersebut menggugah kita bersama
bahwa globalisasi sudah menjadi keniscayaan saat ini. Keniscayaan yang didorong
dan difasilitasi oleh perkembangan teknologi informasi dan komunikasi (TIK)
yang sangat cepat. Salah satu bentuk keniccayaan adalah terbentuknya masyarakat
digital, yang di industri perbankan dikenal dengan istilah less-cash society.
Terbentuknya masyarakat digital tersebut di didorong oleh perkembangan dan
penerapan TIK yang sangat intensif di bidang perbankan- yang selanjutnya
disebut Electronic Banking atau disingkat E-Banking. “E-Banking dan Less-Cash
Society” inilah yang menjadi topik utama tulisan ini. </span><br />
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<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">Jenis-jenis Teknologi E-Banking
Automated Teller Machine (ATM). </span><span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"></span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"><br /></span>
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">Terminal elektronik yang disediakan
lembaga keuangan atau perusahaan lainnya yang membolehkan nasabah untuk
melakukan penarikan tunai dari rekening simpanannya di bank, melakukan setoran,
cek saldo, atau pemindahan dana. Computer Banking. Layanan bank yang bisa
diakses oleh nasabah melalui koneksi internet ke pusat data bank, untuk
melakukan beberapa layanan perbankan, menerima dan membayar tagihan, dan
lain-lain. Debit (or check) Card. Kartu yang digunakan pada ATM atau terminal
point-of-sale (POS) yang memungkinkan pelanggan memperoleh dana yang langsung
didebet (diambil) dari rekening banknya. Direct Deposit. Salah satu bentuk
pembayaran yang dilakukan oleh organisasi (misalnya pemberi kerja atau instansi
pemerintah) yang membayar sejumlah dana (misalnya gaji atau pensiun) melalui
transfer elektronik. Dana ditransfer langsung ke setiap rekening nasabah.
Direct Payment (also electronic bill payment). Salah satu bentuk pembayaran
yang mengizinkan nasabah untuk membayar tagihan melalui transfer dana
elektronik. Dana tersebut secara elektronik ditransfer dari rekening nasabah ke
rekening kreditor. Direct payment berbeda dari preauthorized debit dalam hal
ini, nasabah harus menginisiasi setiap transaksi direct payment. Electronic
Bill Presentment and Payment (EBPP). Bentuk pembayaran tagihan yang disampaikan
atau diinformasikan ke nasabah atau pelanggan secara online, misalnya melalui
email atau catatan dalam rekening bank. Setelah penyampaian tagihan tersebut,
pelanggan boleh membayar tagihan tersebut secara online juga. Pembayaran
tersebut secara elektronik akan mengurangi saldo simpanan pelanggan tersebut.
Electronic Check Conversion. Proses konversi informasi yang tertuang dalam cek
(nomor rekening, jumlah transaksi, dll) ke dalam format elektronik agar bisa
dilakukan pemindahan dana elektronik atau proses lebih lanjut. Electronic Fund
Transfer (EFT). Perpindahan “uang” atau “pinjaman” dari satu rekening ke
rekening lainnya melalui media elektronik. Payroll Card. Salah satu tipe
“stored-value card” yang diterbitkan oelh pemberi kerja sebagai pengganti cek
yang memungkinkan pegawainya mengakses pembayaraannya pada terminal ATM atau
Point of Sales. Pemberi kerja menambahkan nilai pembayaran pegawai ke kartu
tersebut secara elektronik. Preauthorized Debit (or automatic bill payment).
Bentuk pembayaran yang mengizinkan nasabah untuk mengotorisasi pembayaran rutin
otomatis yang diambil dari rekening banknya pada tanggal-tangal tertentu dan
biasanya dengan jumlah pembayaran tertentu (misalnya pembayaran listrik,
tagihan telpon, dll). Dana secara elektronik ditransfer dari rekening pelanggan
ke rekening kreditor (misalnya PLN atau PT Telkom). Prepaid Card. Salah satu
tipe Stored-Value Card yang menyimpan nilai moneter di dalamnya dan sebelumnya
pelanggan sudah membayar nilai tersebut ke penerbit kartu. Smart Card. Salah
satu tipe stored-value card yang di dalamnya tertanam satu atau lebih chips
atau microprocessors sehingga bisa menyimpan data, melakukan perhitungan, atau
melakukan proses untuk tujuan khusus (misalnya validasi PIN, otorisasi
pembelian, verifikasi saldo rekening, dan menyimpan data pribadi). Kartu ini
bisa digunakan pada sistem terbuka (misalnya untuk pembayaran transportasi
publik) atau sistem tertutup (misalnya MasterCard atau Visa networks).
Stored-Value Card. Kartu yang di dalamnya tersimpan sejumlah nilai moneter,
yang diisi melalui pembayaran sebelumnya oleh pelanggan atau melalui simpanan
yang diberikan oleh pemberi kerja atau perusahaan lain. Untuk single-purpose
stored value card, penerbit (issuer) dan penerima (acceptor) kartu adalah
perusahaan yang sama dan dana pada kartu tersebut menunjukkan pembayaran di
muka untuk penggunaan barang dan jasa tertentu (misalnya kartu telpon).
Limited-purpose card secara umum digunakan secara terbatas pada terminal POS
yang teridentifikasi sebelumnya di lokasi-lokasi tertentu (misalnya vending
machines di sekolah-sekolah). Sedangkan multi-purpose card dapat digunakan pada
beberapa penyedia jasa dengan kisaran yang lebih luas, misalnya kartu dengan
logo MasterCard, Visa, atau logo lainnya dalam jaringan antar bank. </span><br />
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<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">Prinsip penerapan E-Banking dan
M-Banking </span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><br />
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">1. ATM, Automated Teller Machine atau
Anjungan Tunai Mandiri Ini adalah saluran e-Banking paling populer yang kita kenal.
Setiap kita pasti mempunyai kartu ATM dan menggunakan fasilitas ATM. Fitur
tradisional ATM adalah untuk mengetahui informasi saldo dan melakukan penarikan
tunai. Dalam perkembangannya, fitur semakin bertambah yang memungkinkan untuk
melakukan pemindahbukuan antar rekening, pembayaran (a.l. kartu kredit,
listrik, dan telepon), pembelian (a.l. voucher dan tiket), dan yang terkini
transfer ke bank lain (dalam satu switching jaringan ATM). Selain bertransaksi
melalui mesin ATM, kartu ATM dapat pula digunakan untuk berbelanja di tempat
perbelanjaan, berfungsi sebagai kartu debit. Bila kita mengenal ATM sebagai
mesin untuk mengambil uang, belakangan muncul pula ATM yang dapat menerima
setoran uang, yang dikenal pula sebagai Cash Deposit Machine/CDM. Layaklah bila
ATM disebut sebagai mesin sejuta umat dan segala bisa, karena ragam fitur dan
kemudahan penggunaannya. </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">2. Phone Banking Ini adalah saluran yang
memungkinkan nasabah untuk melakukan transaksi dengan bank via telepon. Pada
awalnya lazim diakses melalui telepon rumah, namun seiring dengan makin
populernya telepon genggam/HP, maka tersedia pula nomor akses khusus via HP
bertarif panggilan flat dari manapun nasabah berada. Pada awalnya, layanan
Phone Banking hanya bersifat informasi yaitu untuk informasi jasa/produk bank
dan informasi saldo rekening serta dilayani oleh Customer Service Operator/CSO.
Namun profilnya kemudian berkembang untuk transaksi pemindahbukuan antar
rekening, pembayaran (a.l. kartu kredit, listrik, dan telepon), pembelian (a.l.
voucher dan tiket), dan transfer ke bank lain; serta dilayani oleh Interactive
Voice Response (IVR). Fasilitas ini boleh dibilang lebih praktis ketimbang ATM
untuk transaksi non tunai, karena cukup menggunakan telepon/HP di manapun kita
berada, kita bisa melakukan berbagai transaksi, termasuk transfer ke bank lain.
</span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">3. Internet Banking Ini termasuk saluran
teranyar e-Banking yang memungkinkan nasabah melakukan transaksi via internet
dengan menggunakan komputer/PC atau PDA. Fitur transaksi yang dapat dilakukan
sama dengan Phone Banking yaitu informasi jasa/produk bank, informasi saldo
rekening, transaksi pemindahbukuan antar rekening, pembayaran (a.l. kartu
kredit, listrik, dan telepon), pembelian (a.l. voucher dan tiket), dan transfer
ke bank lain. Kelebihan dari saluran ini adalah kenyamanan bertransaksi dengan
tampilan menu dan informasi secara lengkap tertampang di layar komputer/PC atau
PDA. </span></div>
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">4. SMS/m-Banking Saluran ini pada
dasarnya evolusi lebih lanjut dari Phone Banking, yang memungkinkan nasabah
untuk bertransaksi via HP dengan perintah SMS. Fitur transaksi yang dapat
dilakukan yaitu informasi saldo rekening, pemindahbukuan antar rekening,
pembayaran (a.l. kartu kredit, listrik, dan telepon), dan pembelian voucher.
Untuk transaksi lainnya pada dasarnya dapat pula dilakukan, namun tergantung
pada akses yang dapat diberikan bank. Saluran ini sebenarnya termasuk praktis
namun dalam prakteknya agak merepotkan karena nasabah harus menghapal kode-kode
transaksi dalam pengetikan sms. Di balik kemudahan e-Banking tersimpan pula
risiko, untuk itu diperlukan pengaman yang baik. Lazimnya untuk ATM, nasabah
diberikan kartu ATM dan kode rahasia pribadi (PIN); sedangkan untuk Phone
Banking, Internet Banking, dan SMS/m-Banking, nasabah diberikan kode pengenal
(userid) dan PIN. Sebagai pengaman tambahan untuk internet banking, pada bank
tertentu diberikan piranti tambahan untuk mengeluarkan PIN acak/random.
Sedangkan untuk SMS Banking, nasabah diminta untuk meregistrasikan nomor HP
yang digunakan. Dengan beragamnya kemudahan transaksi via e-Banking, kini
pilihan ada di tangan kita untuk memanfaatkannya atau tidak. Namun mengingat
tidak semua bank menyediakan layanan-layanan tersebut, maka seberapa pintarkah
bank kita? Untuk dapat bertransaksi pintar, kini saatnya memilih bank pintar
kita, tentunya sesuai kebutuhan transaksi. </span><br />
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<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">INTERNATIONAL ELECTRONIC FUND TRANSFER
SYSTEM </span><br />
<br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">Electronic Funds Transfer Systems (EFTS) sudah menjadi metode utama yang
melibatkan pembayaran dana dalam jumlah besar yang dilakukan lembaga keuangan
dan nasabah bisnisnya. EFT didefinisikan sebagai pemindahan dana yang diawali
dari terminal elektronik, instrument telpon, computer, atau magnetic tape untuk
memesan, memerintahkan, atau memberikan kewenangan kepada lembaga keuangan
untuk mendebet atau mengkredit rekening. Kemampuan lembaga keuangan untuk
menyediakan jasa-jasa tersebut seiring dengan perkembangan teknologi computer
dan teknologi komunikasi data. </span><br />
<br />
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">FEDWIRE </span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><br />
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">Fedwire adalah jaringan pemindahan dana
dan surat-surat berharga berskala nasional yang diselenggarakan oleh bank
sentral Amerika Serikat yang dikenal sebagai Federal Reserve. Sistem ini
terhubung ke 12 bank sentral Negara bagian dengan banyak lembaga keuangan yang
tergabung dalam jaringan tersebut yang memiliki cadangan atau rekening kliring
di Fedres. Fedwire memproses hampir US$1.4 trillion per hari dalam bentuk dana
dan surat-surat berharga. Sistem pemindahan dana melalui Fedwire menyediakan
transfer elektronik antar lembaga keuangan dan mempunyai fungsi baik sebagai
proses kliring maupun pengendapan dananya (settlement). Pelayanan Fedwire bisa
diakses melalui computer interface secara langsung atau secara off-line dari
pesawat telpon melalui system pengiriman elektronik berbasis PC yang dikenal
sebagai Fedline. Beberapa karakteristik Fedwire adalah sebagai berikut: </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Sistem pembayaran secara real-time
dari Federal Reserve </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Digunakan oleh lembaga-lembaga
keuangan yang memiliki rekening di Federal Reserve </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Digunakan terutama untuk pemindahan
dana yang relative besar yaitu dengan rata-rata sebesar $3.5M </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Koneksi On-line yang mencakup 7800
institusi dan 99% transfer memakai koneksi ini: </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">– Direct connection </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">– Computer dialup </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Koneksi Off-line mencakup 1700
institutions dan 1% of transfers – Instruksi telpon dengan katasandi tertentu </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Akses FedLine dari PCs </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Beberapa layanan lainnya berbasis Web
tetapi bukan jasa pemindahan dananya Peserta Fedwire • Lembaga Depository </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Agen atau cabang bank-bank asing </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Bank anggota dari Federal Reserve
System </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• U.S. Treasury dan authorized agencies </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Bank sentral Negara lain, otoritas
moneter Negara lain, pemerintahan Negara lain, organisasi internasional
tertentu; serta </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Pihak lain yang disahkan oleh Reserve
Bank Mekanisme Kerja Fedwire CHIPS Clearing House Interbank Payment System
(CHIPS) adalah jaringan pemindahan dana yang dimiliki dan dioperasikan oleh
(NYCHA) untuk mengirim dan menerima pembayaran dalam U.S. dollar antara
bank-bank, baik bank domestik maupun bank asing, yang mempunyai kantor di kota
New York. Beberapa informasi lain mengenai CHIPS ini adalah sebagai berikut: </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">– Dimiliki pihak swasta </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">– Mencakup 128 banks di 29 negara</span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;"> –
Total $1.44T dipindahkan perhari dengan rata-rata transaksi sebesar $6.6M </span></div>
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">– Biaya transaksi berkisar antara $0.13
– $0.40 </span><br />
<br />
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">Mekanisme Operasi CHIPS </span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><br />
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">CHIPS merupakan system pembayaran netto
multilateral. Tidak seperti Fedwire, pemindahan dana melalui CHIPS tidak
diendapkan pada saat instruksi pembayaran dikirimkan, tetapi baru diendapkan
pada akhir hari melalui net settlement arrangement dilaksanakan bersama Bank
sentral Negara bagian New York. </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">SWIFT Society for Worldwide Interbank
Financial Telecommunications </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">(SWIFT) adalah kerjasama nir laba dari
anggota bank yang melayani jaringan telekomunikasi antar bank, yang berbasis di
Brussels Belgia. Tidak seperti EFT systems, SWIFT hanya menyediakan instruksi
untuk melakukan pemindahan dana. SWIFT tidak memiliki mekanisme penyerahan dana
(settlement). Pemindahan dana aktualnya dilaksanakan melalui pendebetan atau
pengkreditan terhadap rekening bersangkutan pada lembaga peserta jaringan.
