Pelanggaran Etika Di Sekitar

Berikut ini adalah pelanggaran etika yang terjadi di lingkungan Sekitar saya, yang terjadi pada tanggal 1 Oktober 2014 hingga 5 Oktober 2014, yaitu:

  1. Pada tanggal 01 Oktober 2014, telah terjadi pelanggaran etika ketika saya sedang menunggu  angkutan umum,  dua orang supir angkutan umum berbicara dengan kalimat kalimat yang tidak sopan & kasar.  Jelas saja ini termasuk pelanggaran etika, karena kedua supir ini berbicara di depan umum dengan kata-kata yang tak layak didengar.
  2. Pada tanggal 02 Oktober 2014, telah terjadi pelanggaran etika ketika saya mengantarkan teman saya kerumah Neneknya, di perjalanan ada seorang anak SMP yang mengendarai motor secara ugal-ugalan. Disamping itu ia tidak mengenakan helm serta tidak mempedulikan lampu lalu lintas. Jelas ini termasuk pelanggaran Etika, karena ia dapat membahayakan dirinya dan orang lain serta ia tidak tertib lalu lintas.
  3. Pada tanggal 03 Oktober 2014, telah terjadi pelanggaran etika di lingkungan Kampus yaitu ketika saya sedang menunggu bimbingan perbaikan revisi,  seorang mahasiswa membuang plastik permen secara sembarangan. Kemudian pada hari yang sama, saya melihat seseorang membuang tissu yang habis dipakai diselipkan di ranting pohon. Kedua hal tersebut sangat tidak baik dan termasuk pelanggaran etika, karena di dekat mereka sudah disediakan tong sampah tetapi mereka tetap tidak peduli.
  4. Pada tanggal 04 Oktober 2014, telah terjadi pelanggaran etika di lingkungan rumah saya yaitu ketika seorang pengendara motor melewati gang rumah saya dengan dengan kecepatan tinggi dan suara knalpotnya membuat bising, padahal disana sedang ada para ibu yang sedang memberi makan anak-anaknya.  Ini termasuk pelanggaran etika, karena pengendara melaju kencang membuat para ibu & anak anak kaget, serta ia tidak meminta maaf akibat suara knalpotnya yang membuat bising.
  5. Pada tanggal 05 Oktober 2014, telah terjadi pelanggaran etika di depan Masjid  yang dilakukan oleh seorang ibu yang tidak mau mengantri untuk mengambil antrian daging kurban, padahal ibu tersebut baru datang dan langsung saja menerobos antrian.  Jelas ini melanggar etika, ibu tersebut tidak mau mengantri padahal semua orang yang mendapat kupon rela mengantri.

Wiris Eria R

28211069

4EB23

Talking about Myself

Hi, Thank you for the time allow me here to introduce myself. My complete name is Wiris Eria Rahmawati, but you can call me Wiris. I was born in Bekasi, 13th January 1993. It means that I’m 21 years old right now. I will tell you a little bit about my educational background, In 2005 I completed my elementary school in Elementary School Jaka Setia 6 Of Bekasi, then in 2008 I finished my junior high school in Junior High School 7 of Bekasi. In 2011, I passed my senior high School in Kapin Senior high school of Jakarta and I was admitted to University of Gunadarma, Faculty of Economic. In 2015 I graduated from University of Gunadarma.

My hobby is listening music. In my spare time, I spend to learn two languages, they are Korean and Japanese, because I have a dream to continue my study in korea or japan. I learn English too, well I think english is very necessary. It’s not only an international language but also a language of science and technology.

I’m looking for a job, and I know this job vacancy from the advertisement in internet.  So, I would like to work in an environment which is continuously evolving, where I can learn more in order to improve my technical skills. Therefore, I feel this company is more suitable for me to apply my skills towards reaching the companies goal & also to improve my economic status too.

