Artikel Bahasa Inggris

TUGAS ARTIKEL
AKUNTANSI PERBANKAN
Disusun oleh :
AL ANNISAH 14150001
EKONOMI V. A
SEKOLAH TINGGI KEGURUAN DAN ILMU PENDIDIKAN
PERSATUAN GURU REPUBLIK INDONESIA
BANDAR LAMPUNG
TAHUN 2016
PREFACE
Assalamualaikum, Wr. Wb
First of all, thanks to Allah SWT because of the help of Allah, writer finished writing the
paper banking accounting article right in the calculated time.
The purpose in writing this paper is to fulfill the assignment that given by Mr. M. Idham as
lecturer in banking accounting.
in arranging this paper, the writer trully get lots challenges and obstructions but with help of
many indiviuals, those obstructions could passed. writer also realized there are still many
mistakes in process of writing this paper.
because of that, the writer says thank you to all individuals who helps in the process of
writing this paper. hopefully allah replies all helps and bless you all.the writer realized tha
this paper still imperfect in arrangment and the content. then the writer hope the criticism
from the readers can help the writer in perfecting the next paper last but not the least
Hopefully, this paper can helps the readers to gain more knowledge about banking accounting
article.
Wassalamualaikum, Wr. Wb
Bandar Lampung, Desember 21th, 2016
author
CHAPTER I
PRELIMINARY
1.1 Background
SKNBI or LLG is a process of the transfer of our bankaccount into other bank account
through the mechanism of clearing. The process of clearing is the bank mechanism of
clearing. The process of clearing is the bank measure to check whether the balance whice
about to transfer was quite or not. The lack or this process takes the long time to get in the
purpose account. That is approximately 2 until 3 days. On the other hand, the lack is the
process of LLG must be adapted to the schendule of clearingbank itself. The advantage is the
costs are cheaper. The second of process is Real Time Gross Settlement ( RTGS ) whiche the
money of our account willbe moved or transfered to the process accountat the time ( real
time). Real time that is not meant the same of hour and minute. Quick time so the advantages
of RTGS.
The first clearing process

The process of clearing when someone transfers between banks.
- Customers fill out a form with method of clearing funds transfers at the bank where
he has a bank account, for example A. In the form, also included other banks targeted
include the account number and the name of the owner, for example bank B.
- Then bank A proceses the administrative data reduce thebalance of the sender account
and propose the demand for clearing to the bank B at bank Indonesia as the central
bank as clearing controller
- After that bank Indonesia processes. The data and command bank B add the balance
to the purpose account number.
- The customer account balance of the purpose at bank B will increase
The clearing process when the person cashing a check.
- The customer carry a check and fill in the formthe cash a check at the bank A ,
whereas the check published by bank B.
- The bank will process and do the clearing through that check . check and the other
administrative proof will proposed to bank Indonesia.
- Bank indonesia will check the document and continue the clearing for bank of check
publisher ( bank B )
- The publisher check of bank gives the agreement and validity that the check legal and
there is the fund
1.2 Problem Formulation.
BI guarantee inter-bank transfer via clearing did not take long
POSITIVE
- Interbank transfers with a value of USD 100 million and down should use SKNBI or
clearing, customers do not need to worry with clearing bank transfer takes a long
time.
- Currently, the clearing is done at 10.00, 12.00, 14.00, and 16.00. "No later than two
hours were up,"
- In addition to clearing, with a nominal interbank transfers under $ 100 million could
actually be real time also with interbank clearing, but not through BI. Quick time so
the advantages of RTGS.
- During this time, sending money with the clearing system could take two to three
business days. But Peter made sure, with this SKNBI money can be received on the
same day. His profit lower cost.
NEGATIVE
- A policy of limiting customer value interbank transfers by Bank Indonesia-Real Time
Gross Settlement (RTGS) of at least Rp 100 million per December 15, 2014.
- This arrangement makes the banks still wondering. Because, if the transfer of funds in
small amounts should use the National Clearing System of Bank Indonesia (SKNBI),
banks fear 'sprayed' customers. You see, sending money with the clearing system
requires at least two working days until the next day so new.
- The drawback of this process takes a longer time to reach the destination account,
which is about 2-3 business days. Besides the weakness is LLG process must be
scheduled to suit the clearing bank itself.
COMMENT
First people reasoned choose RTGS As long clearing, these rules make the banks still
wondering. Because, if the transfer of funds in small amounts should use the National
Clearing System of Bank Indonesia (SKNBI), banks fear 'sprayed' customers. You see,
sending money with the clearing system requires at least two working days until the next day
so new. "The impact if the system was put in place so customers are certainly many who
complain because they want it fast. Moreover, if there is an urgent need.
Currently, the clearing is done at 10.00, 12.00, 14.00, and 16.00. "No later than two hours
were up,"
CHAPTER III
FINAL
CONCLUSSION
So no need to worry about clearing so slow, because it was different from the previous
clearing is only carried out morning and afternoon. Plus, SKNBI transactions cost less.
This time, clearing is done at 10.00, 12.00, 14.00, and 16.00. "No later than two hours were
up”.
REFERENCES
http://bisniskeuangan.kompas.com/read/2014/12/13/142600326/BI.Jamin.Transfer.Antarbank
.Kini.Tak.Makan.Waktu.Lama

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TUGAS ARTIKEL

SEKOLAH TINGGI KEGURUAN DAN ILMU PENDIDIKAN

PERSATUAN GURU REPUBLIK INDONESIA

Bandar Lampung, Desember 21th, 2016

The first clearing process

The clearing process when the person cashing a check.

1.2 Problem Formulation.

BI guarantee inter-bank transfer via clearing did not take long

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