Beberapa data atau penjelasan ringkas mengenai SWIFT adalah sebagai berikut: </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Mencakup 7125 lembaga di 193 negara </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Sebanyak 1.27 milyar pesan per tahun
dengan nilai dana $5 triliun per hari </span></div>
<div class="MsoNormal">
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Biayat ~ $0.20 per pesan • Menggunakan
X.25 packet protocol </span></div>
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">• Mulai mengarah ke full IP network pada
tahun 2002 </span><br />
<br />
<span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">CHAPS </span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt; line-height: 115%;">CHAPS (Clearing House Automated Payment
System) adalah sistem pemindahan elektronik untuk pengiriman pembayaran antar
bank di hari yang sama. Sistem ini beroperasi dengan bekerja sama dengan Bank
of England dalam menyediakan jasa pembayaran dan penyelesaiannya. System yang
sudah dikemabngkan sejak tahun 1984 ini merupakan salah satu system pembayaran
seketika yang terbesar setelah Fedwire di Amerika Serikat TARGET TARGET,
singkatan dari Trans-European Automated Real-time Gross settlement Express
Transfer system, adalah system pembayaran seketika untuk mata uang euro di
eropa. Sistem ini terdiri dari 15 RTGS nasional negara-negara di Eropa. TARGET
system seketika (a real-time system) yang dalam kondisi normal pembayaran akan
mencapai tujuan dalam beberapa menit saja atah bahkan detik.</span><span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"></span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"></span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"><br /></span><br />
<br />
<span style="font-family: 'Times New Roman',serif; font-size: 13.5pt; line-height: 115%;"> </span><br />
<br />
Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-67901915428310301792013-05-05T16:08:00.001+07:002013-05-05T16:08:12.105+07:00Indonesia Akan Menjadi negara Yahudi<div class="style22">
1. Siapkan uang Rp.10.000 yang bergambar Sultan Machmud Badarudin.</div>
<div class="style22">
<img alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiATsOresAkJLmI6SPnqmhGH3bMH-oaGC0tbMJDNsMAwg38nExhMvTTWihWvMdYA1oB92eqbbi2P4UchYFYQm-s4gnzmaK9Wr6xp93POviXr4ERZ9G__4RBSGFQ5WHY3kblkux-dyxt2pYw/s1600/hal-ganjil-ditemukan-dalam-mata-uang+1.JPG" style="border: 1px solid rgb(204, 204, 204); max-width: 600px; padding: 2px;" /></div>
<div class="style22">
<br /></div>
<div class="style22">
2. Lalu lipat uangnya dari atas ke depan</div>
<div class="style22">
<img alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgodYFRgXXtZHz7x4zJnv4eAGbuqVDNW3v4UQujyo6x_e3n0dGEDJX5fpIx0mgyX7GFPQxmwQsuPPuJdHmd2Q-AngJDoPRwGGiypt-yL4eHfTxDwog3YVAwy8iSvQ55Z0G_jI16FfSzEfmU/s1600/hal-ganjil-ditemukan-dalam-mata-uang+2.JPG" style="border: 1px solid rgb(204, 204, 204); max-width: 600px; padding: 2px;" /></div>
<div class="style22">
<br /></div>
<div class="style22">
3. Lipat juga bagian bawah ke depan</div>
<div class="style22">
<img alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBMCEbNj2ZnBgjhEfJKadjT0b_8TchhBkEXNKUwMunMSVeTsOOttSfTzCqidVMS95Ypv0ZtCM_cDSQj8_W3Rr4rIPfJqAqi0P33Kx_jL-M8TuW-QgExPu28npiqbRvdAibatO2gSJKnmF_/s1600/hal-ganjil-ditemukan-dalam-mata-uang+3.JPG" style="border: 1px solid rgb(204, 204, 204); max-width: 600px; padding: 2px;" /></div>
<div class="style22">
<br /></div>
<div class="style22">
4. Lalu kita putar 180 derajat uang yang sudah dilipat tadi. dan lihatlah !</div>
<div class="style22">
<img alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQKwL1A6apKIL3KqB0UsWpYQ99n216YEmVJGec_mizCm4iOpH2i5EO12A94JUwbu5p2EGUpCl9b295nSHY76kQelJGiaiyQdKyWQPWz9TZTORZtPjuPb6T0oWYbwIYUG7Mv7h4fWilbfJe/s1600/hal-ganjil-ditemukan-dalam-mata-uang+4.JPG" style="border: 1px solid rgb(204, 204, 204); max-width: 600px; padding: 2px;" /></div>
<div class="style22">
<br /></div>
<div class="style22">
Segitiga yang terbentuk pada hasil lipatan tadi persis seperti:</div>
<div class="style22">
<img alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHyGzPV6bR2nekrqvejZot73Uga-0fMA96BVOkDhlUfa-KcjoaiEqHPY3igaCCqciduI-eL6LeAfssV1GvWe3-Z8njdLZ_3oBf_zh7fgYcO2dvLxAuESSKtvehRL4oze0uOgQyubekbfvG/s400/hal-ganjil-ditemukan-dalam-mata-uang+5.jpg" style="border: 1px solid rgb(204, 204, 204); max-width: 600px; padding: 2px;" /></div>
<div class="style22">
Dengan lambang tulisan yang bentuknya bundar dan
muter-muter seperti membentuk "mata" iluminati seperti pada uang dollar
amerika. Kemudian jika kita teliti & terus cermati gambar yang ada
di pinggir gambar segitiga "illuminati" yang ada di uang Rp.10.000, kita
akan menemukan Dewa Matahari dalam mitologi Satanis. Apakah Mata Uang
dinegara tercinta kita Indonesia ini sudah dibawah kekuasaan Kaum Zionis
Satanis??</div>
<div class="style22">
Entah siapa dalang di balik ini semua akan tetapi
kita harus secepatnya menuntaskan kasus ini agar negara kita taidak di
kuasai oleh kaum zionis satanis.</div>
Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-22698464567583573882013-04-22T22:46:00.001+07:002013-04-22T23:08:17.520+07:00TUGAS 2 - TERAPAN KOMPUTER PERBANKAN <div style="text-align: center;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;">TERAPAN KOMPUTER PERBANKAN<span style="mso-list: Ignore;"> </span></span></b></div>
<br />
<div class="MsoNormal" style="line-height: 150%;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> <b>1. </b></span></span><b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jasa-jasa bank merupakan kegiatan perbankan
yang dilakukan oleh suatu bank untuk memperlancar aktivitas bank tersebut dan
juga untuk mendapatkan keuntungan yang sering disebut fee based. Sebutkan
minimal 15 keuntungan yang diperoleh dari jasa-jasa bank tersebut?</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;"> <b>2.<span style="font: 7.0pt "Times New Roman";"> </span></b></span></span><span lang="IN" style="font-family: "Times New Roman","serif";"><b>Jelaskan dengan lengkap
yang dimaksud dengan :</b> </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Kiriman
uang (Transfer)</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Kliring,
lengkapi dengan mekanismenya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Inkaso</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Safe
Deposit Box</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Bank
note</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Bank Card</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">g.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Travellers
Cheque</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">h.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Letter
of Credit, lengkapi dengan mekanismenya.</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">i.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Bank Garansi, lengkapi
dengan mekanismenya.</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;"> <b>3.<span style="font: 7.0pt "Times New Roman";"> </span></b></span></span><b><span lang="IN" style="font-family: "Times New Roman","serif";">Jelaskan dengan lengkap
dan jelas mengenai :</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Simpanan
Giro</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Simpanan
Tabungan</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Simpanan
Deposito</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;"> <b>4. </b></span></span><b><span lang="IN" style="font-family: "Times New Roman","serif";">Tn. A bermaksud menyimpan
uang dalam deposito on call sejumlah 60 juta rupiah, tanggal 4 agustus 2010 bunga
2% pm. Deposito on call dicairkan tanggal 22 agustus 2010. Berapa bunga yang
diperoleh Tn. A ?</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;"> <b>5. </b></span></span><b><span lang="IN" style="font-family: "Times New Roman","serif";">Tn. A ingin membeli 10 lb
sertifikat deposito @ 2 juta rupiah untuk jangka waktu 6 bulan pembayaran
secara tunai. Bunga 12% dan diambil dimuka tunai, Tax 15%. Setelah jatuh tempo
seluruh sertifikat depo dicairkan dan seluruh uangnya dimasukkan ke rekening
gironya. Berapa jumlah yang harus di bayar oleh Tn. A ?</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;"> <b>6. </b></span></span><b><span lang="IN" style="font-family: "Times New Roman","serif";">Transaksi yang terjadi
pada rekening tabungan Tn. A selama agustus 2010</span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: .5in; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Tanggal</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Keterangan</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Jumlah (Rp)</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">01 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Saldo</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">700.000,-</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">07 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Tarik tunai</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">200.000,-</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">12 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Transfer masuk</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">600.000,-</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">19 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Setor kliring</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">100.000,-</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">26 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Tarik tunai</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">1.000.000,-</span></b></div>
</td>
</tr>
</tbody></table>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">Berapa
jumlah bunga yang diperoleh Tn. A apabila bunga dihitung secara harian dan
besarnya bunga 16% pa, tax 15% dan berapa saldo akhir tabungan pada bulan yang
bersangkutan.</span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: center;">
<b><span lang="IN" style="font-family: "Times New Roman","serif";">PENYELESAIAN</span></b></div>
<div class="MsoNormal" style="line-height: 150%;">
<span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-spacerun: yes;"> </span><b>1. <span style="color: black; mso-themecolor: text1;">15 keuntungan yang
diperoleh dari jasa-jasa bank yang sering disebut fee based, yaitu :</span></b></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">PENYIMPANAN UANG</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">KIRIMAN UANG (transfer)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">KLIRING (clearing)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">INKASO (Collection)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">SAFE DEPOSIT BOX</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">BANK CARD</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">BANK NOTE</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">TRAVELLERS CHEQUE</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 9.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">LETTER OF CREDIT (L/C)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 10.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">BANK GARANSI</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 11.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">MENERIMA SETORAN-SETORAN</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 12.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">MELAKUKAN PEMBAYARAN</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 13.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">BUNGA (KONVENSIONAL) DAN BAGI HASIL (SYARIAH)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 14.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;">PINJAMAN (KREDIT)<span style="mso-list: Ignore;"> </span></span><br />
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> 15.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">INTERNET BANKING</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 1in;">
</div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 1.0in;">
<u><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Daftar
pustaka :</span></u><u><span lang="IN" style="font-family: "Times New Roman","serif";">Buku
PENGANTAR MENEJEMEN BANK UMUM, SOEDIJONO REKSOPRAJITNO, PENERBIT: UNIVERSITAS
GUNADARMA.</span></u></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 1.0in;">
<u><span lang="IN" style="font-family: "Times New Roman","serif";"></span></u></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l0 level1 lfo5; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> <b>2. </b></span></span><b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jelaskan dengan lengkap yang dimaksud dengan
:</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<b><br /></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;"><b>Kiriman uang (Transfer)</b> </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jasa pengiriman uang lewat
bank baik dalam kota, luar kota atau pun ke luar negeri.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Kliring, lengkapi dengan mekanismenya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">jasa penyelesaian hutang
piutang antar bank.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">C.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Inkaso</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Proses kliring antar kota,
baik dalam negeri maupun luar negeri. Biasanya waktu yang diperlukan untuk
menyelesaikan akan lebih lama.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">D.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Safe Deposit Box</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jasa bank yang diberikan
kepada pada nasabah, yaitu berupa kotak untuk menyimpan dokumen-dokumen atau
benda benda berharganya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">E.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Bank note</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Uang kartal asing yang
dikeluarkan dan diterbitkan oleh bank di luar negeri.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">F.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Bank Card</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span class="apple-converted-space"><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">K</span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">artu plastik yang dikeluarkan bank dan diberikan kepada nasabahnya untuk
dapat dipergunakan sebagai alat pembayaran di berbagai tempat.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">G.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Travellers Cheque</span></b></div>
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<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Cek wisata atau cek
perjalanan yang biasanya digunakan oleh nasabah yang bepergian.</span></div>
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<br /></div>
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<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">H.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Letter of Credit, lengkapi dengan mekanismenya</span></b></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">Pembayaran
internasional yang memungkinkan eksportir menerima pembayaran tanpa menunggu
berita dari luar negeri setelah barang dan berkas dokumen dikirimkan keluar
negeri (kepada pemesan).</span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3qZUFx6lIFRRepQrKx7isz8UK7uvVuegaVKb8l733RqwdkzrmWSoRUxbFMiHz7DWcHEkLWlChOJ09DyIke5WNUVx4TPW6eaV6IAUcgdnQ3VqI7EGr9vDH7Z1fDtSDrR8pORX92LrkpTY/s1600/1.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="256" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3qZUFx6lIFRRepQrKx7isz8UK7uvVuegaVKb8l733RqwdkzrmWSoRUxbFMiHz7DWcHEkLWlChOJ09DyIke5WNUVx4TPW6eaV6IAUcgdnQ3VqI7EGr9vDH7Z1fDtSDrR8pORX92LrkpTY/s320/1.JPG" width="320" /></a></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";"> </span>
</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Penjelasan mekanisme:</span></div>
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Penjual dan pembeli membuat sales contract. Salah satu syarat yang
disepakati adalah pembayaran dilaksanakan dengan L/C atau SKBDN.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Atas dasar syarat pembayaran yang telah disepakati di dalam kontrak,
maka pihak pembeli mengajukan permohonan penerbitan L/C atau SKBDN kepada Bank.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Issuing bank selanjutnya menerbitkan L/C atau SKBDN atas dasar
permintaan pembeli sebagai Applicant untuk keuntungan penjual sebagai
Beneficiary yang disampaikan melalui bank penerus (advising bank) di tempat
penjual.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Advising bank menyampaikan asli L/C atau SKBDN kepada penjual
(beneficiary) setelah dilakukan verifikasi atau autentikasi terhadap L/C atau
SKBDN itu.</span></div>
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Setelah menerima L/C atau SKBDN dari advising bank, beneficiary
melakukan pengiriman barang sesuai dengan syarat penyerahan barang (terms of
delivery) yang disepakati di dalam sales contract, serta menyiapkan
dokumen yang diminta oleh L/C atau SKBDN.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Beneficiary menyerahkan satu set dokumen yang disyaratkan L/C atau SKBDN
kepada bank yang ditunjuk atau diberi kuasa (nominated bank) oleh issuing
bank yang disebutkan dalam L/C atau SKBDN.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Berdasarkan penyerahan dokumen dari beneficiary, nominated
bank selanjutnya melakukan pemeriksaan kesesuaian dokumen dengan syarat
dan kondisi L/C atau SKBDN dan ketentuan yang berlaku. Jika dokumen telah
memenuhi syarat complying presentation, maka nominated bank dapat
memutuskan bertindak sebagai negotiating bank dengan melakukan
pembayaran terlebih dahulu sepanjang L/C atau SKBDN mensyaratkan “by
negotiation”.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Nominated bank meneruskan dokumen kepada issuing bank,
terlepas apakah nominated banktelah membayar terlebih dahulu atau belum.
