PENYUSUN :
TIM MGMP EKONOMI SMA KOTA CIREBON
KETUA :
YANDRIANA F.M, S.E
ANGGOTA :
HENI HUSNUL KHOTIMAH, S.E
SRI SUPARTINI KURNIANINGSIH, S.E
DRA. KARTINI DENOK HAPSARI
DRA SITI ROCHAENI, M.M
DRA. RIENA TISNAERIE, M.PD
YAYAH ROKAYAH, S.PD
EDITOR :
DRS. ACHMAD KUSRIADI,
TATI DEVIYANTI, M.PD
KOMPETENSI DASAR
1 :
A. KEBUTUHAN
Kebutuhan adalah sesuatu yang diperlukan manusia untuk mencapai kemakmuran. Berdasar kelompoknya
kebutuhan dibagi menurut :
1.
Intensitas yaitu
...........................................................................................................................
2.
Sifatnya yaitu
...........................................................................................................................
3.
Waktu yaitu
...........................................................................................................................
4.
Subjeknya yaitu
...........................................................................................................................
2 :
KOMPETENSI DASAR
....................................................................................................................................................................
2.
....................................................................................................................................................................
3.
....................................................................................................................................................................
4.
....................................................................................................................................................................
Untuk memuaskan kebutuhannya, manusia memerlukan pemuas berupa barang dan jasa. Barang berbentuk
kongkret dan jasa berbentuk abstrak. Berdasarkan alat pemuasnya, barang dan jasa dibagi menurut :
1.
Sifatnya yaitu
...........................................................................................................................
2.
Fungsinya yaitu
...........................................................................................................................
3.
Wujudnya yaitu
...........................................................................................................................
4.
Cara penggunaannya :
...........................................................................................................................
5.
Pengerjaannya yaitu :
...........................................................................................................................
LKS EKONOMI SMA X HALAMAN | 3
Berdasarkan faedah atau utilitasnya, AL Meyers membagi barang dan jasa menjadi :
1.
.....................................................................................................................................................................
2.
.....................................................................................................................................................................
3.
.....................................................................................................................................................................
4.
.....................................................................................................................................................................
5.
.....................................................................................................................................................................
Selain itu adapula pengelompokan barang dan jasa yang lain menurut hubungan konsumsi dan tingkat
pendapatan yaitu:
1.
.....................................................................................................................................................................
2.
.....................................................................................................................................................................
3.
.....................................................................................................................................................................
KOMPETENSI DASAR
3 :
MENGIDENTIFIKASI
MASALAH
EKONOMI
YAITU
TENTANG
APA,
............................................................................................................................................................................
............................................................................................................................................................................
2.
............................................................................................................................................................................
............................................................................................................................................................................
E.
Prinsip ekonomi adalah pedoman / patokan yang digunakan manusia dalam melakukan kegiatan
tindakan ekonomi. Pedoman tersebut berupa : Dengan pengorbanan yang tertentu untuk memperoleh
hasil yang sebesar-besarnya.
2.
Motif ekonomi adalah dorongan yang menyebabkan manusia melakukan tindakan ekonomi. Dorongan
tersebut dapat berupa :
a.
..............................................................................................................................................................
b.
..............................................................................................................................................................
c.
..............................................................................................................................................................
d.
..............................................................................................................................................................
KOMPETENSI DASAR
4 :
C.
BIAYA PELUANG
Biaya Peluang (Opportunity Cost) adalah ..........................................................................................................
............................................................................................................................................................................
............................................................................................................................................................................
............................................................................................................................................................................
Berikan contohnya :
1.
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2.
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KOMPETENSI DASAR 5 : MENGIDENTIFIKASI SISTEM EKONOMI UNTUK MEMECAHKAN MASALAH EKONOMI
E.
SISTEM EKONOMI
Sistem ekonomi adalah cara sebuah negara menyelesaikan masalah masalah ekonomi secara sistematis.
