introduction to banking course 3
TRANSCRIPT
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INTRODUCTION TO BANKING
Course 3 Yudy Yunardy S.E., M.M.
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WHO AM I ?
Fifteen years of Banking experience, six years’ experience in Trade Finance Operations background with Unsecured Loan experience, equipped with another seven years’ experience in Management Information Analyst and Dashboard Reporting. Vastly experienced in Bank Indonesia reporting (LBU, SID, LBBU, BMPK etc.)
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EMPLOYMENT SUMMARY
2014 Present Indonesia Banking School
2013 2014 Deutschebank AG
2011 2012 Misys Plc
2010 2011 DBS Indonesia
2010 2010 ANZ Bank
2005 2010 RBS Bank
2004 2005 Vendor at Bank Mandiri, BCA and Circle K
1999 2004 HSBC Bank
1998 1999 MetLife Insurance
1997 1998 Demographic Institution FEUI
1996 1997 Private Investment Manager
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RULES
1. Disable your comm. device
2. Presence 80% minimum
3. Time alloc. 08.00 – 10.30
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TEXTBOOK
Siamat, Dahlan (2005), Bank dan Lembaga Keuangan
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GRADING EVALUATION
1. Quiz / exercise 25%
2. Assignments 15%
3. Midterm 25%
4. Final 35%
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PREVIOUSLY…
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PEMBAGIAN KELOMPOK
Kelompok 1 Kelompok 2 Kelompok 3 Kelompok 4
Raditya Dimas W Nada Tabira I Birrulloh Alyatunisa A Aileen Griselda
Fahmi Emir Gabriel Findya Mutiara B Devi Aryanti S
Safira K
Kelompok 5 Kelompok 6 Kelompok 7 Kelompok 8
Maksum Habibie Anjani Mutter Ines Maudy K A A A N Intan S
Catherine Christiya V Dalvian A Mawaddah F Maikel Budiman T
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TUGAS PRESENTASI KELOMPOK
1. Buatlah produk tabungan dg fitur-fitur yg menarik masyarakat untuk menempatkan dananya di bank anda (selain fitur bunga tinggi)
2. Buatlah produk giro dg fitur-fitur yg menarik masyarakat untuk menempatkan dananya di bank anda (selain fitur bunga tinggi)
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TUGAS PRESENTASI KELOMPOK
3. Buatlah produk deposito dg fitur-fitur yg menarik masyarakat untuk menempatkan dananya di bank anda (selain fitur bunga tinggi)
4. Bank apakah yang memiliki dana giro dan tabungan tertinggi di Indonesia th2014 (sesuai laporan keuangan Des 2014 pd ojk.go.id) dan apakah kiat suksesnya?
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PENGERTIAN DAN BATASAN KREDIT
Section 1
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ASAL KATA KREDIT
berasal dari bahasa latin “credo” yang berarti kepercayaan untuk menaruh
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PENGERTIAN KREDIT
kemampuan untuk melaksanakan suatu pembelian atau mengadakan suatu pinjaman dengan suatu janji, pembayaran akan dilaksanakan pada jangka waktu yang telah disepakati
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UU NO 10 TH 1998
penyediaan uang atau tagihan yang dapat dipersamakan dengan itu, berdasarkan persetujuan atau kesepakatan pinjam -meminjam antara bank dengan pihak lain yang mewajibkan pihak peminjam untuk melunasi utangnya setelah jangka waktu tertentu dengan pemberian bunga