I have good attitude, kind, communicative, tolerant, discipline, honest, and be responsible. And I believe that with my positive attitude I can give a full commitment to my job. That’s all about me and I would say thank to your attention, nice to see you

 

 

CURRICULUM VITAE

Personal information

 

Name                          : Wiris Eria Rahmawati

Gender                       : Female

Place, Date of Birth    : Bekasi, 13th January 1993

Marital Status             : Single

Nationality                  : Indonesian

Religion                      : Moslem

Address                      : Betet Street D11 , South Bekasi

Phone                         : 081301090393

Email                          : Ewiris@ymail.com

 

Educational Background

 

1998 – 1999                : Wira Bhakti Pre Elementary School, Bekasi

1999 – 2005                : Elementary School Jaka Setia 6 of Bekasi

2005 – 2008                : Junior High School 7 of Bekasi

2008 – 2011                : Kapin Senior High School of Jakarta

2011 – 2015                : University of Gunadarma, Faculty of Economic: Accounting, Bekasi

 

Courses and Training

 

2007 – 2008                : Nurul Fikri, Bekasi

 

Qualifications

Accounting & Administration Skills (Journal Printing & Calculation, Ledger, Petty Cash Payroll & Calculation, Inventory Controls, Project Data Updating, Teller, Salary Calculation).

Computer Skills (MS Word, MS Excel, MS Power Point, MS Access, MS Outlook, Web Design, Programming, Internet Marketing, Corel Draw, Adobe Photoshop )

 

Personality

I have good attitude, kind, communicative, tolerant, discipline, honest, and be responsible. And I believe that with my positive attitude I can give a full commitment to my job.

 

 

INQUIRY LETTER AND REPLY OF INQUIRY LETTER

INQUIRY LETTER

SHANAARO OKASHO

23 – 25 Sisho Street

Konohagakure, Japan 2723

Ref      : UK / HS /  1C

23rd  March, 2013

 

Mr. Uchiha Sasuke

General Manager

Kirin Nagashi

7 – 9 Hebi Street

Otogakure, Japan  2327

 

 

Dear Mr. Sasuke,

Our company is a company that specializes in selling various kitchen set, we also accept orders for various types of kitchen set from our customer. Our efforts established  since 13th January 2012, This kitchen Set companies we named  “Shanaaro Okasho” located in Konohagakure, Japan.  

For our efforts to be known development consumers , we ask you to introduce our business to consumers . As for the things we want to ask the following :

1 . Promotion what is in accordance with our product ?

2 . When is the appropriate time ?

3 . Whatever media that allows for the sale?

4 . Equipment needed for promotion ?

5 . Total cost spent for the promotion ?

 

We hope to receive your reply soon  and answer any question about our product and company profile. Thank you

 

 

Yours Sincerely,

 

 

Haruno Sakura

Manager Marketing

 

 

 

REPLY OF INQUIRY LETTER

KIRIN NAGASHI

7 – 9 Hebi Street

Otogakure, Japan 2327

 

Mrs. Haruno Sakura

Manager Marketing

Shanaaro Okasho

23 – 25 Sisho Street

Konohagakure, Japan 2723

 

 

Dear Mrs. Sakura,

We thank you for your inquiry letter of 23rd March,  2013. As requested we will answer the questions you ask.

  1. Promotion is right for the product you make is to create ads on social media ,  on advertising in television and in magazines, distributing brochures to some strategic places such as offices and  housing .
  2. Appropriate time for promotion is every day more especially if in televisis more appropriate in a holiday promotion .
  3. Appropriate media to promote your product is to use social media and  in magazines.
  4. Brochures to be distributed in an office or housing.
  5. Total cost spent for the promotion :
  • The cost of printing brochures for                                          : $  100
  • The cost of advertising on social media ( toll fee ) to            : $    20
  • Wages ( divider brochure )                                                    : $    30

              The total cost of the promotion                                          : $  150

 

After reading your letter and  look information about your product, we are very interested  to cooperate with your company.  Thank You

 

 

Yours Sincerely,

 

 

 

Uchiha Sasuke

General Manager

ANALYSIS TENSES ( PART II )

Hong Kong’s Soaring Bank Exposure to China Sparks Credit Concerns

HONG KONG — In just a few years, Hong Kong banks have ramped up lending to China from near zero to $430 billion, fueling concerns about their credit exposure to the mainland at a time when sliding economic growth and defaults are making investors nervous.
      
Even a modest increase in non-performing loans would have a significant impact on Hong Kong bank profits, suggesting the sector will be a sensitive indicator of China’s debt markets in the year ahead.
         
A landmark domestic bond default earlier this month and headlines of bankruptcies – highlighted last week by Zhejiang Xingrun Real Estate Co – have underscored concerns that an unprecedented surge in company debt in China is now showing signs of unraveling.
      