Sistem ekonomi sebuah negara dipengaruhi oleh ideologi negara yang bersangkutan. Beberapa sistem
ekonomi yang ada :
1.
2.
3.
5.
NILAI
PARAF GURU
CATATAN
KOMPETENSI DASAR
1 :
A. KONSUMEN
Konsumsi adalah ...............................................................................................................................................
Orang yang melakukan kegiatan konsumsi disebut ...........................................................................................
Teori Perilaku konsumen :
1.
Pendekatan kardinal
yaitu ............................................................................................................................................................
.....................................................................................................................................................................
.....................................................................................................................................................................
.....................................................................................................................................................................
2.
Pendekatan ordinal
yaitu ............................................................................................................................................................
.....................................................................................................................................................................
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B. PRODUSEN
Produksi adalah ............................................................................................................................. .....................
Orang yang melakukan kegiatan produksi disebut .............................................................................................
1.
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
2.
Teori Produksi
Tahapan Produksi
Faktor-faktor Produksi
3.
Perilaku Produksi
The Law of diminishing returns adalah ....................................................................................................
.....................................................................................................................................................................
.....................................................................................................................................................................
.....................................................................................................................................................................
Sebidang tanah dengan luas tetap 1 Ha akan diolah dan ditanami tanaman. Modal yang disiapkan adalah
sebesar Rp 50.000.000,00
Pekerja
1
2
3
4
5
6
TP (Total Product)
dalam ton
10
21
34
42
46
48
MP (Marginal Product)
dalam ton
10
11
13
8
4
2
Hukum penambahan yang semakin berkurang mulai terlihat pada penggunaan pekerja ke .......................
Jelaskan ! ....................................................................................................................................................
.....................................................................................................................................................................
.....................................................................................................................................................................
.....................................................................................................................................................................
4.
Produktivitas
Produktivitas dapat ditingkatkan dengan cara sebagai berikut :
a.
..............................................................................................................................................................
.....................................................................................................................................................................
b.
..............................................................................................................................................................
.....................................................................................................................................................................
c.
..............................................................................................................................................................
.....................................................................................................................................................................
d.
..............................................................................................................................................................
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KOMPETENSI DASAR
F.
2 :
.....................................................................................................................................................................
2.
.....................................................................................................................................................................
3.
.....................................................................................................................................................................
4.
.....................................................................................................................................................................
KOMPETENSI DASAR
3 :
2.
Peran Konsumen
..............................................................................................................................................................
..............................................................................................................................................................
..............................................................................................................................................................
..............................................................................................................................................................
Peran Produsen
..............................................................................................................................................................
..............................................................................................................................................................
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LKS EKONOMI SMA X HALAMAN | 9
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NILAI
PARAF GURU
CATATAN
MEMAHAMI
KONSEP
EKONOMI
DALAM
KAITANNYA
DENGAN
1 :
KOMPETENSI DASAR
2 :
A. PERMINTAAN (DEMAND)
Permintaan adalah
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
Hukum permintaan
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
dipengaruhi oleh
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
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Fungsi permintaan :
P = a b Q atau Q = a b P
Cara menentukan persamaan fungsi permintaan :
P P1
Q Q1
P2 P1 Q 2 Q1
B. PENAWARAN (SUPPLY)
Penawaran adalah
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
Hukum penawaran
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
dipengaruhi oleh
...........................................................................................................................
...........................................................................................................................
LKS EKONOMI SMA X HALAMAN | 11
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
...........................................................................................................................
Fungsi penawaran :
P = a + Bq atau Q = a + b P
Cara menentukan persamaan fungsi penawaran :
P P1
Q Q1
P2 P1 Q2 Q1
Ada tiga macam barang dimana kurva permintaan dan penawaran tidak berlaku, yaitu;
a.
.....................................................................................................................................................................
.....................................................................................................................................................................
b.
.....................................................................................................................................................................
.....................................................................................................................................................................
c.
.....................................................................................................................................................................
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KOMPETENSI DASAR
C.