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UNSUR-UNSUR KREDIT
1. Terdapat dua pihak, kreditur dan debitur
2. Kepercayaan3. Kesepakatan4. Penyerahan barang, jasa
atau uang
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UNSUR-UNSUR KREDIT
5. Jangka Waktu
6. Risiko
a)Kesengajaan
b)Ketidaksengajaan
7.Kompensasi bunga
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JENIS-JENIS KREDIT Section 2
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DARI SEGI PENGGUNAAN
1. Kredit Investasi
2. Kredit Modal Kerja
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DARI SEGI TUJUAN
1. Kredit Produktif
2. Kredit Konsumtif
3. Kredit Perdagangan
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DARI SEGI JANGKA WAKTU
1. Kredit Jangka Pendek
2. Kredit Jangka Menengah
3. Kredit Jangka Panjang
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DARI SEGI JAMINAN
1. Kredit dengan jaminan
2. Kredit tanpa jaminan
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DARI SISI SUMBER DANA
1. Dana bank sendiri
2. Bersama bank lain
3. Dana luar negeri
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DANA BERSAMA BANK LAIN
1. Sindikasi
2. Konsorsium
3. Joint financing
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DANA BERSAMA BANK LAIN
Sindikasi / Joint financing Konsorsium
Analisa kredit Peserta Bank induk
Kontrak kredit Semua peserta Bank induk
Suku bunga Semua peserta Bank induk
Hubungan dg debitur Diwakili agen Bank induk
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DANA LUAR NEGERI
1. Two step loan
2. Buyer’s credit
3. Onshore loan
4. Offshore loan
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TAHAPAN PEMBERIAN KREDIT Section 3
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PROSES PEMBERIAN KREDIT
1. Persiapan kredit2. Analisa kredit3. Keputusan kredit4. Pelaksanaan dan
administrasi5. Supervisi dan pembinaan
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PERSIAPAN KREDIT
1. Konsultasi
2. Wawancara
3. Survey lapangan
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ANALISA KREDIT - PRINSIP KREDIT 4P
1.Personality
2.Purpose
3.Payment
4.Prospect
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ANALISA KREDIT - PRINSIP KREDIT 6C
1. Character2. Capacity3. Capital4. Collateral5. Condition of economic6. Constraint
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ASPEK-ASPEK ANALISA KREDIT Section 4
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ANALISA KREDIT - PRINSIP KREDIT 6A
1. Aspek yuridisa) Badan usahab) Izinc) Perjanjian
2. Aspek pasar dan pemasaran3. Aspek teknis4. Aspek manajemen
a) Struktur organisasib) Sistem dan prosedur
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ANALISA KREDIT - PRINSIP KREDIT 6A
5. Aspek keuangan
a) Liquidity ratio
b) Leverage ratio
c) Activity ratio
d) Profitability ratio
6. Aspek sosial ekonomis
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FINANCIAL RATIOS
1. Liquidity ratioa) Current ratio = CA/CL
b) Cash ratio = 𝐶𝑎𝑠ℎ+𝑀𝑎𝑟𝑘𝑒𝑡𝑎𝑏𝑙𝑒 𝑠𝑒𝑐𝑢𝑟𝑖𝑡𝑖𝑒𝑠
𝐶𝑢𝑟𝑟𝑒𝑛𝑡 𝐿𝑖𝑎𝑏𝑖𝑙𝑖𝑡𝑖𝑒𝑠2. Leverage ratio
a) Debt ratio = Total debt/TA
b) Debt to equity ratio =
𝐿𝑜𝑛𝑔 𝑡𝑒𝑟𝑚 𝑑𝑒𝑏𝑡 + 𝑉𝑎𝑙𝑢𝑒 𝑜𝑓 𝑙𝑒𝑎𝑠𝑒𝑠
𝐴𝑣𝑒𝑟𝑎𝑔𝑒 𝑠ℎ𝑎𝑟𝑒ℎ𝑜𝑙𝑑𝑒𝑟𝑠′𝑒𝑞𝑢𝑖𝑡𝑦
a) Times interest earned =
𝐸𝐵𝐼𝑇 (𝑁𝑒𝑡 𝑖𝑛𝑐𝑜𝑚𝑒)
𝐴𝑛𝑛𝑢𝑎𝑙 𝑖𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑒𝑥𝑝𝑒𝑛𝑠𝑒
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FINANCIAL RATIOS
