1. Sales Contract
Seller Buyer
2. Goods & Documents
2 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
3 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
4 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Buyer Seller
Open Account
Risiko
Risiko
Letter of Credit
Advance Payment
5 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
INSTRUMENT PEMBAYARAN
Collection D/A
Non LC/ SKBDN Advance Payment Collection D/P
Open Account
6 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
1 Keamanan
2 Kemudahan
3 Kecepatan
4 Pembiayaan
5 Pembayaran
6 Jaminan
7 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Letter of Credit
Pengertian Menurut UCP600 art. 2
Suatu janji yang pasti dari Issuing Bank yang bersifat irrevocable
untuk melakukan pembayaran kepada pihak penerima
(beneficiary) atas presentasi dokumen yang sesuai (complying
presentation) dengan syarat dan kondisi LC
8 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Letter of Credit
Alur Transaksi
9 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Letter of Credit
Pihak-pihak dalam LC
Letter of Credit
Fungsi Keterangan
Commercial LC
Memberi rasa aman kepada penerima LC dikarenakan ada
Alat Pembayaran
jaminan dari bank penerbit LC apabila dokumen sesuai
dengan LC.
Standby LC (SBLC)
Bank Penerbit SBLC memberikan jaminan pembayaran
Alat Penjamin kepada penerima SBLC jika terjadi cidera janji oleh pihak
applicant dan dokumen yang diserahkan oleh penerima
SBLC telah sesuai dengan persyaratan dokumen dalam
SBLC.
11 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Letter of Credit
Fitur LC
Sifat LC
•Irrevocable LC
LC yang tidak dapat diubah atau dibatalkan secara sepihak tanpa persetujuan issuing
bank, confirming bank (jika ada) dan beneficiary).
•Transferable LC
LC yang memberi hak kepada Beneficiary untuk dapat memindahkan sebagian atau
seluruh nilai yang tercantum dalam LC kepada satu atau lebih pemasok/Beneficiary-2.
Tenor LC
•Sight LC
LC yang pembayarannya dilakukan oleh Issuing Bank pada saat dokumen diunjukkan
•Usance LC
LC yang pembayarannya dilakukan oleh Issuing Bank pada saat jatuh tempo
draft/kewajiban
12 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Letter of Credit
Fitur LC
Availability
• Sight payment LC
LC yang memuat klausula dimana issuing bank berjanji melakukan pembayaran atas unjuk (at
sight), baik secara langsung atau melalui bank lain yang diberi kuasa.
• Acceptance / Usance LC
LC yang memuat klausula dimana issuing bank berjanji untuk mengaksep draft yang dibuat oleh
beneficiary dan melakukan pembayaran berjangka/usance (pada waktu yang telah
ditentukan di kemudian hari).
• Negotiation LC
LC yang memuat klausula dimana issuing bank memberikan kuasa kepada bank lain untuk
menegosiasi (mengambil alih Wesel atau dokumen LC, yakni melakukan pembayaran baik atas
dasar sight dan usance).
• Deferred Payment LC
LC yang memuat klausula dimana issuing bank berjanji untuk melakukan pembayaran
berjangka/usance (pada waktu yang telah ditentukan di kemudian hari)
13 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Letter of Credit
Fitur LC
Availability
14 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Letter of Credit
Fitur LC
Penunjukan Bank
• Restricted LC
LC yang hanya menunjuk pada bank tertentu atau hanya 1 (satu) Nominated Bank
untuk melakukan payment / acceptance / deferred payment /negotiation atas
presentasi dokumen yang comply oleh beneficiary.
• Unrestricted LC
LC yang memberikan kuasa kepada semua bank, tidak terbatas pada bank yang
disebut dalam LC, untuk melakukan payment / acceptance / deferred payment
/negotiation atas presentasi dokumen yang comply oleh beneficiary.
• Straight L/C
LC yang mensyaratkan presentasi dokumen oleh beneficiary hanya pada counter
issuing bank.
Letter of Credit
Fitur LC
Konfirmasi LC
• Unconfirm LC
LC yang pembayarannya hanya dijamin oleh Issuing Bank, asalkan sesuai dengan
syarat dan kondisi LC.
• Confirm LC
LC yang pembayarannya dijamin oleh Confirming Bank selain Issuing Bank, asalkan
sesuai dengan syarat dan kondisi LC.