3 :
KESEIMBANGAN PASAR
Keseimbangan pasar (Price Equillibrium) adalah harga yang terjadi apabila jumlah barang yang diminta sama
dengan jumlah barang yang ditawarkan. Yaitu pada saat Pd = Ps atau Qd = Qs
Contoh soal :
Diketahui
: sebuah fungsi permintaan P = 1000 20Q dan fungsi penawaran P = -600 + 20Q.
............................................................................................................................................................................
............................................................................................................................................................................
............................................................................................................................................................................
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Contoh soal :
fungsi permintaan ditunjukkan dengan P = 50 2Q, dan fungsi penawaran ditunjukkan dengan P = -30 + 2 Q.
Apabila pemerintah menetapkan pajak sebesar Rp 10,00 per unit, hitung keseimbangan pasar setelah pajak.
Jawab :
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E.
F.
2.
2.
.....................................................................................................................................................................
3.
Apabila menggunakan notasi matematika maka koefisien elastisitasnya dapat dihitung dengan rumus
sebagai berikut :
E=
Rumus :
Q P
x
P Q
Keterangan :
Q =
P =
harga awal
Jenis Elastisitas
Permintaan elastis
Permintaan inelastis
Permintaan uniter/normal
Permintaan elastis sempruna
Permintaan inelastis Sempurna
PARAF GURU
Contoh Barang
CATATAN
MEMAHAMI
KONSEP
EKONOMI
DALAM
KAITANNYA
DENGAN
4 :
2.
.............................................................................................................................................................
b.
.............................................................................................................................................................
c.
.............................................................................................................................................................
d.
.............................................................................................................................................................
e.
.............................................................................................................................................................
Pasar persaingan tidak sempurna. Ciri cirinya adalah tidak memiliki ciri ciri pasar persaingan sempurna.
Pasar persaingan tidak sempurna, terdiri dari :
a.
b.
c.
d.
KOMPETENSI DASAR
5 :
Pasar tanah (Sumber Daya Alam) adalah Pasar yang menghubungkan penjual dengan pembeli tanah
untuk melakukan transaksi perdagangan. Pemilik Tanah menerima imbalan jasa berupa sewa
Teori sewa tanah :
a.
b.
2.
Pasar Tenaga Kerja (Sumber Daya Manusia) adalah pasar yang menghubungkan penjual dan pembeli
tenaga kerja untuk melakukan transaksi perdagangan. Tenaga kerja akan memperoleh upah/gaji
Teori upah / gaji
a.
..............................................................................................................................................................
b.
c.
d.
3.
Pasar Modal (Sumber Daya Modal) adalah pasar yang menghubungkan antara penjual dan pembeli
modal uang untuk melakukan transaksi perdagangan. Pemilik modal akan menerima pendapatan
berupa bunga modal
Teori bunga modal :
a.
b.
c.
4.
Pasar Kewirausahaan / pengusaha. Pengusaha akan memperoleh balas jasa berupa keuntungan / laba.
Teori Laba Pengusaha
a.
b.
J. Schumpeter. .....................................................................................................................................
..............................................................................................................................................................
Jawaban : C
NILAI
PARAF GURU
CATATAN
BAB V. EKONOMI MIKRO, EKONOMI MAKRO DAN MASALAH YANG DIHADAPI PEMERINTAH
STANDAR KOMPETENSI
KOMPETENSI DASAR
:
1 :
A. EKONOMI MIKRO
Ekonomi Mikro adalah ......................................................................................................................................
............................................................................................................................................................................
............................................................................................................................................................................
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Ruang lingkup yang dipelajari dalam ekonomi mikro adalah ............................................................................
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B. EKONOMI MAKRO
Ekonomi Makro adalah .....................................................................................................................................
............................................................................................................................................................................
............................................................................................................................................................................
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Ruang lingkup yang dipelajari dalam ekonomi makro adalah : .........................................................................
............................................................................................................................................................................