Penerusan dokumen ke bank penerbit ini dalam rangka melakukan penagihan
akseptasi, pembayaran, atau pembayaran kembali (reimbursement) dalam hal dokumen
telah dinegosiasi.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Setelah menerima penerusan dokumen dari nominated
bank, issuing bank melakukan pemeriksaan dokumen tersebut apakah
memenuhi syarat complying presentation atau tidak. Jika dokumen
dinyatakan clean, maka issuing bank wajib melakukan akseptasi,
pembayaran, ataureimbursement kepada nominated/ negotiating bank.
Namun jika terjadi penyimpangan pada dokumen terhadap syarat dan kondisi L/C
atau SKBDN (discrepancy), maka issuing bank tidak wajib melakukan
akseptasi, pembayaran, atau reimbursement. Yang dilakukan issuing
bank adalah menghubungi Applicant sehubungan dengan kondisi dokumen
yang discrepant tersebut, dan meminta penegasan Applicant apakah
menerima adanya discrepancy tersebut atau menolak kondisi penyimpangan
dokumen.</span></div>
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-fareast-theme-font: minor-fareast; mso-themecolor: text1;">Issuing bank menyerahkan dokumen original
kepada Applicant setelah ia menyelesaikan kewajiban dana pembayarannya.
Selanjutnya, Applicant melakukan pengeluaran barang dari maskapai pelayaran
dengan memenuhi kewajiban kepabeanan (import clearance).</span><br />
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; font-size: 11pt; line-height: 115%;"> </span>
<br />
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<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">I.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Bank Garansi, lengkapi dengan mekanismenya</span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Jaminan
pembayaran yang diberikan kepada pihak penerima jaminan, apabila pihak yang
dijamin tidak memenuhi kewajibannya.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHUZp-FmoUkUphVFTkLDoTmCtkr0ssnBZC6iI2G5dst2VkZX1I5gCCHmejkPwYVu4CFc9XniTHE9jEsDKBd7K_nCgAI3i7ip6k6DiQbdOkk1Bh7kepHToSuWzMa8A-zIygIcGx79uavsM/s1600/2.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="161" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHUZp-FmoUkUphVFTkLDoTmCtkr0ssnBZC6iI2G5dst2VkZX1I5gCCHmejkPwYVu4CFc9XniTHE9jEsDKBd7K_nCgAI3i7ip6k6DiQbdOkk1Bh7kepHToSuWzMa8A-zIygIcGx79uavsM/s320/2.JPG" width="320" /></a></div>
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<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar
pustaka: Buku Bank dan Lembaga Keuangan; Peni Sawitri & Eko Hartanto; Gunadarma
University.</span></u></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";"> </span>
</div>
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> <b>3. </b></span></span><b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jelaskan dengan lengkap dan jelas mengenai :</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span style="height: 201px; left: 0px; margin-left: 213px; margin-top: 9px; mso-ignore: vglayout; position: absolute; width: 251px; z-index: 1;"></span><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Simpanan Giro:</span></b></div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8XuJjvPvEW3jW7lt61vD0HvUyM1zgYArY1AgIKcFyoDcUlj_DgrvlO9bMYsb8EokCarSnuceUGwjq5L7jDbVGxvT4C7O6XIrDK5brk9QGG4YJNHAzOUctANBD1lym7vFTcsrbLI6n_Hw/s1600/simpanan+giro.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8XuJjvPvEW3jW7lt61vD0HvUyM1zgYArY1AgIKcFyoDcUlj_DgrvlO9bMYsb8EokCarSnuceUGwjq5L7jDbVGxvT4C7O6XIrDK5brk9QGG4YJNHAzOUctANBD1lym7vFTcsrbLI6n_Hw/s1600/simpanan+giro.JPG" /></a></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">Rekening
yang uangnya bisa diambil setiap hari, di mana rekening ini dilengkapi
fasilitas pembayaran dengan cek dan giro bilyet. Bila Anda bertransaksi dengan
pihak lain, maka Anda bisa membayarnya dengan menggunakan cek atau giro bilyet.
Cek adalah surat berharga di mana orang yang Anda beri cek ini bisa langsung
menguangkannya di bank. Sedangkan giro bilyet adalah surat berharga di mana
orang yang Anda beri giro tersebut tidak bisa menguangkan giro itu di bank,
tapi harus disetorkan lebih dulu ke rekeningnya. Barulah setelah itu uang akan
cair di dalam rekeningnya. Rekening giro biasanya tidak memberikan bunga.
Kalaupun ada bank yang memberikan bunga, maka bunga itu biasanya kecil dan sering
disebut dengan istilah "jasa giro". Pada saat ini, biasanya bank
memberikan jasa giro maksimal sebesar 1 - 2 persen dari jumlah saldo (biasanya)
terendah yang menjadi ketentuan minimal dalam sebulan. Minimal setoran
untuk rekening giro berbeda-beda pada tiap bank. Tapi pada saat ini, jumlah
setoran terkecil adalah Rp 250.000 (untuk rekening giro perorangan) dan Rp
500.000 (untuk rekening giro perusahaan). Sebagai timbal balik atas
pelayanan dan fasilitas yang diberikan, maka hampir semua bank mengenakan biaya
administrasi kepada nasabahnya yang langsung dipotong dari rekening gironya
tiap bulan. Dengan memiliki rekening giro, setiap bulan Anda akan
mendapatkan rekening koran (semacam laporan rutin) yang dikirimkan ke alamat
Anda tiap bulan. Di dalam laporan tersebut tertulis kapan dan untuk apa saja
serta berapa jumlah uang yang keluar masuk dalam rekening Anda.</span></div>
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</div>
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<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><span style="height: 211px; left: 0px; margin-left: 213px; margin-top: 27px; mso-ignore: vglayout; position: absolute; width: 281px; z-index: 1;"><b><img alt="Rupiah-dolar-kertas.jpg" height="211" src="file:///C:%5CDOCUME%7E1%5CCOM3%7E1%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_image002.jpg" width="281" /></b></span><b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Simpanan Tabungan:</span></b></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";"></span></div>
<div class="separator" style="clear: both; text-align: center;">
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<br /></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";"> </span>
</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Berbeda dengan giro, simpanan tabungan memiliki ciri khas
sendiri. Jika simpanan giro dilakukan oleh para pengusaha atau para pedagang
saat melakukan transaksi maka simpanan tabungan dilakukan untuk umum dan lebi
banyak digunakan untuk perorangan baik pegawai, atau pun ibu rumah
tangga. Kemudian bank dalam menetapkan suku bunga juga berbeda dalam arti rata-rata
suku bunga simpanan tabungan lebih tinggi daripada simpanan giro yang diberikan
kepada nasabah.</span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-bottom: 12.0pt; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Pengertian tabungan menurut undang-undang perbankan nomor
10 tahun 1998 adalah simpanan yang penarikannya hanya dapat dilakukan menurut
syarat-syarat tertentu yang disepakati, tetapi tidak dapat ditarik dengan cek,
bilyret giro dan alat analisis lainya yang dipersamakan itu.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Ada bebertapa alat penarikan tabungan, hal ini
tergantung pada persyaratan bank masing-masing, mau menggunakan sarana yang
mereka inginkan. Alat ini dapat digunakan sendiri-sendiri atau secara
bersamaan. Alat-alat yang dimaksud adalah :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">1.Buku tabungan.</span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">2.Slip penarikan.</span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">3.Kartu yang terbuat dari plastik.</span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">4.Kombinasi.</span></div>
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<br />
<b style="mso-bidi-font-weight: normal;"><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-fareast-theme-font: minor-fareast; mso-themecolor: text1;">C. Simpanan Deposito</span></b></div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhifFhHsbV6R3RnFoCn-yEkTm381WlAbqYCK0CVsy9vVj4gRp6YtgffCFW4-ApJ77VInX8XFpDz9ke6sDjZBHuxZ0IUEWuJdrux-VWJ8VMA1xX9g6uULZM4aTI-1x4c-MJllnlBSuFCM04/s1600/simpanan+deposito.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhifFhHsbV6R3RnFoCn-yEkTm381WlAbqYCK0CVsy9vVj4gRp6YtgffCFW4-ApJ77VInX8XFpDz9ke6sDjZBHuxZ0IUEWuJdrux-VWJ8VMA1xX9g6uULZM4aTI-1x4c-MJllnlBSuFCM04/s1600/simpanan+deposito.JPG" /></a></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10pt; line-height: 150%;"> </span>
</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">simpanan
yang penarikannya hanya dapat dilakukan pada waktu tertentu berdasarkan
perjanjian nasabah penyimpan dengan bank.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Jenis Simpanan Deposito:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Deposito
Berjangka<b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-themecolor: text1;"></span></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">simpanan dana pihak ketiga kepada bank yang
penarikannya hanya dapat dilakukan dalam jangka waktu tertentu menurut
perjanjian antara pihak ketiga dan bank yang bersangkutan.<b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-themecolor: text1;"></span></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Sertifikat
Deposito<b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-themecolor: text1;"></span></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">simpanan berjangka atas pembawa yang dengan izin
Bank Indonesia dikeluarkan oleh bank sebagai bukti simpanan yang dapat
diperjual-belikan atau dipindah tangankan. Dalam hal bunga sertifikat deposito,
bank dapat menentukan sendiri tingkat bunga atau diskonto sertifikat deposito
yang diterbitkannya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Deposito
on Call<b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-themecolor: text1;"></span></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">simpanan tetap berada di bank, selama deposan tidak
membutuhkannya. Deposito ini agak berbeda dengan deposito berjangka.
