Lembaga Keuangan

A lembaga keuangan refers to financial institutions that collect funds from the public and channel them towards development projects or economic activities. This includes banks, insurance companies, investment firms, and other similar organizations.

Saham is the correct answer because it refers to the ownership or shares of a person or entity (business) in a company or limited liability company. Saham represents the capital contribution made by individuals or entities in exchange for ownership rights and dividends in the company.

The correct answer is Koperasi. According to Article 33, paragraph 1 of the 1945 Constitution of Indonesia, the most suitable form of business entity for the Indonesian national character is a cooperative or "koperasi" in Indonesian. This indicates that the cooperative model aligns with the principles of collective cooperation and mutual assistance, which are important values in Indonesian society.

The correct answer is A. bank milik negara dan bank milik swasta. This answer is supported by the statement in the question that banks can be grouped based on their ownership. It mentions two types of ownership, which are bank milik negara (state-owned banks) and bank milik swasta (private-owned banks). Therefore, this answer accurately represents the different types of banks based on their ownership.

The correct answer is A. bank sentral. A central bank is responsible for implementing monetary policies, maintaining stability in the domestic currency value, ensuring stability in the banking sector, and overall economic stability of the country. It acts as the banker to the government, regulates the financial system, and manages the country's foreign exchange reserves.

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The correct answer is C because it aligns with the objective of Bank Indonesia, as stated in UU No. 3 tahun 2004, which is to achieve and maintain stability in the value of the rupiah against goods and services as well as against foreign currencies. This objective is important for the overall economic stability and competitiveness of the country.

Perusahaan keuangan adalah lembaga yang melaksanakan fungsi utama menyalurkan dana dari yang surplus/berlebih kepada mereka yang kekurangan dana.

Pegadaian is a financial institution that provides loans to customers with collateral in the form of goods or securities. This type of institution is commonly known as a pawnshop, where customers can borrow money by leaving their valuable items as collateral. The pawnshop then assesses the value of the items and provides a loan based on that value. If the customer is unable to repay the loan, the pawnshop has the right to sell the collateral to recover the loan amount.

The correct answer is A. pasar terbuka. The explanation for this is that the central bank engages in open market operations, which involve buying and selling securities to the public. This is done in order to regulate the flow of money and goods in the economy. By buying securities, the central bank injects money into the economy, while selling securities withdraws money from the economy. This helps in controlling inflation and stabilizing the economy. Therefore, the correct term for this practice is "pasar terbuka" or open market.

The correct answer is B. (ii) dan (iii) because the statement (ii) "Aktivitasnya lebih kearah investasi" indicates that the entity is engaged in investment activities, and the statement (iii) "Mayoritas pengeluaran untuk membayar pegawai" indicates that the entity's majority of expenses are for paying employees. These characteristics suggest that the entity belongs to the financial services industry.

The correct answer is C. Kebijakan diskonto. Kebijakan diskonto refers to the government policy through the central bank to raise and lower interest rates. Diskonto is the Indonesian term for discount rate, which is the interest rate that the central bank charges commercial banks for loans. By adjusting the discount rate, the central bank can influence the cost of borrowing and, therefore, the overall level of economic activity.

Bank Perkreditan Rakyat (BPR) adalah jenis bank yang memberikan pinjaman kepada masyarakat dan menghimpun dana dari masyarakat. Oleh karena itu, fungsi BPR termasuk dalam pilihan A yang menjawab bahwa fungsi Bank Perkreditan Rakyat adalah menghimpun dana dari masyarakat dan memberikan pinjaman kepada masyarakat.

Anjak Piutang is a term used to describe the process of taking over the credit payment of a company by purchasing the receivables from another company. It is a form of factoring where a company sells its accounts receivable to a third party at a discount in order to receive immediate cash. This allows the company to improve its cash flow and transfer the risk of collecting the payments to the third party. Therefore, option D is the correct answer.

The correct answer is A. pengaturan dan pengawasan mengenai kesehatan bank. OJK, or Otoritas Jasa Keuangan, is the financial services authority in Indonesia. As part of its responsibilities, OJK is tasked with regulating and supervising the health of banks in the country. This includes setting regulations and guidelines for banks to ensure their stability and soundness. OJK also conducts regular inspections and assessments to monitor the health of banks and take necessary actions to address any issues or risks that may arise.