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KOMPETENSI DASAR
2 :
MENDESKRIPSIKAN
MASALAH
PEREKONOMIAN
YANG
DIHADAPI
PEMERINTAH
C. MASALAH YANG DIHADAPI PEMERINTAH
Masalah yang dihadapi pemerintah dalam bidang ekonomi makro
LKS EKONOMI SMA X HALAMAN | 17
a.
..............................................................................................................................................................
b.
.............................................................................................................................................................
c.
.............................................................................................................................................................
d.
.............................................................................................................................................................
..............................................................................................................................................................
b.
..............................................................................................................................................................
c.
..............................................................................................................................................................
d.
..............................................................................................................................................................
e.
..............................................................................................................................................................
f.
..............................................................................................................................................................
g.
..............................................................................................................................................................
h.
..............................................................................................................................................................
NILAI
PARAF GURU
CATATAN
KOMPETENSI DASAR
1 :
2.
3.
4.
5.
6.
Contoh :
di bawah ini diberikan contoh perhitungan pendapatan nasional suatu negara, (dalam jutaan rupiah)
GDP (Gross Domestic Product)
Rp 156.000,00
Rp 26.000,00 Rp 130.000,00
Rp 10.000,00 +
Rp 140.000,00
Rp 15.000,00 -
Rp 125.000,00
Rp 22.000,00 -
Rp 103.000,00
Dana sosial
Rp 3.000,00
Rp 6.000,00
Pajak perusahaan/perseroan
Rp 12.000,00 +
Rp 21.000,00 Rp 82.000,00
Transfer pemerintah
Rp
8.000,00 -
PI (Personal Income)
Rp 74.000,00
Pajak langsung
Rp
DI (Disposible Income)
Rp 70.000,00
Tabungan (saving)
Rp 15.000,00 -
Rp 55.000,00
4.000,00 -
Metode ............................................................
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.....................................................................................................................................................................
2.
Metode ............................................................
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3.
Metode ............................................................
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C. PENDAPATAN PERKAPITA.
Pendapatan Perkapita adalah ............................................................................................................................
............................................................................................................................................................................
KOMPETENSI DASAR
2 :
..................
..............................
E.
1.
.....................................................................................................................................................................
2.
.....................................................................................................................................................................
3.
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4.
.....................................................................................................................................................................
5.
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6.
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7.
.....................................................................................................................................................................
dapat diketahui dari Kurva Lorenz, yaitu kurva yang menggambarkan hubungan antara distribusi jumlah
penduduk dengan distribusi pendapatan. Sedangkan indikator untuk mengukur tingkat ketimpangan
distribusi pendapatan adalah Indeks Gini.
Kriteria nilai Indeks Gini adalah sebagai berikut :
Antara 0,4 (40%) sampai dengan 0,5 (50%), tingkat ketimpangannya sedang
KOMPETENSI DASAR
3 :
MEMBANDINGKAN
PDB
DAN
PENDAPATAN
PERKAPITA
NEGARA
Negara
Tahun 1996
Tahun 1997
Tahun 1998
Tahun 1999
1.
Indonesia
413.797,9
433.245,9
376.902,5
359.029,6
2.
Malaysia
173.035,2
236.322,9
384.017,6
359.029,6
3.
Singapura
188.473,0
332.205,4
581.770,8
540.168,0
4.
Kanada
1.364.764,5
2.639.811,0
4.344.070,6
5.
Hongkong
244.017,3
497.400,0
814.710,4
6.
Jepang
998.560.702,0
1.460.884.076,0
3.346.835.051
739.700,2
-
Dari data di atas, tampak bahwa PDB Indonesia bukan yang terkecil. Bahkan PDB Indonesia lebih besar jika
dibandingkan dengan Malaysia, Hongkong dan Singapura.
PDB yang besar bukan ukuran yang tepat untuk menilai tingkat kemakmuran suatu negara. Karena negara
dengan PDB besar tidak bisa dikategorikan makmur jika jumlah penduduk yang dihidupi dari jumlah PDB tersebut
juga besar. Untuk membandingkan tingkat kemakmuran, kita harus menggunakan pendapatan per kapita
sebagai patokan.