Apabila deposan akan menarik simpanan depositonya, terlebih dahulu
memberitahukan kepada bank. Pemberitahuan penarikan deposito sesuai dengan
perjanjian antara deposan dengan bank.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify;">
<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar
pustaka: Buku Bank dan Lembaga Keuangan; Peni Sawitri & Eko Hartanto; Gunadarma
University.</span></u></div>
<br />
<br />
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> <b>4. <span style="font: 7.0pt "Times New Roman";">
</span></b></span></span><b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tn. A bermaksud menyimpan uang dalam deposito on call sejumlah 60 juta
rupiah, tanggal 4 Agustus 2010 bunga 2% pm. Deposito on call dicairkan tanggal
22 Agustus 2010. Berapa bunga yang diperoleh Tn. A ?</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">((2% x 60.000)/31) x 18 =
Rp. 720.000,-</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Jadi bunga yang diperoleh
Tn. A sebesar Rp. 720.000,- (tujuh ratus dua puluh ribu rupiah)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify;">
<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar Pustaka: Belajar
bareng sama teman dikampus.</span></u></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> <b>5. </b></span></span><b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tn. A ingin membeli 10 lb sertifikat deposito @ 2 juta rupiah untuk
jangka waktu 6 Bulan pembayaran secara tunai. Bunga 12% dan diambil dimuka
tunai, Tax 15%. Setelah jatuh tempo seluruh sertifikat depo dicairkan dan
seluruh uangnya dimasukkan ke rekening gironya. Berapa jumlah yang harus di
bayar oleh Tn. A ?</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Cara penghitungan bunga
deposito berjangka :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">BUNGA <span style="mso-tab-count: 1;"> </span>= Nominal x tingkat bunga x hari
bunga 365</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Bunga <span style="mso-tab-count: 2;"> </span>= 2.000.000 x 12% x 180
hari 365 </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif";">= 118356.16 (sebelum pajak)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Tax <span style="mso-tab-count: 1;"> </span>= 118356.16 x 15% </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif";">= 17753.424</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Jumlah <span style="mso-tab-count: 2;"> </span>= 118356.16 + 17753.424</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif";">= 136,109.584</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar Pustaka : Belajar
bareng sama teman dikampus.</span></u></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;"> <b>6. </b></span></span><b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Transaksi yang terjadi pada rekening tabungan Tn. A selama Agustus 2010</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: .5in; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tanggal</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Keterangan</span></b></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jumlah (Rp)</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">01 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Saldo</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">700.000,-</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">07 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tarik tunai</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">200.000,-</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">12 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Transfer masuk</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">600.000,-</span></b></div>
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<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">19 Agustus 2010</span></b></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Setor kliring</span></b></div>
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<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">100.000,-</span></b></div>
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<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213"><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">26 Agustus 2010</span></b></div>
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<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tarik tunai</span></b></div>
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<b><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">1.000.000,-</span></b></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Berapa jumlah bunga yang diperoleh Tn. A
apabila bunga dihitung secara Harian dan besarnya bunga 16% pa, tax 15% dan berapa
saldo akhir tabungan pada Bulan yang bersangkutan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Bunga
harian:
</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">1-6( Saldo ) :
((16 % x 70.000) / 365) x 6 = 1841,0959</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">7-11 <span style="mso-tab-count: 1;"></span>( Tarik Tunai ) : ((16% x 500.000) / 365) x 5 = 1095,8904</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">12-18( Transfer Masuk ) : ( (16% x 1.100.000) / 365 ) X
7 = 3375,3425</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">19-25( Saldo Kliring ) : ((16% x 1.200.000) /365) x
7 = 3682,1918</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">26( Tarik Tunai ) : ((16% x 200.000) / 365) x
7 = 613,69863</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Saldo
akhir : 8767,1236</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Pajak
15% : 1315,06854</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Saldo bersih
: 7452,0556</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify;">
<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar Pustaka : Belajar
bareng sama teman dikampus.</span></u></div>
<br />
<div class="MsoListParagraphCxSpLast" style="background: none repeat scroll 0% 0% white; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in;">
<br /></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";"></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 0.75in;">
<span lang="IN" style="font-family: "Times New Roman","serif";"></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 0.75in;">
<span lang="IN" style="font-family: "Times New Roman","serif";"><span id="goog_1788180260"></span><span id="goog_1788180261"></span></span></div>
Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-41850102227427202392013-04-22T21:57:00.001+07:002013-04-22T22:45:34.519+07:00TUGAS II - TERAPAN KOMPUTER PERBANKAN<!--[if gte mso 9]><xml>
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<div class="MsoNormal" style="line-height: 150%;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">TERAPAN KOMPUTER PERBANKAN</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jasa-jasa bank merupakan kegiatan perbankan
yang dilakukan oleh suatu bank untuk memperlancar aktivitas bank tersebut dan
juga untuk mendapatkan keuntungan yang sering disebut fee based. Sebutkan
minimal 15 keuntungan yang diperoleh dari jasa-jasa bank tersebut?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Jelaskan dengan lengkap
yang dimaksud dengan, </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Kiriman
uang (Transfer)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Kliring,
lengkapi dengan mekanismenya</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Inkaso</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Safe
Deposit Box</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Bank
note</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Bank Card</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">g.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Travellers
Cheque</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">h.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Letter
of Credit, lengkapi dengan mekanismenya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">i.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Bank Garansi, lengkapi
dengan mekanismenya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Jelaskan dengan lengkap
dan jelas mengenai :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Simpanan
Giro</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Simpanan
Tabungan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Simpanan
Deposito</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Tn. A bermaksud menyimpan
uang dalam deposito on call sejumlah 60 juta rupiah, tanggal 4 agustus 2010 bunga
2% pm. Deposito on call dicairkan tanggal 22 agustus 2010. Berapa bunga yang
diperoleh Tn. A ?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Tn. A ingin membeli 10 lb
sertifikat deposito @ 2 juta rupiah untuk jangka waktu 6 bulan pembayaran
secara tunai. Bunga 12% dan diambil dimuka tunai, Tax 15%. Setelah jatuh tempo
seluruh sertifikat depo dicairkan dan seluruh uangnya dimasukkan ke rekening
gironya. Berapa jumlah yang harus di bayar oleh Tn. A ?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l3 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Transaksi yang terjadi
pada rekening tabungan Tn. A selama agustus 2010</span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: .5in; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Tanggal</span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Keterangan</span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Jumlah (Rp)</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">01 Agustus 2010</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Saldo</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">700.000,-</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">07 Agustus 2010</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Tarik tunai</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">200.000,-</span></div>
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<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">12 Agustus 2010</span></div>
</td>
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<span lang="IN" style="font-family: "Times New Roman","serif";">Transfer masuk</span></div>
</td>
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<span lang="IN" style="font-family: "Times New Roman","serif";">600.000,-</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">19 Agustus 2010</span></div>
</td>
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<span lang="IN" style="font-family: "Times New Roman","serif";">Setor kliring</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">100.000,-</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">26 Agustus 2010</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">Tarik tunai</span></div>
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<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">1.000.000,-</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Berapa
jumlah bunga yang diperoleh Tn. A apabila bunga dihitung secara harian dan
besarnya bunga 16% pa, tax 15% dan berapa saldo akhir tabungan pada bulan yang
bersangkutan.</span></div>
<div class="MsoNormal" style="line-height: 150%;">
<span lang="IN" style="font-family: "Times New Roman","serif";">PENYELESAIAN</span></div>
<div class="MsoNormal" style="line-height: 150%;">
<span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-spacerun: yes;"> </span>1.<span style="mso-spacerun: yes;">
</span><span style="color: black; mso-themecolor: text1;">15 keuntungan yang
diperoleh dari jasa-jasa bank yang sering disebut fee based, yaitu :</span></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">PENYIMPANAN UANG</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">KIRIMAN UANG (transfer)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">KLIRING (clearing)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">INKASO (Collection)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">SAFE DEPOSIT BOX</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">BANK CARD</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">BANK NOTE</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">TRAVELLERS CHEQUE</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">LETTER OF CREDIT (L/C)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">10.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">BANK GARANSI</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">11.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">MENERIMA SETORAN-SETORAN</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">12.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">MELAKUKAN PEMBAYARAN</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">13.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">BUNGA (KONVENSIONAL) DAN BAGI HASIL (SYARIAH)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">14.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">PINJAMAN (KREDIT)</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 1.25in; mso-add-space: auto; mso-list: l5 level1 lfo4; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">15.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">INTERNET BANKING</span></div>
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<u><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Daftar
pustaka :</span></u><u><span lang="IN" style="font-family: "Times New Roman","serif";">Buku
PENGANTAR MENEJEMEN BANK UMUM, SOEDIJONO REKSOPRAJITNO, PENERBIT: UNIVERSITAS
GUNADARMA.</span></u></div>
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<u><span lang="IN" style="font-family: "Times New Roman","serif";"></span></u></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l0 level1 lfo5; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jelaskan dengan lengkap yang dimaksud dengan
:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Kiriman uang (Transfer) :</span></div>
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<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jasa pengiriman uang lewat
bank baik dalam kota, luar kota atau pun ke luar negeri.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Kliring, lengkapi dengan mekanismenya:</span></div>
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<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">jasa penyelesaian hutang
piutang antar bank.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">C.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Inkaso:</span></div>
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<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Proses kliring antar kota,
baik dalam negeri maupun luar negeri. Biasanya waktu yang diperlukan untuk
menyelesaikan akan lebih lama.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">D.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Safe Deposit Box:</span></div>
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<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jasa bank yang diberikan
kepada pada nasabah, yaitu berupa kotak untuk menyimpan dokumen-dokumen atau
benda benda berharganya.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">E.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Bank note:</span></div>
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<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Uang kartal asing yang
dikeluarkan dan diterbitkan oleh bank di luar negeri.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">F.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Bank Card:</span></div>
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<span class="apple-converted-space"><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">K</span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">artu plastik yang dikeluarkan bank dan diberikan kepada nasabahnya untuk
dapat dipergunakan sebagai alat pembayaran di berbagai tempat.</span></div>
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<br /></div>
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">G.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Travellers Cheque:</span></div>
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<span lang="IN" style="background: white; color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Cek wisata atau cek
perjalanan yang biasanya digunakan oleh nasabah yang bepergian.</span></div>
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">H.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Letter of Credit, lengkapi dengan mekanismenya:</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">Pembayaran
internasional yang memungkinkan eksportir menerima pembayaran tanpa menunggu
berita dari luar negeri setelah barang dan berkas dokumen dikirimkan keluar
negeri (kepada pemesan).</span></div>
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Penjelasan mekanisme:</span></div>
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Penjual dan pembeli membuat sales contract. Salah satu syarat yang
disepakati adalah pembayaran dilaksanakan dengan L/C atau SKBDN.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Atas dasar syarat pembayaran yang telah disepakati di dalam kontrak,
maka pihak pembeli mengajukan permohonan penerbitan L/C atau SKBDN kepada Bank.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Issuing bank selanjutnya menerbitkan L/C atau SKBDN atas dasar
permintaan pembeli sebagai Applicant untuk keuntungan penjual sebagai
Beneficiary yang disampaikan melalui bank penerus (advising bank) di tempat
penjual.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Advising bank menyampaikan asli L/C atau SKBDN kepada penjual
(beneficiary) setelah dilakukan verifikasi atau autentikasi terhadap L/C atau
SKBDN itu.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Setelah menerima L/C atau SKBDN dari advising bank, beneficiary
melakukan pengiriman barang sesuai dengan syarat penyerahan barang (terms of
delivery) yang disepakati di dalam sales contract, serta menyiapkan
dokumen yang diminta oleh L/C atau SKBDN.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Beneficiary menyerahkan satu set dokumen yang disyaratkan L/C atau SKBDN
kepada bank yang ditunjuk atau diberi kuasa (nominated bank) oleh issuing
bank yang disebutkan dalam L/C atau SKBDN.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Berdasarkan penyerahan dokumen dari beneficiary, nominated
bank selanjutnya melakukan pemeriksaan kesesuaian dokumen dengan syarat
dan kondisi L/C atau SKBDN dan ketentuan yang berlaku. Jika dokumen telah
memenuhi syarat complying presentation, maka nominated bank dapat
memutuskan bertindak sebagai negotiating bank dengan melakukan
pembayaran terlebih dahulu sepanjang L/C atau SKBDN mensyaratkan “by
negotiation”.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Nominated bank meneruskan dokumen kepada issuing bank,
terlepas apakah nominated banktelah membayar terlebih dahulu atau belum.
Penerusan dokumen ke bank penerbit ini dalam rangka melakukan penagihan
akseptasi, pembayaran, atau pembayaran kembali (reimbursement) dalam hal dokumen
telah dinegosiasi.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Setelah menerima penerusan dokumen dari nominated
bank, issuing bank melakukan pemeriksaan dokumen tersebut apakah
memenuhi syarat complying presentation atau tidak. Jika dokumen
dinyatakan clean, maka issuing bank wajib melakukan akseptasi,
pembayaran, ataureimbursement kepada nominated/ negotiating bank.
Namun jika terjadi penyimpangan pada dokumen terhadap syarat dan kondisi L/C
atau SKBDN (discrepancy), maka issuing bank tidak wajib melakukan
akseptasi, pembayaran, atau reimbursement. Yang dilakukan issuing
bank adalah menghubungi Applicant sehubungan dengan kondisi dokumen
yang discrepant tersebut, dan meminta penegasan Applicant apakah
menerima adanya discrepancy tersebut atau menolak kondisi penyimpangan
dokumen.</span></div>
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-fareast-theme-font: minor-fareast; mso-themecolor: text1;">Issuing bank menyerahkan dokumen original
kepada Applicant setelah ia menyelesaikan kewajiban dana pembayarannya.
Selanjutnya, Applicant melakukan pengeluaran barang dari maskapai pelayaran
dengan memenuhi kewajiban kepabeanan (import clearance).</span><br />
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<br />
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">I.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Bank Garansi, lengkapi dengan mekanismenya:</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Jaminan
pembayaran yang diberikan kepada pihak penerima jaminan, apabila pihak yang
dijamin tidak memenuhi kewajibannya.</span></div>
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<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar
pustaka: Buku Bank dan Lembaga Keuangan; Peni Sawitri & Eko Hartanto; Gunadarma
University.</span></u></div>
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</span></span></span></b><span style="height: 201px; left: 0px; margin-left: 213px; margin-top: 9px; mso-ignore: vglayout; position: absolute; width: 251px; z-index: 1;"><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a></span><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Simpanan Giro:</span></b></div>
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<a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><span lang="IN" style="font-family: "Times New Roman","serif";">Rekening
yang uangnya bisa diambil setiap hari, di mana rekening ini dilengkapi
fasilitas pembayaran dengan cek dan giro bilyet. Bila Anda bertransaksi dengan
pihak lain, maka Anda bisa membayarnya dengan menggunakan cek atau giro bilyet.
Cek adalah surat berharga di mana orang yang Anda beri cek ini bisa langsung
menguangkannya di bank. Sedangkan giro bilyet adalah surat berharga di mana
orang yang Anda beri giro tersebut tidak bisa menguangkan giro itu di bank,
tapi harus disetorkan lebih dulu ke rekeningnya. Barulah setelah itu uang akan
cair di dalam rekeningnya. Rekening giro biasanya tidak memberikan bunga.