“The quality of these loans extended by Hong Kong banks to Chinese companies has not been tested,” said Mirza Baig, head of foreign exchange and interest rate strategy at BNP Paribas in Singapore. “That is a concern in the backdrop of the rapid rise in exposure.”
      
Foreign bank claims on China hit $1 trillion last year, up from nearly zero 10 years ago, Bank of International Settlements data shows. The biggest portion of that is provided by Hong Kong, according to analyst estimates of the BIS data. The $430 billion in loans outstanding represents 165 percent of Hong Kong’s GDP, figures in Hong Kong Monetary Authority (HKMA) reports show.
          
Data from the HKMA, the city’s de-facto central bank, showed a similar astonishing rise. By the end of 2013, Hong Kong banks’ net claims on China as a percentage of their total loan book was nearing 40 percent, compared with zero in 2010.
          
The rival financial center of Singapore has ramped up its China loans as well, but its exposure is the equivalent of 15 percent of its GDP, figures from its monetary authority show.
          
Local banks in both these centers have taken over lending that foreign banks once dominated, drawn by cheap funding rates following the global financial crisis, a voracious appetite from Chinese borrowers and healthy growth in the world’s second-biggest economy.
          
“Hong Kong banks have pounced on arbitrage opportunities between on-and offshore renminbi funding rates,” said Cathy Holcombe, a strategist at Gavekal Dragonomics in Hong Kong.
          
Currency exposure
          
There is no breakdown of the type of loans behind the $430 billion figure, but Stephen Long, managing director of financial institutions at Moody’s Investor Services, said “a substantial part” is in lower-risk categories such as trade finance. This would include loans to Hong Kong blue-chip companies operating on the mainland or loans supported by guarantees from Chinese banks.
      
However, trade finance may also hide speculative flows that bet on a rise in the yuan – a popular trade encouraged by the currency’s 2.9 percent rise against the dollar last year. In this trade, investors and companies falsify trade receipts to convert foreign currency into yuan and avoid capital controls.
          
This year’s slide in the yuan may also pinch debtors’ ability to service their loans. The yuan has dropped nearly 3 percent, wiping out its 2013 gains, putting it on track for its worst March quarter since 1992.
          
“Most of these loans are not hedged completely on a currency basis even if they are collateralized and the currency volatility means some of these banks may be sitting on large currency losses,” said a trade banker at a large European bank. He declined to be identified because he was not authorized to speak openly to the media.
          
Stock and credit analysts also say a big chunk of the loans has ended up in China’s property and financial sectors, as well as industries with surplus production capacity, such as steel – all areas where regulators are trying to control lending.
          
To be sure, capital buffers at Hong Kong banks are much higher than minimum international standards and the central bank has not shown any alarm about the lending.
          
The HKMA said it has been “closely monitoring” the sector’s credit exposure and it expects banks “to maintain sufficiently robust system of controls to manage the specific risks that they are facing.”
          
Investors are showing more concern though. An index of financial stocks in the main Hong Kong bourse had fallen by more than 13 percent this year through to the end of last week. It perked up on Monday on hopes for government stimulus to support the Chinese economy.
          
Analysts said Bank of East Asia and Bank of China (Hong Kong) have the biggest exposure to China among the lenders based in the territory, at 46 percent and 27 percent of their loan books, respectively. The latter is also the clearing bank for all yuan-related transactions appointed by the China’s central bank. The banks did not return calls seeking comment.
          
Risks
          
Hong Kong’s non-performing loans (NPLs) ratio is currently a record low of 0.5 percent. But if it returned to the long-term average of 3.5 percent, it would cut nearly 20 percent off current expectations for local bank pretax profits for the financial year starting this April, Barclays Capital said.
         
Larger global banks in Hong Kong, such as Standard Chartered Bank and HSBC, are less at risk because of their big balance sheets.
          
Under a scenario where NPLs return to 3.5 percent, Bank of East Asia would take a 10 percent hit to its pretax profit, while Dah Sing Financial Group and Wing Hang Bank could lose nearly a sixth, Barclays says. Dah Sing and Wing Hang did not return calls seeking comment.
          
Sharnie Wong, a banking analyst at Barclays, said the two biggest risks to asset quality of Hong Kong banks are a sharp downturn in China’s economy and a rise in U.S. interest rates. The first factor could reduce the ability of borrowers to service their loans and the second point would raise bank funding costs, squeezing profit margins.
          