NILAI
PARAF GURU
CATATAN
KOMPETENSI DASAR
4 :
A. INFLASI
Inflasi adalah ......................................................................................................................................................
............................................................................................................................................................................
............................................................................................................................................................................
............................................................................................................................................................................
Rumus Laju Inflasi =
1.
2.
3.
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Jenis-jenis inflasi
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Teori Inflasi
..............................................................................................................................................................
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4.
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5.
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Kebijakan Fiskal artinya kebijakan mengatur pendapatan dan pengeluaran negara (APBN)
..............................................................................................................................................................
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6.
Deflasi
Deflasi adalah .............................................................................................................................................
.....................................................................................................................................................................
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B. INDEKS HARGA
Salah satu cara menghitung laju inflasi secara kuantitatif adalah menggunakan indeks harga. Indeks harga
dapat diartikan sebagai kumpulan data berupa harga-harga secara berurutan, yang berfungsi untuk
menentukan perubahan harga rata-rata yang berlaku pada suatu periode tertentu. Angka indeks adalah
angka relatif yang diyatakan dalam persentase. Biasanya untuk kesederhanaan bentuk persentase bias
dihilangkan. Ada tiga kemungkinan dalam perhitungan indeks harga, yaitu :
Jika Indeks harga > 1 atau 100%, berarti harga mengalami kenaikan
Jika Indeks harga < 1 atau 100%, berarti harga mengalami penurunan
Jika Indeks harga = 1 atau 100%, berarti harga tetap (tidak naik dan tidak turun)
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2.
3.
4.
5.
2008
2009
Rice
2.000
2.500
2.100
2.600
Sugar
4.000
3.000
3.800
3.500
Flour
3.000
2.000
2.800
2.500
Fish
8.000
1.500
9.000
2.000
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NILAI
PARAF GURU
CATATAN
:
1 :
1.
Fungsi Konsumsi
Fungsi konsumsi adalah fungsi yang menunjukkan hubungan antara konsumsi (C) dengan pendapatan
(Y). pada umumnya fungsi konsumsi diasumsikan mempunyai persamaan linear, sebagai berikut.
C = a + bY
Keterangan :
C
Consumption
b
2.
C
C
Sedangkan b = MPC =
Y
Y
Fungsi Tabungan
Fungsi tabungan yaitu fungsi yang menunjukkan hubungan antara tabungan (S) dengan pendapatan (Y).
Fungsi tabungan dapat dirumuskan sebagai berikut :
S = a + (1 b) Y
Keterangan :
S = tingkat tabungan nasional.
3.
S
Y
Tingkat pendapatan BEP (Break Even Point) atau Break Even Income (BEI).
Tingkat pendapatan BEP adalah tingkat pendapatan di mana besarnya pendapatan sama dengan
besarnya pengeluaran untuk konsumsi.
Y = C atau S = 0
Y = Tingkat Pendapatan
C = Fungsi Konsumsi
S = Fungsi Tabungan
4.
Hubungan Antara MPC (marginal Propencity to Consument) dengan MPS (Marginal Propencity to Save)
Hubungan Antara MPC apat dinyatakan seperti berikut ini.
MPC + MPS = 1 atau MPC = 1 MPS atau MPS = 1 - MPC
5.
1
1
atau
1 - MPC
1 - MPC
6.
Dalam analisis perhitungan pendapatan nasional suatu negara, keseimbangan perekonomian negara
pada perekonomian dua sektor, dapat dirumuskan sebagai berikut :
Y = C + I atau S = I
Keterangan :
C = Fungsi konsumsi
I = Besarnya investasi
S = Fungsi tabungan
Contoh Soal
1.
Jika fungsi konsumsi dinyatakan dengan persamaan C = 25 + 0,75Y. Apabila diketahui jumlah pendapatan
adalah sebesar 600, berapakah jumlah tabungannya .
a.