Kalaupun ada bank yang memberikan bunga, maka bunga itu biasanya kecil dan sering
disebut dengan istilah "jasa giro". Pada saat ini, biasanya bank
memberikan jasa giro maksimal sebesar 1 - 2 persen dari jumlah saldo (biasanya)
terendah yang menjadi ketentuan minimal dalam sebulan. Minimal setoran
untuk rekening giro berbeda-beda pada tiap bank. Tapi pada saat ini, jumlah
setoran terkecil adalah Rp 250.000 (untuk rekening giro perorangan) dan Rp
500.000 (untuk rekening giro perusahaan). Sebagai timbal balik atas
pelayanan dan fasilitas yang diberikan, maka hampir semua bank mengenakan biaya
administrasi kepada nasabahnya yang langsung dipotong dari rekening gironya
tiap bulan. Dengan memiliki rekening giro, setiap bulan Anda akan
mendapatkan rekening koran (semacam laporan rutin) yang dikirimkan ke alamat
Anda tiap bulan. Di dalam laporan tersebut tertulis kapan dan untuk apa saja
serta berapa jumlah uang yang keluar masuk dalam rekening Anda.</span></div>
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="height: 211px; left: 0px; margin-left: 213px; margin-top: 27px; mso-ignore: vglayout; position: absolute; width: 281px; z-index: 1;"><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="http://www.blogger.com/blogger.g?blogID=3800788650651729285" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><img alt="Rupiah-dolar-kertas.jpg" height="211" src="file:///C:%5CDOCUME%7E1%5CCOM3%7E1%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_image002.jpg" width="281" /></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Simpanan Tabungan:</span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Berbeda dengan giro, simpanan tabungan memiliki ciri khas
sendiri. Jika simpanan giro dilakukan oleh para pengusaha atau para pedagang
saat melakukan transaksi maka simpanan tabungan dilakukan untuk umum dan lebi
banyak digunakan untuk perorangan baik pegawai, atau pun ibu rumah
tangga. Kemudian bank dalam menetapkan suku bunga juga berbeda dalam arti rata-rata
suku bunga simpanan tabungan lebih tinggi daripada simpanan giro yang diberikan
kepada nasabah.</span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;"></span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Pengertian tabungan menurut undang-undang perbankan nomor
10 tahun 1998 adalah simpanan yang penarikannya hanya dapat dilakukan menurut
syarat-syarat tertentu yang disepakati, tetapi tidak dapat ditarik dengan cek,
bilyret giro dan alat analisis lainya yang dipersamakan itu.</span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Ada bebertapa alat penarikan tabungan, hal ini
tergantung pada persyaratan bank masing-masing, mau menggunakan sarana yang
mereka inginkan. Alat ini dapat digunakan sendiri-sendiri atau secara
bersamaan. Alat-alat yang dimaksud adalah :</span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">1.Buku tabungan.</span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">2.Slip penarikan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">3.Kartu yang terbuat dari plastik.</span></div>
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<span lang="IN" style="color: #222222; font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">4.Kombinasi.</span></div>
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<br /></div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
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<span lang="IN" style="font-family: "Times New Roman","serif";">simpanan
yang penarikannya hanya dapat dilakukan pada waktu tertentu berdasarkan
perjanjian nasabah penyimpan dengan bank.</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">Jenis Simpanan Deposito:</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Deposito
Berjangka<b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-themecolor: text1;"></span></b></span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">simpanan dana pihak ketiga kepada bank yang
penarikannya hanya dapat dilakukan dalam jangka waktu tertentu menurut
perjanjian antara pihak ketiga dan bank yang bersangkutan.<b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-themecolor: text1;"></span></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Sertifikat
Deposito<b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-themecolor: text1;"></span></b></span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">simpanan berjangka atas pembawa yang dengan izin
Bank Indonesia dikeluarkan oleh bank sebagai bukti simpanan yang dapat
diperjual-belikan atau dipindah tangankan. Dalam hal bunga sertifikat deposito,
bank dapat menentukan sendiri tingkat bunga atau diskonto sertifikat deposito
yang diterbitkannya.</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="font-family: "Times New Roman","serif";">Deposito
on Call<b style="mso-bidi-font-weight: normal;"><span style="color: black; mso-themecolor: text1;"></span></b></span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">simpanan tetap berada di bank, selama deposan tidak
membutuhkannya. Deposito ini agak berbeda dengan deposito berjangka.
Apabila deposan akan menarik simpanan depositonya, terlebih dahulu
memberitahukan kepada bank. Pemberitahuan penarikan deposito sesuai dengan
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<br /></div>
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<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar
pustaka: Buku Bank dan Lembaga Keuangan; Peni Sawitri & Eko Hartanto; Gunadarma
University.</span></u></div>
<br />
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<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tn. A bermaksud menyimpan uang dalam deposito on call sejumlah 60 juta
rupiah, tanggal 4 Agustus 2010 bunga 2% pm. Deposito on call dicairkan tanggal
22 Agustus 2010. Berapa bunga yang diperoleh Tn. A ?</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif";">((2% x 60.000)/31) x 18 =
Rp. 720.000,-</span></div>
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<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Jadi bunga yang diperoleh
Tn. A sebesar Rp. 720.000,- (tujuh ratus dua puluh ribu rupiah)</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify;">
<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar Pustaka: Belajar
bareng sama teman dikampus.</span></u></div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tn. A ingin membeli 10 lb sertifikat deposito @ 2 juta rupiah untuk
jangka waktu 6 Bulan pembayaran secara tunai. Bunga 12% dan diambil dimuka
tunai, Tax 15%. Setelah jatuh tempo seluruh sertifikat depo dicairkan dan
seluruh uangnya dimasukkan ke rekening gironya. Berapa jumlah yang harus di
bayar oleh Tn. A ?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Cara penghitungan bunga
deposito berjangka :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">BUNGA <span style="mso-tab-count: 1;"> </span>= Nominal x tingkat bunga x hari
bunga 365</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Bunga <span style="mso-tab-count: 2;"> </span>= 2.000.000 x 12% x 180
hari 365 </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif";">= 118356.16 (sebelum pajak)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Tax <span style="mso-tab-count: 1;"> </span>= 118356.16 x 15% </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif";">= 17753.424</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Jumlah <span style="mso-tab-count: 2;"> </span>= 118356.16 + 17753.424</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif";">= 136,109.584</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar Pustaka : Belajar
bareng sama teman dikampus.</span></u></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Transaksi yang terjadi pada rekening tabungan Tn. A selama Agustus 2010</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: .5in; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tanggal</span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Keterangan</span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Jumlah (Rp)</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">01 Agustus 2010</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Saldo</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">700.000,-</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">07 Agustus 2010</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tarik tunai</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">200.000,-</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">12 Agustus 2010</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Transfer masuk</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">600.000,-</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">19 Agustus 2010</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Setor kliring</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">100.000,-</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">26 Agustus 2010</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Tarik tunai</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; mso-add-space: auto;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">1.000.000,-</span></div>
</td>
</tr>
</tbody></table>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: black; font-family: "Times New Roman","serif"; mso-themecolor: text1;">Berapa jumlah bunga yang diperoleh Tn. A
apabila bunga dihitung secara Harian dan besarnya bunga 16% pa, tax 15% dan berapa
saldo akhir tabungan pada Bulan yang bersangkutan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Bunga
harian:
</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">1-6 <span style="mso-tab-count: 1;"> </span>( Saldo ) <span style="mso-tab-count: 2;"> </span>:
((16 % x 70.000) / 365) x 6
= 1841,0959</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">7-11 <span style="mso-tab-count: 1;"> </span>( Tarik Tunai )<span style="mso-tab-count: 2;"> </span>: ((16% x 500.000) / 365) x 5
= 1095,8904</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">12-18<span style="mso-tab-count: 1;"> </span>( Transfer Masuk ) <span style="mso-tab-count: 1;"> </span>: ((16% x 1.100.000) / 365 ) X
7 = 3375,3425</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">19-25 <span style="mso-tab-count: 1;"> </span>( Saldo Kliring ) <span style="mso-tab-count: 1;"> </span>: ((16% x 1.200.000) /365) x
7 =
3682,1918</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">26 <span style="mso-tab-count: 1;"> </span>( Tarik Tunai ) <span style="mso-tab-count: 1;"> </span>: ((16% x 200.000) / 365) x
7
= 613,69863</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Saldo
akhir : 8767,1236</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Pajak
15% : 1315,06854</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Saldo bersih
: 7452,0556</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify;">
<u><span lang="IN" style="font-family: "Times New Roman","serif";">Daftar Pustaka : Belajar
bareng sama teman dikampus.</span></u></div>
<br />
<div class="MsoListParagraphCxSpLast" style="background: none repeat scroll 0% 0% white; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in;">
<br /></div>
<br />
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 0.75in;">
<span lang="IN" style="font-family: "Times New Roman","serif";"></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 0.75in;">
<span lang="IN" style="font-family: "Times New Roman","serif";"></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 0.75in;">
<span lang="IN" style="font-family: "Times New Roman","serif";"><span id="goog_1788180260"></span><span id="goog_1788180261"></span></span></div>
Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-41651622747930669142013-03-12T00:01:00.003+07:002013-03-12T00:03:41.090+07:00Sejarah Perbankan<br /><!--[if gte mso 9]><xml>
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<br />
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Sejarah
Berdirinya Bank MuamalatPT. Bank Muamalat, Tbk. Didirikan pada tahun 1412H atau
tahun 1991 diprakarsai oleh Majelis Ulama Indonesia (MUI) dan pemerintah
Indonesia. Dan melalui kegiatan operasinya pada tanggal 27 syawal 1412H atau tanggal
1 Mei 1992, dengan dukungan eksponen Ikatan Cendikiawan Muslim Se-Indonesia
(ICMI) dan beberapa pengusaha Muslim, pendirian Bank Muamalat juga menerima
dukungan masyarakat, terbukti dari dokumen pendirian sahan perseroan senilai
Rp. 84 Milyar pada saat penandatanganan akta Pendirian perseroan. Selanjutnya
pada acara silaturahmi pendirian di Istana Bogor diperoleh tambahan komitmen
dan masyarakat Jawa Barat yang turut menanam modal senilai Rp. 106 Milyar.</span><div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 34.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Pada tanggal 27 Oktober 1994, hanya dua tahun setelah
didirikan Bank Muamalat berhasil menyandang predikat sebagai Bank Devisa.
Pengakuan ini semakin memperkokoh posisi perseroan sebagai Bank Syariah pertama
dan terkemuka di Indonesia denga beragam jasa maupun produk yang terus
dikembangkan. Pada akhir tahun 90an, Indonesia silanda krisis moneter yang
memporak porandakan sebagaian besar perekonomian Asia Tenggara. Sektor
perbankkan nasional tergulung oleh kredit Macet disekmen korporasi, Bank
Muamalatpun terimbas danpak krisis. Di tahun 1998 rasio pembayaran macet (NPF)
mencapai lebih dari 60%, perseroan mencatat rugi sebesar Rp. 105 Milyar. </span><span lang="NO-BOK" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: NO-BOK; mso-fareast-font-family: "Times New Roman";">Ekuitas
mencapai titik terendah, yaitu Rp. 39,3 Milyar, kurang sepertiga modal setor
awal.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 34.0pt;">
<span lang="NO-BOK" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: NO-BOK; mso-fareast-font-family: "Times New Roman";">Dalam upaya
memperkuat permodalannya, BankMuamalat mencari pemodal yang potensial dan
ditanggapi secara positif oleh Islamic Development Bank (IDB) yang berkedudukan
di Jeddah, Arab Saudi. Pada RUPS tanggal 1 Juni 1999 IDB secara resmi menjadi
salah satu pemegang saham Bank Muamalat oleh karenanya kurun waktu antara tahun
1999 dan 2002 merupakan masa – masa yang penuh tantangan sekaligus keberhasilan
bagi Bank Muamalat. Dalam kurun waktu tersebut Bank Muamalat berhasil
membalikkan kondisi dari rugi menjadi laba berkat upaya dan dedikasi setiap kru
Muamalat. Ditunjang oleh kepemimpinan yang kuat, strategi pengembangan usaha
yang tepat serta ketaatan terhadap pelaksanaan perbankan syariah secara murni. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: 34.0pt;">
<span lang="NO-BOK" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: NO-BOK; mso-fareast-font-family: "Times New Roman";">Melalui
masa – masa yang sulit ini Bank Muamalat berhasil bangkit dari keterpurukan.