The correct answer is B because it states that the Otoritas Jasa Keuangan (OJK) regulates and supervises financial services activities in the banking sector. This means that OJK is responsible for overseeing and ensuring the proper functioning of banks and their financial services.

An explanation for the correct answer, d. Perusahaan asuransi, is that insurance companies are financial institutions that protect individuals and companies (policy holders) from unfortunate events or incidents. They provide coverage and financial compensation in case of accidents, damages, or losses, helping policy holders mitigate the financial impact of such events. Therefore, insurance companies fulfill the role of safeguarding individuals and companies from bad events, making them the correct answer in this context.

PT go public refers to a company that offers its shares to the public through an initial public offering (IPO) and gets listed on the stock exchange. This means that the shares of the company can be freely bought and sold by the general public on the stock market.

Leasing adalah Lembaga Keuangan Bukan Bank (LKBB) yang bergerak di bidang pembiayaan barang-barang modal. Dalam leasing, pihak leasing membeli barang modal yang dibutuhkan oleh pelanggan dan menyewakannya kepada pelanggan dengan jangka waktu tertentu. Pelanggan akan membayar sejumlah uang sewa kepada pihak leasing selama periode sewa. Setelah periode sewa berakhir, pelanggan memiliki opsi untuk membeli barang modal tersebut dengan harga yang telah disepakati sebelumnya. Dengan demikian, leasing memungkinkan pelanggan untuk menggunakan barang modal tanpa harus membelinya secara langsung.

The correct answer is A. kegiatan jasa keuangan di sektor riil. According to UU No.21 tahun 2011, OJK is not responsible for activities related to financial services in the real sector.

The correct answer is D. Penilai. Penilai refers to the party responsible for evaluating the company's assets and being registered with the financial services authority (OJK).

The main principle of Non-Bank Financial Institutions is to mutually benefit each other. This means that the institution and its customers or clients should have a relationship where both parties gain advantages or benefits. The institution provides financial services or products, while the customers or clients contribute by utilizing these services or products and generating profits or returns. It emphasizes the importance of a symbiotic relationship between the institution and its customers, where both parties support and benefit from each other.

PT. Asuransi Jiwasraya is included in the financial services industry sector because it is an insurance company owned by the Indonesian government.

One of the policies that the government can implement to reduce inflation is by selling shares to the public. This can help to increase the money supply in the economy and reduce inflationary pressures. By selling shares, the government can raise funds which can be used to finance government spending and reduce the need for printing new money or borrowing. This can help to stabilize prices and reduce inflationary pressures in the economy.

The activities mentioned in options 1 and 3, which are insurance services and leasing, are activities typically performed by Non-Bank Financial Institutions (NBFI) or Lembaga Keuangan Bukan Bank (LKBB). Therefore, option B is the correct answer.

The main function of a bank as a financial institution is to create a giral rung. This refers to the process of creating credit and facilitating transactions through the use of checks, electronic transfers, and other forms of non-cash payments. By creating giral rung, banks enable individuals and businesses to make payments and conduct financial transactions without the need for physical cash. This function is essential for the smooth functioning of the economy and the facilitation of economic activities.

The correct answer is A because it states that the function of Non-Bank Financial Institutions is to organize an integrated system of regulation and supervision over all activities in the financial services sector. This means that these institutions are responsible for overseeing and ensuring the smooth operation of financial activities in the sector, which includes activities such as insurance, capital markets, pension funds, and other non-banking financial services.

The correct answer is E because it states that the benefit of leasing companies as Non-Bank Financial Institutions (LKBB) is to assist the community in need of goods through leasing. This means that leasing companies provide a service where individuals can rent or lease goods instead of purchasing them outright, making it more affordable and accessible for those who may not have the financial means to buy them.

The correct answer is B because the Otoritas Jasa Keuangan (OJK) has the authority to regulate and supervise the banking sector, which includes granting licenses for opening banks and bank branches, approving the bank's articles of association and business plans, overseeing ownership structures, and managing the bank's management. This ensures that banks operate within the legal framework and adhere to the regulations set by the OJK.