225
b.
200
c.
175
d.
150
e.
125
Pembahasan:
C = a + bY
S = -a + ( 1 b )Y
Y=C+S
C=YS
S=YC
Cara 1
Cara 2
C = 25 + 0,75 Y
Jika
C= 25 + 0,75(600)
C = 25 + 0,75 Y
C= 475
Maka
S=YC
S = -25 + (1 0,75) Y
S = 600 475
S = 125
S = 125
Jawaban : E
NILAI
PARAF GURU
CATATAN
:
1 :
A. UANG
1.
Pengertian Uang
Uang adalah ................................................................................................................................................
.....................................................................................................................................................................
.....................................................................................................................................................................
Uang sebagai alat tukar harus memiliki syarat-syarat sebagai berikut:
2.
.............................................................................................................................................................
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Fungsi Uang
Fungsi uang dibagi menjadi dua macam, yaitu fungsi asli dan fungsi turunan
3.
Jenis-jenis uang
4.
.............................................................................................................................................................
5.
.............................................................................................................................................................
.............................................................................................................................................................
Penawaran Uang
Penawaran uang adalah sejumlah uang tertentu yang disediakan oleh pemerintah atau bank untuk
dapat dimiliki oleh masyarakat. Penawaran uang dapat mempengaruhi tingkat harga, tingkat bunga dan
tingkat kegiatan ekonomi suatu Negara. Oleh karena itu pertambahan penawaran uang dalam
perekonomian perlu dikendalikan. Tugas tersebut dipegang oleh Bank Sentral.
6.
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8.
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9.
Nilai Uang
M1 adalah ............................................................................................................................................
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M2 adalah ............................................................................................................................................
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11. Uang inti (reserve money) merupakan inti dari proses penciptaan uang, baik bagi penciptaan uang kartal
maupun uang giral. Tanpa ada uang inti, tidak akan ada uang kartal maupun uang giral.
Jadi uang inti dapat didefinisikan sebagai berikut :
saldo rekening korang (giro) milik bank-bank umum atau masyarakat pada Bank Indonesia dan
uang tunai yang dipegang baik bank-bank umum maupun oleh masyarakat umum
Standar kertas adalah sitem keuangan dimana uang kertas berlaku sebagai alat tukar/ alat
pembayaran yang sah dan tak terbatas, akan tetapi tidak ditukarkan dengan emas dan perak pada
bank sirkulasi.
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KOMPETENSI DASAR
2 :
B. BANK
1.
2.
Soliditas artinya
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3.
Bank Sentral
Bank sentral di Indonesia dipegang oleh Bank Indonesia. Menurut UU Nomor 23 Tahun 1999 tentang
Bank Indonesia, Bank Indonesia merupakan lembaga negara yang independen bebas dari campur
tangan pemerintah dan atau pihak-pihak lainnya, kecuali untuk hal-hal yang secara tegas diatur dalam
LKS EKONOMI SMA X HALAMAN | 33
undang-undang tersebut. Bank Sentral berfungsi sebagai bank dari pemerintah dan sebagai bank dari
bank umum , sekaligus untuk mencapai dan memelihara kestabilan nilai rupiah.
Adapun tugas bank sentral antara lain sebagai berikut :
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Bank Indonesia sebagai bank sentral Indonesia dipimpin oleh Dewan Gubernur yang terdiri atas Gubernur,
Deputi Gubernur Senior dan sebanyak empat hingga tujuh orang Deputi Gubernur. Dewan Gubernur
mempunyai masa jabatan maksimal lima tahun dan hanya dapat diangkat kembali untuk satu kali masa
jabatan berikutnya. Dewan Gubernur diusulkan dan diangkat oleh Presiden dengan terlebih dahulu
mendapatkan persetujuan DPR.
Pada organisasi bank sentral umumnya terdapat tiga badan yang memiliki kewenangan tertinggi yaitu Badan
Pembuat Kebijakan, Badan Pelaksana Kebijakan dan Badan Pengawas.