Diawali dari pengangkatan kepengurusan baru dimana seluruh anggota direksi
diangkat dalam tubuh Muamalat, Bank Muamalat kemudian menggelar rencana kerja
lima tahun dengan penekanan pada (i) Resturiksasi asset dan program efiensi
(ii) tidak mengandalkan setoran modal tambahan (iii) tidak melakukan PHK
satupun terhadap sumber daya insani yang ada dan dalam pemangkasan biaya, tidak
memotong hak kru Muamalat sedikitpun (iv) Pemulihan kepercayaan dan rasa
percaya diri kru Muamalat menjadi prioritas utama ditahun pertama kepengurusan
direksi baru (v) Peletakkan landasan usaha baru dengan menegakkan disiplin
kerja Muamalat sebagai agenda utama ditahun kedua dan (vi) Pembangunan tonggak
– tonggak usaha dengan menciptakan serta menumbuhkan peluang usaha menjadi
sasaran bank Muamalat pada tahun ketiga dan seterusnya yang akhirnya membawa
bank kota dengan rahmat Allah SWT ke era pertumbuhan baru memasuki
tahun 2005 dan seterusnya.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"></span></div>
Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-23798816859421468012012-11-28T19:08:00.001+07:002012-11-28T19:08:23.353+07:00Tugas Sistem Informasi Akutansi (SIA)<div class="separator" style="clear: both; text-align: center;">
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<br />Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-81626485740951506792012-10-17T23:10:00.000+07:002012-10-17T23:45:30.423+07:00TUGAS AKUTANSI - KELOMPOK<ol style="font-family: Arial,Helvetica,sans-serif;">
<li>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-size: 13pt;">Pengertian
Sistem,Elemen Sistem,Sistem Lingkaran Terbuka dan Tertutup,,serta berikanlah
contohnya!</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> 2. Gambarkan simbol
simbol dari SIA!</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: 0.0001pt; text-align: center; text-indent: -0.25in;">
</div>
<div align="center" class="MsoListParagraph" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; text-align: center;">
<span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">“Penyelesaian”</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: 0.0001pt; text-align: right; text-indent: -0.25in;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-size: 13.0pt; mso-bidi-font-family: "Monotype Corsiva"; mso-fareast-font-family: "Monotype Corsiva";"><span style="mso-list: Ignore;"> 1.</span></span><span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Sistem </span><span style="font-size: 13.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-char-type: symbol; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">adalah</span></span><span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> </span><span style="font-size: 13.0pt;">sekumpulan benda yang
memiliki hubungan diantara mereka, Kata Sistem berasal dari bahasa Latin ( <i>Systema</i>
) dan bahasa Yunani ( <i>Sustema</i> ), yaitu suatu kesatuan yang terdiri
komponen atau elemen yang dihubungkan bersama untuk memudahkan aliran
Informasi, Materi atau energi.</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify; text-indent: -0.25in;">
<span style="font-size: 13pt;"> </span><span style="font-size: 13pt;"> </span>
</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 13.0pt;">Elemen Sistem </span><span style="font-size: 13.0pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-char-type: symbol; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">adalah</span></span><span style="font-size: 13.0pt;"> Bagian terkecil sistem
yang dapat di identifikasi jika sebuah sistem cukup besar yang terdiri dari
subsistem-subsistem.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 13.0pt;">CONTOHNYA:Sistem
Komputer terdiri dari Software,Hardware,dan Brainware(Sistem Akutansi).</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;">
</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Lingkaran Terbuka </span><span style="font-size: 13.0pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-char-type: symbol; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">adalah</span></span><span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> Sistem yang
berhubungan dan berpengaruh dengan lingkungan luar.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">CONTOHNYA:Sistem
Penawaran.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Lingkaran Tertutup </span><span style="font-size: 13.0pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-char-type: symbol; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">adalah</span></span><span style="font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> Sistem yang tidak
berhubungan dan tidak berpengaruh terhadap lingkungan dari luar.</span></div>
<span style="font-size: 13.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">CONTOHNYA:Sistem
Penawaran.</span>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify; text-indent: -0.25in;">
<span style="font-size: 13pt;"> </span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify; text-indent: -0.25in;">
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-size: 13pt;"> </span>2. <span style="font-size: 13pt;"><span style="mso-list: Ignore;"></span></span><span style="font-size: 13pt;">Simbol Simbol dari
SIA “Sistem Informasi Akutansi”</span></div>
</div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify; text-indent: -0.25in;">
<br /></div>
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</div>
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<span style="font-size: 13pt;"> </span> </div>
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<span style="font-size: 13pt;"> </span></div>
</li>
</ol>
Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-65893525232363787352012-08-24T00:27:00.000+07:002012-08-24T00:27:46.043+07:00KEBENARAN PERISTIWA ISRA MI'RAJ NABI MUHAMMAD SAW<div class="separator" style="clear: both; text-align: center;">
Subhanallah Walhamdulillah Wa`lailahailallah Wallahu Akbar</div>
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Jangan minum Heineken </div>
<br />Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-90759788318117807552012-08-23T21:15:00.002+07:002012-08-24T00:03:57.369+07:00Secret Malboro<div class="separator" style="clear: both; text-align: center;">
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Jangan Merokok Malboro </div>
<br />Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-2822078736216515132012-08-18T02:10:00.001+07:002012-08-18T02:10:36.739+07:00Ciri-ciri orang yang sombong
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">Sombong
merupakan satu sifat keji yang dibenci Allah dan rasul malah oleh seluruh isi
alam ini. Mengekalkan sifat sombong ertinya mengekalkan diri dalam kutukan
Allah. Abu Laits Al Samarqandi meriwayatkan ; daripada Ka’bul Ahbar :<br />
Orang yang sombong itu akan datang pada Hari Qiamat berupa orang sekecil semut,
diliputi oleh kehinaan dan diberi minum “Thinatul Khabaal” yakni darah
bercampur nanah daripada ahli neraka.</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">Sifat sombong
atau ego ini hampir semua orang memilikinya , cuma sesiapa yang kuat mujahadah
dan takutkan Allah sahaja berjaya mengikis sifat keji ini. Antara ciri-ciri
seseorang itu ada penyakit sombong ialah:</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">1. Suka
memperkecilkan orang lain lebih-lebih lagi orang yang dipandang hina dan lebih
rendah taraf darinya.<br />
2. Susah menerima sebarang nasihat, teguran atau kritikan daripada orang lain
terutama orang di bawahnya.<br />
3. Bermegah dengan keistimewaan anugerah Allah kepadanya, seperti cantik,
berjawatan tinggi, kaya, bijak, mahsyur, dipuji orang, keturunan baik dan sebagainya.<br />
4. Suka marah-marah kepada orang atau membentak-bentak orang di khalayak ramai.<br />
5. Rasa diri hebat, sempurna, kuat hingga membelakangkan kehebatan dan
kebesaran Allah samasekali.<br />
6. Suka bergaul dengan orang yang setaraf dengannya sahaja.<br />
7. Pendapatnya sahaja yang betul dan mesti diterima, orang lain salah dan tidak
penting.<br />
8. Susah minta maaf dan senyum pada orang lain.<br />
9. Tidak pernah fikir kesusahan orang , ia fikir kesenangannya sahaja.</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">Apakah
ciri-ciri di atas ada pada kita? Kalau ada ertinya kita memiliki sifat sombong,
dan kita dalam kemurkaan Allah.</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">Sifat sombong
jika dikekalkan ia akan membinasakan hidup kita di dunia dan Akhirat. Di dunia,
susah payah hidup, kita tanggung sendirian. Bila mati tidak ada seorang pun
yang akan mengenang. Orang yang sombong akan dibenci ke mana sahaja dia pergi.
Kalau dia seorang bos pejabat, anak-anak buah akan menjauhkan diri, jika dia
pemimpin , suatu hari nanti ia akan digulingkan dan jatuh sejatuhnya.</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">Lihatlah pada
kesudahan orang-orang yang menyombongkan diri mereka. Azazil, ketua para
malaikat; kerana sombongnya dia dihalau keluar dari Syurga. Firaun ditelan Laut
Merah kerana kesombongannya mencabar Allah dan mengaku dirinya tuhan. Qarun
ditelan bumi bersama harta yang meilmpah ruah juga kerana sombong. Kikislah
sifat sombong ini dengan berkata pada diri:<br />
“Wahai diri…kalau kau sombong kau akan kehilangan kawan. ALlah dan Rasul dan
seisi alam akan membenci mu. Hidup keseorangan seperti kera sumbang. Syaitan,
firaun, Namrud, Qarun menjadi temanmu dalam Neraka. Sanggupkah kau menanggung
azab siksa Neraka yang manusia dan batu menjadi bahan bakarannya? Kawah yang
isinya logam cair menggelegak, akan dicelupkan dirimu ke dalamnya. Tahankah
dengan siksaan itu??”</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">Sebagai
penawar kepada sifat-sifat sombong ini , amalkan setiap hari:<br />
1. Baca Surah Ad Dukhan<br />
2. Shlolawat<br />
3. Mengekalkan sifat kehambaan walau di mana berada.</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">InsyaAllah
kita akan terselamat daripada sifat terkutuk itu.<br />
Tiada gunanya kita mempertahankan sombong. Firman Allah :</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">“Janganlah
kamu berjalan di muka bumi ini dengan sombong kerana sesungguhnya kamu
sekali-kali tidak dapat menembusi bumi dan tidak akan sampai setinggi langit.”<br />
Oleh itu burui lah sifat tawadhuk; merendah diri dgn Allah</span><br />
<span style="font-family: "Monotype Corsiva"; font-size: 14.0pt;">semoga kita
tidak termasuk sebagai orang-orang yang sombong karna sombong merupakan sifat keji
yang dibenci oleh allah SWT.</span><br />
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Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-24957300729727321082012-05-07T02:53:00.001+07:002012-05-07T02:53:59.322+07:00<div class="GPCRQBSAC">
<a class="GPCRQBSPB" href="" kind="edit">Tola'al badru 'Alaina</a></div>
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AL Fatihah<br />
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<br />Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-26317354235203664652012-05-06T00:21:00.000+07:002012-05-06T00:30:43.548+07:00Do`a untuk Orang tua<div class="separator" style="clear: both; text-align: center;">
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<br />Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-80083111214975654172012-04-08T22:28:00.002+07:002012-04-08T22:28:20.807+07:00Jangan mengeluh di (dinding) facebook..<strong>Jangan mengeluh di (dinding) facebook..</strong><br />
<strong> Tahukah anda apa makna Wall (Dinding) ?</strong><br />
<br />
<br />
<strong>Ia bermakna Dinding. Lalu kenapa dengan dinding?</strong><br />
<strong> Siapakah yang membuat fb? Mark Zuckerberg seorang berbangsa Yahudi. Apa kaitannya Wall & Yahudi? Kaitan keduanya sangat erat. </strong><br />
<br />
<strong>Dinding Ratapan....</strong><br />
<strong> Di dinding itu mereka menangisi dosa-dosa mereka, meluahkan harapan, ratapan dan segalanya. Itulah tujuan mereka membuat fb. </strong><br />
<br />
<strong> Dan tanpa kita sadari, kita lebih banyak mengadu masalah di fb dari pada mengadu kepada ALLOH Subhana Wa Ta’ala, lebih mengutamakan update status daripada sholat dan dzikir kepada ALLOH Subhana Wa Ta’ala. </strong><br />
<br />
<strong> Hati-hatilah sahabat, bisa-bisa kita nanti menjadi ''Tassyabuh'' atau menyerupai kaum lain (Yahudi). Nabi melarang dalam sabdanya:'' Barang siapa menyerupai suatu kaum, maka ia termasuk dalam golongannya." (HR Abu Dawud, Ahmad) </strong><br />
<br />
<strong> Oleh karena itu, jangan jadikan Wall fb sebagai tempat menumpahkan segala macam perasaan seperti mereka. Tapi jadikanlah ia sebagai tempat membagi ilmu dan nasehat kebaikan kepada umat Nabi Muhammad Sholallohu Alaihi Wa sallam. Walaupun hanya kepada 1 orang. </strong><br />
<strong>Wallohu'alam</strong><br />
<span class=""><img alt="" class="photo_img img" src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash3/552138_3003016725840_1575014710_32455987_51002654_n.jpg" /><span class="caption"></span></span><br />
<span class=""><img alt="" class="photo_img img" src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash3/535036_3003017285854_1575014710_32455988_1408817714_n.jpg" /><span class="caption"></span></span><br />
<span class=""><img alt="" class="photo_img img" src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-prn1/554149_3003017645863_1575014710_32455989_720527188_n.jpg" /></span>Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-70921426166605062112012-03-15T23:25:00.000+07:002012-03-15T23:25:33.770+07:00SISHA TERNYATA LEBIH BAHAYA DARI PADA ROKOK BIASA<strong>Rokok Arab</strong>, atau biasa dikenal di Indonesia dengan nama <strong>Shisha</strong>, saat ini menjadi trend gaya hidup masyarakat di perkotaan. Ini terlihat dari banyaknya kedai shisha yang buka di mall, atau juga kafe tempat berkumpulnya anak muda. <br />
Aroma buah-buahan segar, bahkan juga bunga yang sengaja dicampurkan pada tembakau yang dihisap pada pipa shisha yang panjang, membuat banyak orang berfikir bahwa merokok shisha tidak berbahaya.<br />
Padahal satu kali hisapan shisha, mengandung <strong>zat berbahaya</strong> yang sama dengan 70 kali menghisap<a href="http://sidomi.com/74096/fakta-fakta-seputar-merokok/" title="Fakta-Fakta Seputar Merokok"> rokok biasa</a>.<br />
Ini disebabkan karena durasi dan jumlah tembakau yang ada pada satu tabung shisha lebih banyak dibanding dengan durasi dan jumlah tembakau yang ada pada rokok biasa.<br />
Jumlah asap yang dihirup oleh si perokok shisha pun jelas lebih banyak dibanding rokok biasa, sebab bentuk pipa shisha yang besar.<br />
Besarnya bahkan mencapai 0,15-1 liter asap sekali hisapan. Sedangkan rokok biasa tidak sebesar itu.<br />
Kandungan tar, nikotin dan karbon monoksida yang dihasilkan shisha pun amat berlimpah.<br />
Jika seseorang duduk dan menghisap shisha 1 jam, maka bahayanya sama seperti orang yang menghabiskan 100 batang rokok.<br />