Although China’s official NPL ratio is 1.0 percent, bankers estimate the real figure is anywhere between 5 percent and 10 percent.
          
Wong and other analysts argue that interest rates, and with them NPLs, are set to rise as rates globally increase, partly in response to healthier U.S. and European economies.
          
That means Hong Kong banks will have to put more aside to offset debt risks and so readings on their NPLs and provisions against bad debt will provide a window on the state of China’s credit market.

Analysis Tenses

  1. defaults are making investors nervous (Present continous tense) = S + to be + Ving + O
  2. the sector will be a sensitive indicator of China’s debt markets (Future continous tense) = S + will + be + V1 + O
  3. China is now showing signs of unraveling (Present continous tense) = S + to be + Ving + O
  4. Foreign bank claims on China hit $1 trillion (Simple present tense = S + V1 + O
  5. their total loan book was nearing 40 percent (Past Continous tense) = S + was/were + Ving + O
  6. Singapore has ramped up its China loans as well (Present perfect tense) = S + Have/has + V3 + O
  7. Local banks in both these centers have taken over lending (Present perfect tense) = S + Have/has + V3 + O
  8. Hong Kong banks have pounced on arbitrage opportunities (Present perfect tense) = S + Have/has + V3 + O
  9. This would include loans to Hong Kong blue-chip companies operating (Simple past future tense) = S + would + V1
  10. The yuan has dropped nearly 3 percent (Present perfect tense) = S + Have/has + V3 + O
  11. he was not authorized to speak openly to the media. (Simple past tense) = S + was/were + V2 + O
  12. regulators are trying to control lending (Present continous tense) = S + to be + Ving + O
  13. the central bank has not shown any alarm (Present perfect tense) = S + Have/has + V3 + O
  14.  it has been “closely monitoring” the sector’s credit exposure (Present perfect continous tense) = S + Have/has + been + V3 + O
  15. they are facing.(Present continous tense) = S + to be + Ving + O
  16. Investors are showing more concern though (Present contionous tense) = S + to be + Ving + O
  17. An index of financial stocks in the main Hong Kong bourse had fallen by more than 13 percent (Present perfect tense) = S + Have/has + V3 + O
  18.  It would cut nearly 20 percent off current expectations (Simple past future tense) = S + would + V1 + O
  19. Bank of East Asia would take a 10 percent hit to its pretax profit (Simple past future tense)  = S + would + V1 + O
  20. their NPLs and provisions against bad debt will provide a window on the state of China’s credit market.(Simple future tense) = S + Will + V1 + O

 

source: http://www.voanews.com/content/reu-hong-kongs-soaring-bank-exposure-to-china-sparks-credit-concerns/1879381.html

Analisis tenses dalam Artikel Ekonomi

Higher premiums for banks with lower ratings: LPS

 

A differential premium system (DPS) imposed by deposit insurance corporations on banks and other financial institutions encourages beter risk management, and expert has claimed.

According to the deposit insurance corporation’s (LPS) executive chairman, Kartika “Tiko” Wirjoatdmodjo, the implementation of a DPS would eventually help ensure the stability of the country’s financial system.

“Banks that have a low rating on our soundness scale, due to their high risk of failure and poor management, will be charged higher premiums compared to those that score better ratings,” he said on Friday on the sidelines of the Third International Workshop on Intergrated Protection Scheme held by the agency in Nusa Dua, Bali.

That will motivate them to improve their management systems and their ratings in order to avoid paying high premiums. It will benefit us as well because it will enhance our financial stability,” he added.

The LPS hopes to introduces a DPS this year to replace the current system that imposes an annual o.2 percent premium equally on all banks on their average thirdparty funds. Under the new system, the annual rate will be set at between 0.1 percent and 0.3 percent, depending on each bank’s rating.

It has prepared five rating levels, which are calculated using three indicators – a bank’s own financial ratios; a bank soundness assessment evaluated by the Financial Services Authority’s (OJK); and the bank’s compliance with LPS regulations.

The annual rate will stand at 0.1 percent for banks with a rating of 1, 0.15 percent for a 2 rating, 0.2 percent for a 3 rating, 0.25 percent for  a 4 rating, and 0.3 percent for a rating of 5. According to Tiko there are about 10 commercial lenders in the country that qualify for a 5 rating.