4.
Bank Umum
Bank umum merupakan yang melaksanakan kegiatan usaha secara konvensional dan atau berdasarkan
prinsip syariah yang dalam kegiatannya memberikan jasa dalam lalu lintas pembayaran meliputi :
Menyalurkan dana yang dihimpun dari masyarakat, dalam bentuk : Kredit investasi, kredit modal
kerja, kredit perdagangan, kredit produktif, kredit konsumtif, dan kredit profesi
5.
menghimpun dana dari masyarakat dalam bentuk simpanan berupa deposito berjangka, tabungan
dan atau bentuk lainnya yang dipersamakan dengan itu.
Memberikan kredit.
Menyediakan pembiayaan bagi nasabah berdasarkan prinsip bagi hasil sesuai yang ditetapkan
dalam peraturan pemerintah.
Menempatkan dananya dalam bentuk Sertifikat Bank Indonesia (SBI), deposito berjangka, sertifikat
deposito dan atau tabungan pada bank lain.
6.
Bank Syariah
Bank Syariah adalah ....................................................................................................................................
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Prinsip bank syariah antara lain :
Prinsip Murabahah (Prinsip jual beli barang dengan memperoleh keuntungan) artinya
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Prinsip Ijarah (Pembiayaan barang modal berdasarkan sewa murni tanpa pilihan) artinya
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Kredit Pasif berupa Giro,Deposito berjangka, Sertifikat deposito, Tabungan dan Surat berharga
Kredit Aktif berupa Kredit Rekening Koran, Kredit Reimburs, Kredit aksep, Kredit documenter, dan
Kredit dengan jaminan surat-surat berharga.
Memberikan jasa dalam lalu lintas pembayaran, baik lalu lintas pembayaran dalam negeri dan
pembayaran intenasional.
Seperti bank, lembaga keuangan bukan bank juga memiliki produk-produk tertentu dalam kegiatannya,
yaitu :
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9.
Kredit
Kredit bersal dari bahasa latin Credere yang artinya kepercayaan. Dalam masyarakat kata tersebut
sering disamakan dengan pinjaman, artinya bila seseorang mendapat kredit berarti mendapat pinjaman.
Dengan demikian kredit dapat diartikan sebagai tiap-tiap perjanjian suatu jasa (prestasi) dan adanya
balas jasa (kontra prestasi) di masa yang akan datang.
Kredibilitas adalah layak atau tidaknya seseorang untuk memperoleh kredit. Kredibilitas tersebut harus
memenuhi lima syarat yang biasa dikenal dengan istilah 5C, yaitu :
Character .............................................................................................................................................
Capital ..................................................................................................................................................
Capacity ...............................................................................................................................................
Collateral ..............................................................................................................................................
Condition .............................................................................................................................................
Jenis-jenis Kredit.
Kredit yang masih diberlakukan sampai dengan saat ini diantaranya adalah :
Kredit Likuiditas Bank Indonesia (BLBI, diantaranya : Kredit Usaha Tani (KUT), Kredit kepada
Koperasi (KUD), Kredit kepada Bulog untuk pengadaan pangan dan gula, dan Kredit investasi yang
diberikan oleh bank-bank pembangunan dan LKBB
Kredit yang tidak ditunjang oleh Kredit Likuiditas Bank Indonesia, diantaranya : Kredit Usaha Kecil
(KUK), Kredit ekspor, Kredit Kepada Kontarktor Nasional, Kredit Produksi, Impor dan Penyaluran
Pupuk dan Obat Hama untuk BIMAS, Kredit Investasi Kecil (Kredit Modal Kerja Permanen), Kredit
Investasi (Kredit modal Kerja sampai dengan Rp 75.000.000,00), Kredit kepada Guru, Kredit
Mahasiswa Indonesia dan Kredit Asrama Mahasiswa
Kebaikan kredit :
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Keburukan kredit :
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KOMPETENSI DASAR
3 :
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NILAI
PARAF GURU
CATATAN