Rangkuman

Asset Liabilities
Cash Reserve Deposit

Loan / Kredit Securities
Securities Capital
Other Asset

Asset = Use of Find
Liabilities = Source of Find

Cash Reserve :
- Kas
- RK pada BI : minimal 8% dari deposit (legal reserve)

Loan / Kredit :
- Investasi
- Komersial

Cash inflow berada di sisi deposit
dana deposit disalurkan dalam bentuk kredit / loan

Deposit :
membayar interest :
- Saving deposit (tabungan) = Kas
- ATM --- transaksi ---- pos / auto debit

- Demand deposit ( giro ) = Cek ---- atas tunjuk ( tunai )
- Bilyet giro ---- atas nama ( rekening )
---- resource keuangan

- Time deposit ( deposit ) = COD ( certifikat of deposit ) = sertifikat
- DR = Reguler berjangka

Securities :
- Pinjaman holding
- Obligasi ( pasar modal )
- KLBI ( Kredit likuiditas BI )
- Bunga / interest

Capital :
- Saham
- Deviden
- Capital gain