At the moment, the LPS only covers saving or deposits up to a maximum of Rp 2 billion (US$ 176,113) for each Indonesian Depositor. It requires banks to charge a maximum of 7.5 percent interest rate for deposits in rupiah, 1.5 percent for deposits in foreign currencies and 10 percent for deposits in rural banks (BPR).

Its insurance members comprise 109 commercial banks, 11 sharia banks and around 1,700 BPRs. The total of insured deposits in commercial and sharia banks amounted to Rp 2.11 quadrillion as of December 2013, equal to 147.63 million accounts. No data is currently available on the BPR’s deposits.

Meanwhile, Yee Ming Lee, the general manager for policy and International division at the Perbadanan  Insurans Deposit Malaysia (PDIM), which is Malaysia’s deposit insurance corporation, said that Malaysian lenders had been coming to the agency, looking for assistance to improve their risk management system.

The PDIM has set its annual premium rates from 0.05 percent to 0.4 Percent, established the deposit protection limit at 250,000 ringgits ($76,233) per depositor, and divides lenders into four rating levels.

Currently there are 27 commercial banks and 21 islamic banks operating in the country. Lee said that banks might need to invest more in information technology and internal control to assist them with improvments in their risk-management systems.

 

 

Formula Tenses:

1. Other financial institutions encourages beter risk management

    Simple present tense ( S + V1 (s/es) + O )

2. Expert has claimed

    Present perfect tense (S + Have /Has + V3 +O +Adv. Of time)

3. The implementation of a DPS would eventually help ensure the stability of the country’s financial

    system

    Simple present tense ( S + V1 + O)

4. He said on Friday on the sidelines of the Third International

    Simple Past Tense ( S + V2 + O+Adv. Of time)

5. That will motivate them to improve their management systems

    Simple future ( S + Will + V1 + O)

6. It will benefit us as well

    Simple future ( S + Will + V1 + O)

7. It will enhance our financial stability

    Simple future ( S + Will + V1 + O)

8. he added

     Simple past tense ( S + V2 + O )

9.  The LPS hopes to introduces a DPS this year

     Simple present tense ( S + V1 (s/es) + O )

10. Current system that imposes an annual o.2 percent premium equally on all banks on their      

      average thirdparty funds.

      Simple present tense ( S + V1 (s/es) + O )

11. The annual rate will be set at between 0.1 percent and 0.3 percent

       Simple future ( S + Will + V1 + O)

12. It has prepared five rating levels

      Present perfect tense ( S + Have/has + V3 + O)

13. The annual rate will stand at 0.1 percent for banks

      Simple future ( S + Will + V1 + O)

14. It requires banks to charge a maximum of 7.5 percent interest rate for deposits in rupiah

       Simple present tense ( S + V1 (s/es) + O )

15. Its insurance members comprise 109 commercial banks

      Simple present tense ( S + V1 + O )

16. Which is Malaysia’s deposit insurance

      Simple present tense ( S + V1 + O )

17. Malaysian lenders had been coming to the agency

      Past perfect continous tense ( S + Had+ been + Ving + O)

18. The PDIM has set its annual premium rates from 0.05 percent to 0.4 Percent

       Present perfect tense ( S + Have / has + V3 + O)

19. Currently there are 27 commercial banks and 21 islamic banks operating in the country

       Simple present continous  tense ( S + To be  (Is/am/are) + Ving + O )

20. Lee said that banks might need to invest more in information technology

      Simple Past Tense ( S + V2 + O+Adv. Of time)

Source: Jakarta Post Newspaper, edition Saturday March 15, 2014

 

 

KARTU PLASTIK

BAB I

PENDAHULUAN

1.1  Latar Belakang

Penggunaan uang sebagai alat untuk melakukan pembayaran sudah dikenal luas dan penggunaan uang sebagai  sarana pembayaran sudah merupakan kebutuhan pokok hamper disetiap kegiatan masyarakat. Namun, dalam perjalanannya penggunaan uang mengalami berbagai hambatan tertentu. Jika penggunaan dalam jumlah besar hambatannya adalah risiko membawa uang tunai sangat besar. Risiko yang timbul dan harus dihadapi adalah seperti risiko kehilangan, pemalsuan, atau terkena perampokan. Akibatnya kegiatan penggunaan uang tunai sebagai alat pembayaran mulai berkurang penggunaannya.