3. Activity ratio
a) Inventory TO = 𝐶𝑂𝐺𝑆
𝐴𝑣𝑔 𝑖𝑛𝑣𝑒𝑛𝑡𝑜𝑟𝑦or
𝑆𝑎𝑙𝑒𝑠
𝐼𝑛𝑣𝑒𝑛𝑡𝑜𝑟𝑦
b) Receivable TO = 𝑁𝑒𝑡 𝑐𝑟𝑒𝑑𝑖𝑡 𝑠𝑎𝑙𝑒𝑠
𝐴𝑣𝑔 𝑛𝑒𝑡 𝑟𝑒𝑐𝑣
c) Total Asset TO = 𝑁𝑒𝑡 𝑠𝑎𝑙𝑒𝑠
𝑇𝐴
d) WC TO = 𝑆𝑎𝑙𝑒𝑠
(𝐶𝐴−𝐶𝐿)
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FINANCIAL RATIOS
4. Profitability ratio
a) Profit margin = 𝑁𝑒𝑡 𝐼𝑛𝑐𝑜𝑚𝑒
𝑁𝑒𝑡 𝑆𝑎𝑙𝑒𝑠
b) ROA = 𝑁𝑒𝑡 𝐼𝑛𝑐𝑜𝑚𝑒
𝑇𝐴
c) ROE = 𝑁𝑒𝑡 𝐼𝑛𝑐𝑜𝑚𝑒
𝐴𝑣𝑒𝑟𝑎𝑔𝑒 𝑠ℎ𝑎𝑟𝑒ℎ𝑜𝑙𝑑𝑒𝑟𝑠′𝑒𝑞𝑢𝑖𝑡𝑦
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FINANCIAL RATIOS
1. Current ratio, mengukur kemampuan perusahaan dalam membayar kewajiban jangka pendeknya dengan menggunakan aktiva lancar yang dimiliki
2. Cash ratio, mengukur kemampuan perusahaan dalam membayar kewajiban jangka pendek dengan kas yang tersedia dan yang disimpan di bank
3. Debt ratio, perbandingan antara hutang lancar dan hutang jangka panjang dan jumlah seluruh aktiva diketahui. Rasio ini menunjukkan berapa bagian dari keseluruhan aktiva yang dibelanjai oleh hutang
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FINANCIAL RATIOS
4. Debt to equity ratio, perbandingan antara hutang–hutang dan ekuitas dalam pendanaan perusahaan dan menunjukkan kemampuan modal sendiri, perusahaan untuk memenuhi seluruh kewajibannya
5. Times interest earned, mengukur kemampuan perusahaan untuk melunasi hutang-hutang nya
6. Inventory TO, mengukur seberapa cepat persediaan terjual dlm kurun waktu tertentu
7. Receivable TO, mengukur tingkat efektifitas perusahaan dalam penjualan kredit maupun penagihan piutang
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FINANCIAL RATIOS
8. TATO ratio, mengukur kemampuan perusahaan menggunakan aset nya untuk menghasilkan penjualan
9. Working capital turnover, mengukur efektifitas perusahaan menggunakan modal kerja untuk menghasilkan penjualan
10. Profit margin, mengukur tingkat keuntungan perusahaan terhadap penjualannya
11. ROA, mengukur tingkat keuntungan perusahaan terhadap total aset nya
12. ROE, mengukur tingkat keuntungan perusahaan terhadap ekuitas pemegang saham
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REKAPITULASI
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ASSIGNMENTS
Aktiva Pasiva
Cash 63,000 Current Liabilities 90,000
Receivables 45,000 Shareholders Equity 180,000
Inventory 47,250
Fixed Asset 114,750
Total Asset 270,000 Total Liability 270,000
Balance sheet PT KLM at 2000
Sales 480.000
Net sales 405.000
COGS 285.500
Gross profit 121.500
Operational cost 81.000
Net Income 40.500
Income statement PT KLM at 2000
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ASSIGNMENTS
1. Calculate current ratio
2. Calculate cash ratio
3. Calculcate Inventory TO
4. Calculcate TATO
5. Calculcate WCTO
6. Calculcate Profit Margin
7. Calculcate ROA
8. Calculcate ROE (Assuming only 1 shareholder)
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THANK YOU See you next week
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REFERENSI
1. Veithzal Rivai, Bank and Financial Institution Management (Jakarta : Rajawali Pers, 2007)
2. Astiko, Manajemen Perkreditan (Yogyakarta : andi Offset, 1996)
3. Thomas Suyatno, Dasar-dasar perkreditan (Jakarta, Gramedia, 1998)
4. Martono, Bank dan lembaga keuangan lain (Yogyakarta : Ekonisia, 2002)
5. H. Rachmat Firdaus dan Maya Ariyanti, Manajemen Perkreditan Bank Umum (Bandung : Alfabeta, 2009)