Resiko <a href="http://sidomi.com/65515/merokok-cara-gampang-untuk-pikun/" title="Merokok, Cara Gampang untuk Pikun">penularan penyakit</a> paru seperti TBC dan hepatitis juga lebih besar terjadi, sebab pemakaian satu tabung shisha yang bersama-sama membuat kuman dan bakteri mudah berpindah.Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-70583220516528636432012-03-07T22:54:00.000+07:002012-03-07T22:54:27.873+07:00Tips menang main zynga poker (no hack 100%trik)Ini dia Rahasia zynga poker untuk players yang memegang dua buah kartu yang bisa menghasilkan kemenangan dengan presentase lebih besar.<br />
Setelah sekian lama main zynga poker dan memperhatikan kartu yang muncul di meja beberapa kartu yang saya upload di sini dan sudah saya beri tanda kotak yang berbeda adalah merupakan rentetan kartu yang sering di munculkan oleh bandar pada permainan game online zynga poker.<br />
Saya bukan sekedar memberikan gambaran klise,tetapi saya akan membuka rahasia beberapa kartu yang jika anda mendapatkannya maka peluang menjadi seorang pemenang di ronde itu adalah 90% milik anda.<br />
Trik ini sudah melalui penghitungan uji presentase kejadian yang di test oleh beberapa teman kami yang kami mainkan dalam 1 meja dengan beberapa ronde dan di lakukan di masing-masing server zynga poker. Kami sudah membuktikannya dan hasilnya sungguh luar biasa.dengan pengamatan cerdik ini kami bisa meraup ratusan Miliar chips di meja besar.Saya juga akan menambahkan beberapa trik zynga poker dalam posisi duduk yang ideal dan menghasilkan kartu yang lebih sering di keluarkan oleh bandar pada permainan zynga poker.<br />
Trik ini sengaja saya posting untuk di nikmati para pecinta zynga poker yang sama sekali tidak bisa membaca dan memperkirakan kejadian peluang kartu yang muncul di meja.Karena kami tidak ingin anda hanya sekedar membaca seluruh isi pada halaman blog ini tanpa mempraktekannya dan saya ingin semua yang ada di sini bisa mendapatkan ratusan chips poker. saya tahu bagaimana sakitnya jika anda terus merengek-rengek minta chips terhadap teman anda dan selalu di acuhkan,,, hal ini sering saya alami dulu sewaktu saya masih sangat awam dan tidak tahu sama sekali tentang permainan ini,dan hal ini selalu momotifasi bagaimana kita bisa melakukan tindakan yang tepat dan keputusan dalam hidup..<br />
Ini dia beberapa kartu yang sudah saya tandai,anda boleh mempraktekannya tetapi semua tetap tergantung lucky anda.<br />
<div><a href="http://elananismarianto.files.wordpress.com/2011/12/kartuaku.jpg"><img alt="" border="0" height="156" src="http://elananismarianto.files.wordpress.com/2011/12/kartuaku.jpg?w=400&h=156" width="400" /></a></div><div><em>KETERANGAN :</em> BARIS 1 Kartu kriting</div><ol><li>(AS-7) (AS-5) =Peluang kejadian > Flush unuk AS-7 dan pairs , Straight untuk AS-5 Dan pairs AS</li>
<li>(7-5) (BUKAN 5-7) =Peluang kejadian > Straight, Pairs 7. 3 0ff a kinds (5)</li>
<li>(9-10) =Peluang kejadian > Straight , Pairs 9-10</li>
<li>(Q-10) (Q-K) = Peluang kejadian > Pairs , Big Straight , Flush</li>
</ol>Baris 2 Kartu Waru<br />
<ol><li>(AS-8) (AS-K) (QK) =Peluang kejadian > Pairs , Big Pairs/Hig Card , Flush untuk AS-8 dan AS-Q</li>
<li>(5-6) =Peluang kejadian . Straight, pairs 6</li>
<li> (8-9) (BUKAN 9-8) =Peluang kejadian > Straight</li>
<li>(10-Q) (Q-K) = peluang kejadian >Straight,Big pairs,</li>
</ol>Baris 3 Kartu Love<br />
<ol><li>(AS-Q) (AS-10) =Peluang kejadian > Hig Card, Big Straight, Flush, Pairs Q Dan 3 0ff kinds Q</li>
<li>(AS-4) =Peluang kejadian > Flush, Pairs 4 , Straight</li>
<li>(2-3) (Q-K) =Peluang kejadian > Straight dan mini flush untuk 2-3 ,Hig Card pairs dan Full house untuk QK</li>
<li>(9-J) =Peluang kejadian > Straight/ Flush</li>
</ol>Baris 4 Kartu Wajik<br />
<ol><li>(AS-K) =Peluang kejadian > Hig Card,Flush dan Big Pairs</li>
<li>(5-6) =Peluang kejadian > Straight pairs tengah</li>
<li>(8-J) =Peluang kejadian > Flush</li>
</ol>keterangan<br />
Daftar tersebut adalah bila anda mendapatkan kartu seperti yang saya sebutkan di atas ( kartu dengan kembang yang sama ) maka jangan segan-segan untuk bertaruh seluruh chips anda,tetapi untuk mendapatkan kartu seperti yang saya sebutkan di atas sangatlah susah,itu semua tergantung keberuntungan anda..Dan saran saya jika anda mendapatkan kartu seperti yang saya sebutkan di atas (tetapi tidak mempunyai kembang yang sama ) anda boleh mengikuti permainan.Soal kartu di atas jelas kartu yang saya sebutkan di atas adalah kartu yang paling dominan yang sering saya jumpai mendominasi meja dan bila salah satu pada tahap permainan dalam 1 ronde menemukannya, maka dialah sang pemenang.<br />
<strong>Berikut ini Trik memilih tempat duduk yang ideal.</strong><br />
Dalam Permainan poker,tempat duduk sangat menentukan dengan nasib kita di babak berikutnya.beberapa kartu yang di bagikan secara acak dan di keluarkan di rounde sebelumnya jelas sangat mempengaruhi dengan peluang kita mendapatkan kartu selanjutnya.TIM zynga telah memperbaiki system mereka agar permainan ini berjalan seperti alamiah. berikut trik dalam mencuri kartu milik lawan yang bisa anda manfaatkan adalah dengan merebut bangku yang berpeluang menang.sebaiknya untuk yag satu ini jangan pernah anda abaikan jika anda ingin memenangkan pertandingan di babak-babak selanjutnya.<br />
dalam permainan poker di zynga ada 2 area yang terbagi, area pertama Area kanan dan Kiri (1-2)<br />
hal pertama yang kamu lakukan adalah masuk ke dalam room dan jangan duduk ( ingat…!!! jangan langsung duduk di bangku ) Tetapi hal yang perlu kamu lakukan adalah amatilah 2-3 kali pertandingan,lihat area 1 atau 2 yang lebih mendominasi permainan.Yang ke dua, lihatlah bangku yang memenangkan pertandingan di 2-3 ronde terakhit setelah kamu menemukan jawabanya, rebutlah bangku tersebut secepat kamu bisa, dan jika players tersebut tidak beranjak dari bangku segera lakukan cut Card . duduklah di sebelah kanan bangku tersebut, hal ini adalah trik memotong kartu lawan, yang seharusnya kartu2 lucky tersebut jatuh di tangan players tersebut,kemungkinan putarannya akan berbalik ke anda.<br />
OK…. selamat bermain Zynga poker… semoga keberuntunganada di pihak anda.<br />
Untuk hasil lebih baik kerjasama dengan teman-teman untuk menguasai permainan dalam satu mejaSafar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-57653159141105013512012-03-07T00:00:00.000+07:002012-03-07T00:00:11.649+07:00Batik Club sepak Bola<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisGp95XZN6qj4Fs4_stPXQxG_HN8qjYHZDKzpI6W3CUxGqyGATc2sxxASi1ssrHIvOrqF7g7eHPNwwpDX2T0RU1i5JuFCy_hjpu48OI83EXYfkNsl1G9FWS3CSVWmrWSBMLC9Ic7dJTvI/s1600/1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisGp95XZN6qj4Fs4_stPXQxG_HN8qjYHZDKzpI6W3CUxGqyGATc2sxxASi1ssrHIvOrqF7g7eHPNwwpDX2T0RU1i5JuFCy_hjpu48OI83EXYfkNsl1G9FWS3CSVWmrWSBMLC9Ic7dJTvI/s320/1.jpg" width="310" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgP7LrDyEm0bRPbhfrYnzXrvYbVoq2w1a8McXdCP1C1EAAILDfVpqcR8O2DFTOXth5Bbgjk0kO_lg0ZKrlsWBjSzv1lVmU9WjM4f5he_3xdpiEU9x7HQbo6l8eQ8RHb0YJgVWsdnB4jXg4/s1600/10.jpg" imageanchor="1" style="margin-left: 1em; 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</div>Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-15222759994075106502011-11-22T22:29:00.000+07:002011-11-22T22:29:44.020+07:00Perbedaan INTERNET,EKSTRANET dan INTRANET<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> <div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><u><span style="font-size: 13.0pt; line-height: 115%;">INTERNET</span></u></i></b></div>Internet yang berasal dari kata Interconnection Networking yang mempunyai arti hubungan komputer dengan berbagai tipe yang membentuk sistem jaringan yang mencakup seluruh dunia (jaringan komputer global) dengan melalui jalur telekomunikasi seperti telepon, radio link, satelit dan lainnya.<br />
Dalam mengatur integrasi dan komunikasi jaringan komputer ini digunakan protokol yaitu TCP/IP. TCP (Transmission Control Protocol) bertugas memastikan bahwa semua hubungan bekerja dengan benar, sedangkan IP (Internet Protocol) yang mentransmisikan data dari satu komputer ke komputer lain. TPC/IP secara umum berfungsi memilih rute terbaik transmisi data, memilih rute alternatif jika suatu rute tidak dapat di gunakan, mengatur dan mengirimkan paket-paket pengiriman data.<br />
Untuk dapat ikut serta menggunakan fasilitas Internet, biasanya Anda harus berlangganan ke salah satu ISP (Internet Service Provider) yang ada di kota Anda. ISP ini biasanya disebut penyelenggara jasa internet ataupun Anda dapat menggunakan fasilitas dari Telkom yakni Telkomnet Instan.<br />
Dengan memanfaatkan internet, pemakaian komputer di seluruh dunia dimungkinkan untuk salingberkomunikasi dan pemakaian bersama informasi dengan cara saling kirim e-mail, menghubungkan ke komputer lain, mengirim dan menerima file, membahas topik tertentu pada newsgroup dan lain-lain.<br />
<div class="MsoNormal"><span style="font-size: 12.0pt; line-height: 115%;">Fasilitas-Fasilitas yang dapat di manfaatkan dengan menggunakan internet, diantaranya :</span></div><div class="MsoListParagraphCxSpFirst" style="mso-list: l1 level1 lfo1; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Web, adalah fasilitas hypertext untuk menampilkan data berupa teks, gambar, bunyi, animasi dan data multimedia lainnya, yang diantara data tersebut saling berhubungan satu sama lain. Untuk memudahkan Anda membaca data dan informasi tesebut Anda dapat mempergunakan web browser seperti Internet Explorer ataupun Netscape.</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">E-Mail (Electronic Mail), dengan fasilitas ini Anda dapat mengirim dan menerima surat elektronik (e-mail) pada/dari pemakai komputer lain yang terhubung di internet, dan dapat menyertakan file sebagai lampiran (attachment).</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo1; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Newsgroup, fasilitas ini digunakan untuk mendistribusikan artikel, berita, tanggapan, surat, penawaran ataupun file ke pemakai internet lain yang tergabung dengan kelompok diskusi untuk topik tertentu. Dengan fasilitas ini pula Anda dapat melakukan diskusi, seminar ataupun konferensi dengan cara elektronik tanpa terikat waktu, ruang dan tempat.</span></div><div class="MsoListParagraphCxSpLast" style="mso-list: l1 level1 lfo1; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">FTP (File Transfer Protocol), fasilitas ini digunakan untuk menghubungkan ke server computer tertentu dan bila perlu menyalin (download) file yang Anda butuhkan dari server tersebut dan menyimpannya di komputer Anda.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-size: 12.0pt; line-height: 115%;">Istilah-Istilah Yang Sering Digunakan dalam Internet, diantaranya yaitu:</span></div><div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">WWW (World Wide Web), merupakan kumpulan web server dari seluruh dunia yang berfungsi menyediakan data dan informasi untuk digunakan bersama. Berbagai informasi dapat Anda temukan pada WWW, seperti informasi politik, ekonomi, sosial, budaya, sastra, sejarah, teknologi, pendidikan dan sebagainya. Kita dapat mengumpamakan WWW ini merupakan perpustakaan besar yang menyediakan berbagai informasi yang dibutuhkan.</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Web Site (Situs Web), merupakan tempat penyimpanan data dan informasi dengan berdasarkan topik tertentu. Diumpamakan situs Web ini adalah sebuah buku yang berisi topik tertentu.</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Web Pages (Halaman Web), merupakan sebuah halaman khusus dari situs Web tertentu. Diumpamakan halaman Web ini adalah sebuah halaman khusus buku dari situs Web tertentu.</span></div><div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Homepage, merupakan sampul halaman yang berisi daftar isi atau menu dari sebuah situs Web.</span></div><div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Browser, merupakan program aplikasi yang digunakan untuk memudahkan Anda melakukan navigasi berbagai data dan informasi pada Web Site.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Manfaat internet</span></b></div><div class="MsoNormal"><span style="font-size: 12.0pt; line-height: 115%;">Secara umum ada banyak manfaat yang dapat diperoleh apabila seseorang mempunyai akses ke internet .Berikut ini sebagian dari apa yang tersedia di internet: 1. Informasi untuk kehidupan pribadi :kesehatan, rekreasi, hobby, pengembangan pribadi, rohani, sosial. 2. Informasi untuk kehidupan profesional/pekerja :sains, teknologi, perdagangan, saham, komoditas, berita bisnis, asosiasi profesi, asosiasi bisnis, berbagai forum komunikasi</span>.</div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><u><span style="font-size: 13.0pt; line-height: 115%;">EKSTRANET</span></u></i></b></div>Ekstranet adalah jaringan pribadi yang menggunakan protokol internet dan sistem telekomunikasi publik untuk membagi sebagian informasi bisnis atau operasi secara aman kepada penyalur (supplier), penjual (vendor), mitra (partner), pelanggan dan lain-lain.<br />
Ekstranet dapat juga diartikan sebagai intranet sebuah perusahaan yang dilebarkan bagi pengguna di luar perusahaan. Perusahaan yang membangun extranet dapat bertukar data bervolume besar dengan EDI (Electronic Data Interchange), berkolaborasi dengan perusahaan lain dalam suatu jaringan kerjasama dan lain-lain.<br />
Salah satu contoh aplikasi yang dapat digunakan untuk extranet adalah Lotus Notes.<br />
<br />
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><u><span style="font-size: 13.0pt;">INTRANET</span></u></i></b><br />
Intranet adalah sebuah jaringan komputer berbasis protokol TCP/IP seperti internet hanya saja digunakan dalam internal perusahaan, kantor, bahkan warung internet (WARNET) pun dapat di kategorikan Intranet. Antar Intranet dapat saling berkomunikasi satu dengan yang lainnya melalui sambungan Internet yang memberikan tulang punggung komunikasi jarak jauh. Akan tetapi sebetulnya sebuah Intranet tidak perlu sambungan luar ke Internet untuk berfungsi secara benar. Intranet menggunakan semua protocol TCP/IP Protokol TCP/IP, alamat IP, dan protokol lainnya), klien dan juga server. Protokol HTTP dan beberapa protokol Internet lainnya (FTP, POP3, atau SMTP) umumnya merupakan komponen protokol yang sering digunakan. sebuah intranet dapat dipahami sebagai sebuah “versi pribadi dari jaringan Internet”, atau sebagai sebuah versi dari Internet yang dimiliki oleh sebuah organisasi.<br />
Jika sebuah badan usaha / bisnis / institusi mengekspose sebagian dari internal jaringannya ke komunitas di luar, hal ini di sebut ekstranet. Memang biasanya tidak semua isi intranet di keluarkan ke publik untuk menjadikan intranet menjadi ekstranet. Misalnya kita sedang membeli software, buku dll dari sebuah e-toko, maka biasanya kita dapat mengakses sebagian dari Intranet toko tersebut. Badan usaha / perusahaan dapat memblokir akses ke intranet mereka melalui router dan meletakan firewall. Firewall adalah sebuah perangkat lunak / perangkat keras yang mengatur akses seseorang kedalam intranet. Proteksi dilakukan melalui berbagai parameter jaringan apakah itu IP address, nomor port dll. Jika firewall di aktifkan maka akses dapat dikontrol sehingga kita hanya dapat mengakses sebagian saja dari Intranet perusahaan tersebut yang kemudian dikenal sebagai extranet.<br />
