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{"id":72,"date":"2013-12-11T10:22:06","date_gmt":"2013-12-11T10:22:06","guid":{"rendered":"http:\/\/eko.tj.nscpolteksby.ac.id\/?p=72"},"modified":"2023-10-12T17:30:52","modified_gmt":"2023-10-12T10:30:52","slug":"sistem-dan-prosedur-transfer","status":"publish","type":"post","link":"https:\/\/nscpolteksby.ac.id\/dosen\/eko-tjiptojuwono\/2013\/12\/11\/sistem-dan-prosedur-transfer\/","title":{"rendered":"Sistem dan Prosedur Transfer"},"content":{"rendered":"

Pengertian<\/strong><\/p>\n

Transfer adalah suatu kegiatan jasa bank untuk memindahkan sejumlah dana tertentu sesuai dengan perintah si pemberi amanat yang ditujukan untuk keuntungan seseorang yang ditunjuk sebagai penerima transfer.<\/p>\n

Kegiatan usaha pengiriman uang (KUPU) juga dikenal sebagai money remittance service. Merupakan kegiatan pengiriman uang, baik secara domestik maupun lintas batas (cross border). Transfer dilakukan oleh penyelenggara pengiriman uang untuk melaksanakan perintah tidak bersyarat dari pengirim kepada penyelenggara pengiriman uang untuk mengirim uang kepada penerima.<\/p>\n

Pada umumnya, jasa layanan pengiriman uang ini banyak digunakan oleh migrant workers. Dalam hal ini digunakan sebagai sarana transfer dana dari Tenaga Kerja Indonesia (TKI) yang bekerja di luar negeri kepada keluarganya di Indonesia. Namun demikian, pengguna layanan jasa ini dapat juga dilakukan oleh selain TKI, seperti turis mancanegara, orang tua pelajar Indonesia di luar negeri, dan sebagainya.<\/p>\n

Berdasarkan UU Nomor 23 tahun 2011 tentang Transfer Dana, penyelenggara transfer dana (termasuk penyelenggara KUPU) wajib memperoleh izin dari Bank Indonesia. Sehingga apabila Anda memiliki keluarga yang bekerja di luar negeri dan mendapat kiriman uang atau Anda akan mengirimkan uang kepada keluarga yang sedang berada di luar negeri melalui penyelenggara KUPU, hendaknya menggunakan penyelenggara KUPU yang telah memperoleh izin dari Bank Indonesia.<\/p>\n

Materi kuliah pertemuan ke-7 dapat didownload di sini:<\/p>\n

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