Kartu plastik atau yang lebih dikenal dengan nama kartu kredit atau uang plastic mampu menggantikan fungsi uang sebagai alat pembayaran. Disamping itu, kartu plastic ini dapat pula digunakan untuk berbagai  keperluan sehingga kegunaannya menjadi multifungsi. Risiko seperti diatas sedikit banyak dapat dieliminasi dengan penggunaan kartu plastic ini.

1.2  Rumusan Masalah

  • Apa yang dimaksud dengan kartu plastic ( Kartu kredit )?
  • Siapa saja pihak yang terlibat dalam system kerja kartu kredit?
  • Jenis jenis kartu kredit?
  • Keuntungan dan kerugian kartu kredit?

1.3  Tujuan Penulisan

Tujuan penulisan dan penyusunan karya ilmiah ini adalah untuk menyelesaikan tugas dari Mata kuliah Bahasa Indonesia 2# (Softskill ). Tujuan lain dari  penyusunan Karya ilmiah ini adalah untuk menambah wawasan bagi para pembaca mengenai kartu plastik

 

BAB II

PEMBAHASAN

2.1 Pengertian Kartu Kredit

Kartu plastik merupakan kartu yang dikeluarkan oleh bank atau lembaga non bank. Kartu plastic diberikan kepada nasabah utuk dapat dipergunakan sebagai alat pembayaran di berbagai tempat seperti super market, pasar swalayan, hotel, restoran, tempat hiburan, dan tempat tempat lainnya. Disamping itu, dengan kartu ini juga dapat diuangkan diberbagai tempat seperti di ATM (Automated Tellers Machine). ATM biasanya tersebar diberbagai tempat yang strategis seperti di pusat perbelanjaan, hiburan, dan perkantoran.

Penggunaan kartu plastic di Indonesia masih relative baru, yaitu sekitar tahun delapan puluhan. Keluarnya keputusan Menteri Keuangan Nomor 1251/KMK.013/1988 tanggal 20 Desember telah mengubah peta penyebaran kartu plastic semakin luas. Berdasarkan surat keputusan tersebut bisnis kartu plastic digolongkan sebagai kelompok usaha jasa pembiayaan.

2.2 Pihak – pihak yang terlibat dalam system kerja kartu kredit

Transaksi yang dilakukan dengan menggunakan kartu plastic melibatkan berbagai pihak yang saling berkepentingan. Masing-masing pihak satu sama lain terikat perjanjian baik mengenai hak maupun kewajibannya. Pihak pihak yang terlibat ini pada akhirnya akan membentuk suatu system kerja kartu kredit itu sendiri. Dalam system kerja credit card ada tiga pihak yang terlibat, yaitu:

  1. Bank atau perusahaan pembiayaan baik sebagai penerbit dan pembayar
  2. Pedagang (Merchant), sebagai tempat belanja seperti, hotel, supermarket, pasar swalayan, tempat-tempat hiburan, restoran, dan tempat tempat lainnya dimana bank mengikat perjanjian
  3. Pemegang kartu (Card holder), adalah nasabah yang namanya tertera dalam kartu tersebut dan yang berhak menggunakannya untuk berbagai keperluan transaksi.

2.3 Jenis jenis kartu kredit

Jenis – jenis kartu kredit yang ada saat ini dilihat dari berbagai sisi berikut ini:

Berdasarkan Fungsinya

a.  Credit Card yaitu kartu yang dapat digunakan sebagai alat pembayaran transaksi jual-beli barang dan jasa, kemudian pelunasan atas penggunaannya dapat dilakukan sekaligus atau secara angsuran sejumlah minimum tertentu.

b. Charge Card yaitu kartu yang dapat digunakan sebagai alat pembayaran suatu transaksi barang dan jasa, kemudian pemegang kartu diwajibkan membayar kembali secara penuh tagihannya pada akhir bulan atau bulan berikutnya dengan atau tanpa beban tambahan.

c. Debet Card yaitu kartu yang dapat digunakan sebagai perintah bayar atau pendebetan terhadap rekening pemegang.

d. Cash Card (kartu ATM) yaitu  kartu yang dapat digunakan untuk penarikan tunai baik di counter-counter  bank maupun pada anjungan ATM.

e. Check Guarantee Card yaitu kart yang dapat digunakan sebagai jaminan dalam penarikan cek oleh pemegang kartu tersebut.

