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{"id":78,"date":"2013-12-11T10:36:29","date_gmt":"2013-12-11T10:36:29","guid":{"rendered":"http:\/\/eko.tj.nscpolteksby.ac.id\/?p=78"},"modified":"2023-10-12T17:37:22","modified_gmt":"2023-10-12T10:37:22","slug":"traveller-cheque-dan-credit-card","status":"publish","type":"post","link":"https:\/\/nscpolteksby.ac.id\/dosen\/eko-tjiptojuwono\/2013\/12\/11\/traveller-cheque-dan-credit-card\/","title":{"rendered":"Traveller Cheque dan Credit Card"},"content":{"rendered":"Travellers cheque adalah cek yang ditarik atau diterbitkan oleh sebuah bank yang bertaraf nasional maupun internasional atas salah satu kantor cabangnya atau salah satu bank korespondennya yang berfungsi sebagai pengganti uang tunai untuk dibawa dalam perjalanan.<\/p>\n
Manfaat Traveller Cheque (TC):<\/p>\n
1.Bagi penerbit
a.Memperoleh dana mengendap tanpa bunga yaitu sejak menerima pembayaran dari agen penjual sampai dengan ditagih oleh bank penagih
2.Bagi Agen Penjual :
a.pertama, memperoleh dana mengendap sejak menerima pembayaran dari pembeli hingga melakukan pembayaran kepada penerbit, karena pembayaran dilakukan secara periodik sesuai perjanjian yang telah disepakati;
b.kedua, menerima komisi dari penerbit atas sejumlah travellers cheque yang berhasil dijualnya;
c.ketiga, mendapatkan keuntungan dari selisih kurs atas transaksi penjualan travellers cheque yang dalam mata uang asing (US$) sedangkan pembeli melakukan pembayaran dengan menggunakan mata uang rupiah<\/p>\n
3.Bagi Pembeli\/pemegang
a.Praktis dibawa dalam perjalanan wisata
b.Dengan menggunakan non blank travellers cheque pembeli akan merasa aman karena apabila terjadi kehilangan maka travellers cheque tidak bisa digunakan oleh orang lain dan
c.Pembeli akan mendapat penggantian travellers cheque yang baru atas sejumlah non blank travellers chequenya yang hilang.
d.Bisa dipindahtangankan (blank TC)
4.Bagi Merchant
a.Lebih banyak pelanggan yang dapat dilayaninya apapun bentuk pembayarannya
b.Meningkatkan omzet penjualannya
5.Bagi Bank Pengumpul\/Penagih
a.Mendapatkan hasil administrasi atas biaya penagihan\/inkaso travellers cheque dari merchant,
b.Mendapatkan keuntungan dari selisih kurs<\/p>\n