{"id":107,"date":"2013-06-19T09:34:00","date_gmt":"2013-06-19T09:34:00","guid":{"rendered":""},"modified":"2017-05-01T07:15:37","modified_gmt":"2017-05-01T07:15:37","slug":"manajemen-perbankan-2","status":"publish","type":"post","link":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/","title":{"rendered":"MANAJEMEN PERBANKAN (2)"},"content":{"rendered":"<p>KEGIATAN PENGHIMPUNAN DANA<\/p>\n<p>kegiatan penghimpunan dana, merupakan salah satu fungsi utama bank umum devisa, maupun nondevisa. kegiatan melakukan penghimpunan dana disebut juga dengan funding. kegiatan funding ini dilakukan dengan membeli dana dari pihak ketiga melalui beberapa produk simpanan yang ditawarkan.<br \/>produk simpanan yang ditawarkan oleh bank umum antara lain:<br \/>1. Simpanan giro<br \/>&nbsp; &nbsp; disebut juga demand deposit, current account, checking account, merupakan simpanan yang dapat ditarik <br \/>&nbsp; &nbsp; setiap saat dengan menggunakan sarana berupa penarikan cek dan bilyet giro, serta sarana penarikan<br \/>&nbsp; &nbsp; lainnya yang dipersamakan dengan itu.<br \/>&nbsp; &nbsp; simpanan giro:<br \/>&nbsp; &nbsp; a. atas nama perorangan<br \/>&nbsp; &nbsp; b. atas nama badan usaha<br \/>&nbsp; &nbsp; c. imbalan berupa jasa giro<br \/>&nbsp; &nbsp; d. sarana penarikan berupa cek dan bilyet giro<br \/>&nbsp; &nbsp; e. dapat ditarik dan\/atau dipindahbukukan dari bank lain : kliring, inkaso, intecity kliring, transfer<br \/>&nbsp; &nbsp; f. bisa dalam bentuk rupiah, maupun valuta asing.<br \/>&nbsp; &nbsp;g. bank pemerintah<br \/>&nbsp; &nbsp;h. bank asing<br \/>&nbsp; &nbsp;i. bank campuran<br \/>&nbsp; &nbsp;j. bank swasta nasional<\/p>\n<p>2. Tabungan (saving deposit)<br \/>&nbsp; &nbsp; tabungan merupakan simpanan dana pihak ketiga yang dapat ditarik sesuai dengan perjanjian antara bank <br \/>&nbsp; &nbsp; dan nasabah pemegang rekening tabungan. tabungan meskipun merupakan dana simpanan yang dapat<br \/>&nbsp; &nbsp; ditarik setiap saat, akan tetapi pengendapannya relatif lebih stabil dibanding dana yang berasal dari giro,<br \/>&nbsp; &nbsp; karena rekening giro dapat ditarik dan\/atau dipindahbukukan dari bank lain.<\/p>\n<p>3. Deposito<br \/>&nbsp; &nbsp; deposito merupakan jenis simpanan yang penarikannya sesuai dengan jangka waktu yang telah<br \/>&nbsp; &nbsp;diperjanjikan antara bank dan nasabah. jenis simpanan ini merupakan simpan yang terdapat jangka waktu<br \/>&nbsp; &nbsp;dalam penarikannya, sehingga dapat dikatakan sebagai dana semi stabil. simpanan deposito akan<br \/>&nbsp; &nbsp;mengendap di bank selama jangka waktu tertentu sesuai dengan perjanjian antara bank dan pemilik<br \/>&nbsp; &nbsp;deposito. pemilik deposito hanya menarik dananya apabila depositonya telah jatuh tempo. penarikan<br \/>&nbsp; &nbsp;deposito yang dilakukan sebelum jatuh tempo biasanya dikenakan biaya penalti yang dibebankan kepada <br \/>&nbsp; &nbsp;nasabah pemilik deposito.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>KEGIATAN PENGHIMPUNAN DANA kegiatan penghimpunan dana, merupakan salah satu fungsi utama bank umum devisa, maupun [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-107","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MANAJEMEN PERBANKAN (2) &#8211; Program Studi Diploma 3 Administrasi Bisnis NSC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MANAJEMEN PERBANKAN (2) &#8211; Program Studi Diploma 3 Administrasi Bisnis NSC\" \/>\n<meta property=\"og:description\" content=\"KEGIATAN PENGHIMPUNAN DANA kegiatan penghimpunan dana, merupakan salah satu fungsi utama bank umum devisa, maupun [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Program Studi Diploma 3 Administrasi Bisnis NSC\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/KuliahSambilKerjaadministrasibisnisSurabaya\" \/>\n<meta property=\"article:published_time\" content=\"2013-06-19T09:34:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-05-01T07:15:37+00:00\" \/>\n<meta name=\"author\" content=\"Eko Tjiptojuwono\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eko Tjiptojuwono\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/\"},\"author\":{\"name\":\"Eko Tjiptojuwono\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/person\/c63bfcfe45905537c56ddd5631a88d7f\"},\"headline\":\"MANAJEMEN PERBANKAN (2)\",\"datePublished\":\"2013-06-19T09:34:00+00:00\",\"dateModified\":\"2017-05-01T07:15:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/\"},\"wordCount\":330,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#organization\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/\",\"url\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/\",\"name\":\"MANAJEMEN PERBANKAN (2) &#8211; Program Studi Diploma 3 Administrasi Bisnis NSC\",\"isPartOf\":{\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#website\"},\"datePublished\":\"2013-06-19T09:34:00+00:00\",\"dateModified\":\"2017-05-01T07:15:37+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"MANAJEMEN PERBANKAN (2)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#website\",\"url\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/\",\"name\":\"Program Studi Diploma 3 Administrasi Bisnis NSC\",\"description\":\"Profesional di bidang Administrasi Bisnis\",\"publisher\":{\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#organization\",\"name\":\"Administrasi