 

Berdasarkan  Wilayah Berlakunya

a. Kartu Plastik Lokal yaitu kartu plastik yang berlaku pada wilayah tertentu misalnya seluruh Indonesia. Contoh: Kartu ATM Bank Muamalat Indonesia.

b. Kartu Plastik Internasional yaitu kartu plastik yang berlaku dan dapat digunakan di seluruh dunia. Contoh: Visa, American Express, carte balanc, Master Card, Dinner Club.

 

2.4 Keuntungan dan kerugian Kartu Kredit

2.4.1 Keuntungan

a. keuntungan bagi bank atau lembaga pembiayaan

* Iuran tahunan yang dikenakan kepada setiap pemegang kartu.

* Bunga yang dikenakan pada saat berbelanja

* Biaya administrasi yaitu biaya yang dibebankan kepada setiap pemegang kartu yang akan menarik uang tunai di ATM

* Biaya denda terhadap keterlambatan pembayaran di samping bunga

 

b. Keuntungan bagi pemegang kartu

* Kemudahan berbelanja dengan cara kredit, jadi nasabah tidak perlu membawa uang tunai untuk melakukan transaksi

* Kemudahan memperoleh uang tunai selama 24 jam dan 7 hari dalam seminggu di berbagai tempat-tempat strategis sehingga memudahkan untuk memenuhi keperluan uang tunai yang mendadak

* Bagi sebagian kalangan memegang kartu kredit memberikan kesan bonafiditas sehingga memberikan kebanggan tersendiri.

 

c. Keuntungan bagi pedagang (Merchant)

* Dapat meningkatkan omzet penjualan

* Sebagai bentuk pelayanan yang diberikan kepada para pelanggannya

2.4.2        Kerugian

  • Kerugian bagi bank dan lembaga pembiayaan

Jika terjadi kemacetan pembayaran oleh nasabah yang berbelanja atau mengambil uang tunai sulit untuk ditagih mengingat persetujuan penerbitan kartu kredit biasanya tanpa jaminan benda benda berharga sebagaiman layaknya kredit. Bahkan jaminan hanya dengan jaminan bukti penghasilan saja sudah cukup untuk memperoleh kartu kredit.

  • Kerugian bagi nasabah

Biasanya nasabah agak boros dalam berbelanja, hal ini karena nasabah merasa tidak mengeluarkan uang tunai untuk belanja sehingga kadang-kadang ada hal-hal yang sebetulnya tidak perlu, dibelikan juga. Kemudian kerugian nasabah disebabkan karena sebagian merchant membebankan biaya tambahan untuk setiap kali melakukan transaksi. Kerugian lainnya adalah adanya limit yang diberikan kadang terlalu kecil.

 

BAB III

PENUTUP

3.1 Kesimpulan

 

            Kartu plastic merupakan kartu yang dikeluarkan oleh bank atau lembaga non bank. Kartu plastic diberikan kepada nasabah utuk dapat dipergunakan sebagai alat pembayaran di berbagai tempat seperti super market, pasar swalayan, hotel, restoran, tempat hiburan, dan tempat tempat lainnya. Disamping itu, dengan kartu ini juga dapat diuangkan diberbagai tempat seperti di ATM (Automated Tellers Machine).

Dalam system kerja credit card ada tiga pihak yang terlibat, yaitu:

  1. Bank atau perusahaan pembiayaan baik sebagai penerbit dan pembayar
  2. Pedagang (Merchant), sebagai tempat belanja seperti, hotel, supermarket, pasar swalayan, tempat-tempat hiburan, restoran, dan tempat tempat lainnya dimana bank mengikat perjanjian
  3. Pemegang kartu (Card holder), adalah nasabah yang namanya tertera dalam kartu tersebut dan yang berhak menggunakannya untuk berbagai keperluan transaksi.

Jenis jenis kartu kredit:

Berdasarkan Fungsinya

1.  Credit Card

2. Charge Card 

4. Cash Card (kartu ATM) 

5. Check Guarantee Card 

 Berdasarkan  Wilayah Berlakunya

1. Kartu Plastik Lokal 

2. Kartu Plastik Internasional 

 

 

 

Daftar Pustaka

Kasmir. 2011. Bank dan Lembaga Keuangan lainnya edisi Revisi. Jakarta: PT. Rajagrafindo Persada.

http://ekonomi.andaikata.com/2013/03/pengertian-dan-jenis-kartu-plastik.html

 

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