<b style="mso-bidi-font-weight: normal;">Kegunaan intranet</b><br />
Dasarnya perangkat lunak aplikasi yang digunakan di Intranet tidak berbeda jauh dengan yang digunakan di Internet. Di Intranet digunakan Web, e-mail dll. persis seperti yang digunakan di Intranet. WARNET sebetulnya intranet yang sangat sederhana sekali, kebetulan tidak ada content yang khusus / spesifik yang internal di warnet tsb.<br />
Web dengan perangkat database di belakangnya, biasanya merupakan alat bantu paling potensial untuk melakukan 2 hal utama yaitu:<br />
1. Membuat perusahaan / institusi menjadi semakin effisien, pendekatan yang dilakukan disini biasanya membuat system informasi manajemen yang berbasis Web & database. Cukup banyak rasanya orang di Indonesia yang mengerti masalah MIS ini. Jika MIS / ERP perusahaan telah ditata dengan baik langkah selanjutnya biasanya mengarah ke e-commerce (dagang melalui Internet). Perlu dicatat bahwa sebaiknya jangan masuk terlalu jauh ke e-commerce jika system backoffice MIS / ERP perusahaan tsb belum siap, karena akan tampak sekali cacatnya.<br />
2. Membuat perusahaan / institusi menjadi semakin kompetitif di dunia-nya. Bahkan jika mungkin menjadi pemimpin dalam usahanya. Membuat sebuah badan menjadi kompetitif hanya mungkin dilakukan jika kita dapat mengolah secara baik sumber daya manusia & sumber daya pengetahuan yang ada di internal badan / perusahaan tersebut. Ilmu / konsep yang berkaitan dengan hal ini adalah konsep knowledge management. Dasarnya adalah bagaimana kita melakukan percepatan proses daur ulang, analisis, sintesa dari pengetahuan baik itu yang bersifat implicit maupun eksplisit. Masih jarang ahli di Indonesia yang menguasai teknik tsb, sebetulnya yang paling baik proses penguasaan teknik ini adalah para pustakawan.<br />
<br />
Jadi….perbedaanya yaitu :<br />
<b style="mso-bidi-font-weight: normal;">Internet </b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Wingdings; mso-ascii-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">è</span></span> </b><span style="font-family: "Arial","sans-serif"; mso-font-kerning: 18.0pt;">Internet dapat diartikan sebagai jaringan komputer luas dan besar yang mendunia, yaitu menghubungkan pemakai komputer dari suatu negara ke negara lain di seluruh dunia, dimana di dalamnya terdapat berbagai sumber daya informasi dari mulai yang statis hingga yang dinamis dan interaktif.</span><br />
<b style="mso-bidi-font-weight: normal;">Ekstranet </b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Wingdings; mso-ascii-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">è</span></span> </b>Jika sebuah badan usaha atau bisnis mengekspose sebagian dari internal jaringan ke komunitas di luar.<br />
<b style="mso-bidi-font-weight: normal;">Intranet </b><b style="mso-bidi-font-weight: normal;"><span style="font-family: Wingdings; mso-ascii-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">è</span></span> </b>Adalah sebuah jaringan koputer berbasis protokol TCP/IP seperti internet, hanya saja digunakan dalam internal perusahaan atau kantor dengan aplikasi berbasis web dan teknologi komunikasi data seperti internet ( bahkan warung internet (warnet) dapat dikategorikan sebagai intranet).Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-7590620911765987662011-11-22T21:22:00.000+07:002011-11-22T21:22:48.231+07:00SDLC(System Development Life Cycle)<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Pengembangan system (System development) dapat berarti menyusun suatu system yang baru untuk menggantikan system yang lama secara keseluruhan atau memperbaiki sistem yang telah ada. sistem yang lama perlu diperbaiki atau diganti disebabkan karena beberapa hal, yaitu :</span></div><ol start="1" type="1"><li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Adanya permasalahan-permasalahan (problems) yang timbul pada sistem yang lama.</span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Untuk kesempatan-kesempatan(opportunities).</span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Adanya instruksi-instruksi(directivies).</span></li>
</ol><div class="MsoNormal" style="line-height: 150%;"><span style="font-size: 12.0pt; line-height: 150%;">SDLC (System development life cycle) atau siklus hidup pengembangan sistem adalah pengembangan sistem informasi yang berbasis komputer. Dalam penyelesaiannya membutuhkan waktu sampai berbulan-bulan bahkan bertahun-tahun. Proses pengembangan sistem melewati beberapa tahapan dari mulai sistem itu direncanakan sampai sistem tersebut diterapkan. jika suatu sistem yang sudah dikembangkan menghadapi suatu masalah, maka perlu dikembangkan kembali suatu sistem untuk mengatasinnya. Hal inilah yang dinamakan siklus hidup sistem(System life cycle). <br />
Pada <b style="mso-bidi-font-weight: normal;"><i>System life cycle</i></b>, tiap-tiap bagian dari pengembangan sistem dibagi menjadi beberapa tahapan, yaitu :</span></div><div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l1 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 150%;">System Planning (Perencanaan Sistem)</span></div><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 150%;">System Analysis (Analisis Sistem)</span></div><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 150%;">System Design (Desain Sistem)</span></div><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 150%;">System Implementation (Implementasi Sistem)</span></div><div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 150%;">System Selection (Seleksi Sistem)</span></div><div class="MsoListParagraphCxSpLast" style="line-height: 150%; mso-list: l1 level1 lfo2; text-indent: -.25in;"><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 150%;">System Maintenance (Perawatan Sistem)</span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div class="MsoNormal" style="line-height: 150%;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 150%;">Analisis</span></b></div><div class="MsoNormal" style="line-height: 150%;"><span style="font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>pada analisis ini adalah melakukan beberapa survey terhadap apa yang akan dibutuhkan dan terjadi pada saat system(aplikasi) akan dibuat dalam SDLC bagian perpustakaan (hardware). Pada sistem sirkulasi buku perpustakaan yang dibutuhkan adalah <i>Optical bar reader</i> yang nantinya akan digunakan untuk meneruskan informasi ke komputer, kemudian ada <i>database</i> yang nantinya akan digunakan untuk menyimpan informasi, terminal peragaan visual dan id card untuk pengunjung agar bisa meminjam buku.</span></div><div class="MsoNormal" style="line-height: 150%;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 150%;">Desain</span></b></div><div class="MsoNormal" style="line-height: 150%;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span></span></b><span style="font-size: 12.0pt; line-height: 150%;">melakukan interface terhadap inputan dan output bagi petugas agar mudah mengoperasikan komputer dan bagi pengunjung agar mudah melihat macam-macam buku.</span></div><div class="MsoNormal" style="line-height: 150%;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 150%;">Implementasi</span></b></div><div class="MsoNormal" style="line-height: 150%;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span></span></b><span style="font-size: 12.0pt; line-height: 150%;">menentukan bahasa pemrograman yang digunakan, hardware yang dipakai yaitu beberapa buah PC yang digunakan petugas untuk menginput, mengakses data. OBR untuk meneruskan informasi ke komputer<b>, </b>database yang digunakan untuk menyimpan informasi, terminal peragaan visual dan id card untuk pengunjung agar bisa meminjam buku.</span></div><div class="MsoNormal" style="line-height: 150%;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 150%;">Maintenance</span></b></div><div class="MsoNormal" style="line-height: 150%;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span></span></b><span style="font-size: 12.0pt; line-height: 150%;">melakukan pengecekan terhadap sistem yang dilakukan oleh analis sistem setiap 1 bulan sekali. Sehingga apabila ada kerusakan terhadap sistem maka analis sistem bisa langsung melakukan perbaikan terhadap sistem tersebut.</span></div><div class="MsoNormal" style="line-height: 150%;"><br />
</div><div style="line-height: 150%;">Siklus SDLC dijalankan secara berurutan, mulai dari langkah pertama hingga langkah keenam. Setiap langkah yang telah selesai harus dikaji ulang, kadang-kadang bersama expert user, terutama dalam langkah spesifikasi kebutuhan dan perancangan sistem untuk memastikan bahwa langkah telah dikerjakan dengan benar dan sesuai harapan. Jika tidak maka langkah tersebut perlu diulangi lagi atau kembali ke langkah sebelumnya.</div><div style="line-height: 150%;">Kaji ulang yang dimaksud adalah pengujian yang sifatnya quality control, sedangkan pengujian di langkah kelima bersifat quality assurance. Quality control dilakukan oleh personal internal tim untuk membangun kualitas, sedangkan quality assurance dilakukan oleh orang di luar tim untuk menguji kualitas sistem. Semua langkah dalam siklus harus terdokumentasi. Dokumentasi yang baik akan mempermudah pemeliharaan dan peningkatan fungsi system.</div>Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-585825384905282212011-10-28T23:29:00.000+07:002011-10-28T23:29:49.516+07:00GuruSebaris kata yang teramat indah<br />
terungkap dari seorang Ibu<br />
Untuk terlepas dari ke bodohan<br />
“HABIS GELAP TERBITLAH TERANG”<br />
Guru bagai terang dalam kegelapan.<br />
Semerbak wangi di taman yang teduh<br />
membuka jalan, dan mata hati untuk ilmu pengetahuan.<br />
Guru….tanpamu kami tak berarti apa-apa<br />
denganmu, kami bisa jadi bermanfaat bagi negeri ini.<br />
Bagai ambun di pagi hari,<br />
engkau menyejukan hati ini dengan berbagai ilmupengetahuan<br />
yang Kau ajarkan pada kami.<br />
Dengan do’a yang teramat tulus dan ikhlas,<br />
ku panjatkan kepada Sang Pencipta,<br />
sebagai rasa tanda <a href="http://www.gudangpuisi.com/2011/09/terima-kasih.html" title="Baca juga puisi TERIMA KASIH..">terima kasih</a> ku kepadamu.<br />
Guru engkau sangat berarti bagiku<br />
dan kehidupan kami.Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-69610885415236808832011-10-28T23:18:00.001+07:002011-10-28T23:19:11.243+07:00Anak Dalam Celana<div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">Suatu ketika di pemberhentian sebuah Bis, naiklah seorang Ibu muda yang tengah hamil kurang lebih 5 bulan...</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">Namun Ibu muda ini merasa agak kesal setelah naik Bis tsb. karena Bis telah penuh...namun tiba2 ia punya ide >gmna klo dia minta kursi sama seorang Pemuda tanggung yg ada di dekatnya<</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">kemudian ia berkata kepada pemuda tsb.</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">" Boleh ga saya minta tempat duduknya Mas? kalo cuma saya sih ga apa2, tapi Anak dalam perut nie kasihan!!" katanya dengan agak manja dan sedikit memelas...</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">"Ehhhmmm" gumam si Pemuda tsb sambil berdiri memberikan tempat duduknya kepada si Ibu muda</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">tak lama kemudian Pemuda ini sambil berdiri dekat Si ibu muda menyalakan rokoknya. alhasil perbuatannya menuai protes dari si ibu muda</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">"Boleh ga Rokoknya dimatikan? kalo cuma saya sih ga apa2, tapi Anak dalam perut nie kasihan!!"</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">Dengan muka masam Pemuda tsb kembali memenuhi permintaan Si ibu muda ini sambil menggerutu dalam hati (uuuuggh sudah dikasih tempat duduk, ngelarang orang ngerokok lagi)gumamnya.</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">Tiba-tiba bis berhenti mendadak berhenti membuat seluruh penumpang tersentak & kaget termasuk Pemuda dan ibu muda yg sedang dalam cerita ini, gkgkgkgk</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">Saking tersentaknya si ibu muda tersebut sampai2 Daster yang ia pakai tersingkap hingga bagian pangkal pahanya. si pemuda meliat hal itu sebagai ajang balas dendam dengan berkata</span></div><div style="text-align: left;"><span class="Apple-style-span" style="font-weight: normal;">Mbak, boleh gak tuh paha ditutupin!kalo cuma saya sih ga apa2, tapi Anak dalam celana nie kasihan!!"</span></div>Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-617315752596952032011-10-26T00:29:00.002+07:002011-10-26T00:29:11.567+07:00jangan di sini kita berhentikenapa di sini kita berhenti,<br />
jalan masih panjang untuk kita tapaki,<br />
jangan takut pada rintang yang menghalangi,<br />
lewati,<br />
jangan pernah takut pada teriak yang menghujam hati,<br />
toh.,<br />
nanti mereka juga bakal mengerti,<br />
ini jurang bakal kita lompati,<br />
dan liat.,<br />
di seberang sana mentari tlah menanti,<br />
jangan di sini kita berhenti,<br />
jalan masih panjang untuk kita lalui.<br />
<div style="background-color: transparent; border: medium none; color: black; overflow: hidden; text-align: left; text-decoration: none;"><br />
Puisi ini bersumber dari : <a href="http://www.gudangpuisi.com/2011/10/jangan-di-sini-kita-berhenti.html#ixzz1bodEybFX" style="color: #003399;">http://www.gudangpuisi.com/2011/10/jangan-di-sini-kita-berhenti.html#ixzz1bodEybFX</a> <br />
Blogger yang beretika selalu menampilkan sumbernya. </div>Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0tag:blogger.com,1999:blog-3800788650651729285.post-34654648079809236702011-10-26T00:28:00.002+07:002011-10-26T00:28:12.630+07:00RESAPI,,,ITU ORANG TUAMUDalam gelap kita hanya bisa meraba,,,<br />
dalam terang kita hanya bisa memandang,,,<br />
sangupkah kita berdiri sendiri tanpa membantu ataupun dibantu yang lainnya,,,<br />
demi cita2,demi kelancaran,demi kehormatan,,,<br />
tp ingatkah kita pada org yg kita sayangi,,org yg telah melahirkan kita di dunia ini,,,sesering apakah kita membalas kebaikan mereka,,,doakanlah mereka yg baik,,,dan sesunguhnya mereka tidak meminta banyak,,,salam dan ciumlah tangan mereka setiap hendak pergi,,,dengan doa mereka niscaya hati lega dan hiduppun indah,,,<br />
<div style="background-color: transparent; border: medium none; color: black; overflow: hidden; text-align: left; text-decoration: none;"><br />
Puisi ini bersumber dari : <a href="http://www.gudangpuisi.com/2011/01/resapiitu-orang-tuamu.html#ixzz1bod0EwPa" style="color: #003399;">http://www.gudangpuisi.com/2011/01/resapiitu-orang-tuamu.html#ixzz1bod0EwPa</a> <br />
Blogger yang beretika selalu menampilkan sumbernya. </div>Safar Septiantohttp://www.blogger.com/profile/13001417218072463396noreply@blogger.com0