BLKL IAN.ppt - Bank Perkreditan Rakyat Christian Kumara...

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Bank Perkreditan Rakyat Christian Kumara Putra 140421410 Brian Subiakto Tampubolon 140421
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Sejarah BPR
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PENGERTIAN
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Perbedaan utama antara bank umum dengan BPR terletak pada pemberian jasa lalu lintas pembayaran. Bank Umum dapat memberikan jasa lalu lintas pembayaran karena bank umum diperbolehkan menerima simpanan masyarakat dalam bentuk rekening giro, yang penarikannya dapat dilakukan dengan menggunakan cek atau alat pembayaran lalu lintas giral lainnya dan ikut serta dalam kegiatan kliring. PENGERTIAN
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Terkait dengan hal ini, bank umum dapat menciptakan uang giral sehingga bank umum juga disebut Bank Pencipta Uang Giral (BPUG). Sementara itu, BPR tidak diperkenankan menerima simpanan masyarakat dalam bentuk rekening giro dan juga tidak dapat ikut serta kegiatan kliring sehingga disebut bank yang tidak memberikan jasa lalu lintas pembayaran. PENGERTIAN
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KEGIATAN BPR Hampir sama dengan bank umum, hanya lebih terbatas. 1.Menghimpun dana masyarakat hanya dalam bentuk simpanan berupa tabungan,deposito berjangka dan atau bentuk lainnya yang dapat dipersamakan dengan tabungan atau
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