Bisnis NSC\",\"url\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i0.wp.com\/ab.nscpolteksby.ac.id\/wp-content\/uploads\/2021\/06\/AN-1.png?fit=1500%2C2000&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/ab.nscpolteksby.ac.id\/wp-content\/uploads\/2021\/06\/AN-1.png?fit=1500%2C2000&ssl=1\",\"width\":1500,\"height\":2000,\"caption\":\"Administrasi Bisnis NSC\"},\"image\":{\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/KuliahSambilKerjaadministrasibisnisSurabaya\",\"https:\/\/www.instagram.com\/administrasi_bisnis_nsc\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/person\/c63bfcfe45905537c56ddd5631a88d7f\",\"name\":\"Eko Tjiptojuwono\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/edf06c031c85f09592a85049127b97158f18094ef7ce44501f8f802776c81c8c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/edf06c031c85f09592a85049127b97158f18094ef7ce44501f8f802776c81c8c?s=96&d=mm&r=g\",\"caption\":\"Eko Tjiptojuwono\"},\"url\":\"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/author\/ekotj2009\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"MANAJEMEN PERBANKAN (2) &#8211; Program Studi Diploma 3 Administrasi Bisnis NSC","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/","og_locale":"en_US","og_type":"article","og_title":"MANAJEMEN PERBANKAN (2) &#8211; Program Studi Diploma 3 Administrasi Bisnis NSC","og_description":"KEGIATAN PENGHIMPUNAN DANA kegiatan penghimpunan dana, merupakan salah satu fungsi utama bank umum devisa, maupun [&hellip;]","og_url":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/","og_site_name":"Program Studi Diploma 3 Administrasi Bisnis NSC","article_publisher":"https:\/\/www.facebook.com\/KuliahSambilKerjaadministrasibisnisSurabaya","article_published_time":"2013-06-19T09:34:00+00:00","article_modified_time":"2017-05-01T07:15:37+00:00","author":"Eko Tjiptojuwono","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Eko Tjiptojuwono","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/#article","isPartOf":{"@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/"},"author":{"name":"Eko Tjiptojuwono","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/person\/c63bfcfe45905537c56ddd5631a88d7f"},"headline":"MANAJEMEN PERBANKAN (2)","datePublished":"2013-06-19T09:34:00+00:00","dateModified":"2017-05-01T07:15:37+00:00","mainEntityOfPage":{"@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/"},"wordCount":330,"commentCount":0,"publisher":{"@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#organization"},"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/","url":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/","name":"MANAJEMEN PERBANKAN (2) &#8211; Program Studi Diploma 3 Administrasi Bisnis NSC","isPartOf":{"@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#website"},"datePublished":"2013-06-19T09:34:00+00:00","dateModified":"2017-05-01T07:15:37+00:00","breadcrumb":{"@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/2013\/06\/19\/manajemen-perbankan-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/"},{"@type":"ListItem","position":2,"name":"MANAJEMEN PERBANKAN (2)"}]},{"@type":"WebSite","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#website","url":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/","name":"Program Studi Diploma 3 Administrasi Bisnis NSC","description":"Profesional di bidang Administrasi Bisnis","publisher":{"@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#organization","name":"Administrasi Bisnis NSC","url":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/ab.nscpolteksby.ac.id\/wp-content\/uploads\/2021\/06\/AN-1.png?fit=1500%2C2000&ssl=1","contentUrl":"https:\/\/i0.wp.com\/ab.nscpolteksby.ac.id\/wp-content\/uploads\/2021\/06\/AN-1.png?fit=1500%2C2000&ssl=1","width":1500,"height":2000,"caption":"Administrasi Bisnis NSC"},"image":{"@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/KuliahSambilKerjaadministrasibisnisSurabaya","https:\/\/www.instagram.com\/administrasi_bisnis_nsc\/"]},{"@type":"Person","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/person\/c63bfcfe45905537c56ddd5631a88d7f","name":"Eko Tjiptojuwono","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/edf06c031c85f09592a85049127b97158f18094ef7ce44501f8f802776c81c8c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/edf06c031c85f09592a85049127b97158f18094ef7ce44501f8f802776c81c8c?s=96&d=mm&r=g","caption":"Eko Tjiptojuwono"},"url":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/author\/ekotj2009\/"}]}},"_links":{"self":[{"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/posts\/107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/comments?post=107"}],"version-history":[{"count":1,"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/posts\/107\/revisions"}],"predecessor-version":[{"id":203,"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/posts\/107\/revisions\/203"}],"wp:attachment":[{"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/media?parent=107"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/categories?post=107"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nscpolteksby.ac.id\/administrasi-bisnis\/wp-json\/wp\/v2\/tags?post=107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}