Tanggung jawab Confirming Bank sama dengan Issuing Bank dan Confirming Bank
tidak dapat menarik diri dari kewajibannya kepada penerima
16 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Rules
17 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
• Surat Kredit Berdokumen Dalam Negeri (SKBDN) atau lazim dikenal sebagai "Letter of
Credit" (L/C) Dalam Negeri adalah setiap janji tertulis berdasarkan permintaan tertulis
Pemohon (Applicant) yang mengikat Bank Pembuka (Issuing Bank) untuk:
a. melakukan pembayaran kepada Penerima atau ordernya, atau mengaksep dan membayar wesel
yang ditarik oleh Penerima;
b. memberi kuasa kepada bank lain untuk melakukan pembayaran kepada Penerima atau ordernya,
atau mengaksep dan membayar wesel yang ditarik oleh Penerima; atau
c. memberi kuasa kepada bank lain untuk menegosiasi wesel yang ditarik oleh Penerima, atas
penyerahan dokumen, sepanjang persyaratan dan kondisi SKBDN dipenuhi.
• SKBDN dan perubahannya tunduk pada PBI No. 5/6/PBI/2003 tanggal 2 Mei 2003.
18 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
19 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
LC vs SKBDN
Critical Points
21 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Contoh LC (1/3)
22 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Contoh LC (2/3)
23 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
Contoh LC (3/3)
24 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
February 28, 2019
26 Overview Trade Finance & Produk Trade © PT Bank Mandiri (Persero) Tbk.
S pe cime n S pe cime n
OCEAN BILL OF LADING COMMERCIAL INVOICE
Shipper/Vendor B/L No. SSL75
BHA GROUP INC. Seller/Exporter Invoice No. Date
88000 E. 63RD STREET, KANSAS CITY SAMUDERA SHIPPING BHA GROUP INC. 040/LMI/99 …………………………………..
88000 E. 63RD STREET, KANSAS CITY L/C No. Date
MO 64133-4883 LINE MO 64133-4883 LC2103903567 …………………………………..
Issuing Bank
Consignee Notify Party Buyer/Importer BANK DUIT NASIONAL
TO THE ORDER OF LMI TRADING DIVISION LMI TRADING DIVISION JAKARTA
BANK MAJU INTERNATIONAL GEDUNG KENARI BARU LT. IV GEDUNG KENARI BARU LT. IV Country of Origin Country of Destination
JAKARTA JL. SALEMBA RAYA NO. 2, JAKARTA PUSAT JL. SALEMBA RAYA NO. 2, JAKARTA PUSAT USA INDONESIA
Terms of Delivery and Payment
Ocean Vessel/Aircraft etc. Departure Date CNF TG. PRIOK, JAKARTA
Pre-Carrieage by Ocean Vessel Voy No. Place of Receipt Port of Loading
SHATI BHUM VOY. 45 ………………………………………..BY IRREVOCABLE CREDITS AT SIGHT
SHATI BHUM VOY. 45 USA USA
Port of Discharge Final Destination Gross Wt (Kg) Nett Wt (Kg) Measurement (M3) Port of Loading Port of Destination Quantity Unit Price Amount
TG. PRIOK, JAKARTA USA TG. PRIOK, JAKARTA
Shipping Mark Nos and Description of Goods Mark Nos and No.and Kind of
Description of Goods
Container No./Seal No. Container No. Packages
LMI 1 LOT RIGID DISCHARGE ELECTRODA, 23,500 23,000 23 LMI 1 LOT RIGID DISCHARGE ELECTRODA, 2740 PCS USD 53.68 USD 147,083.20
JAKARTA COSIST OF 2740 PCS RDE OPESED PIN
JAKARTA COSIST OF 2740 PCS RDE OPESED PIN
SC040/LMI/99 @ 77" LONG CARBON STEEL COMPLETE
SC 040/LMI/99 @ 77" LONG CARBON STEEL COMPLETE
HS 9032.89.000 WITH ACCESSORIES : CLAMP, BOLT & NUT
HS 9032.89.000 WITH ACCESSORIES : CLAMP, BOLT & NUT CNF TG. PRIOK, JAKARTA.
CONT/SEAL NBR CNF TG. PRIOK, JAKARTA.
DOKUMEN KOMERSIAL
COMMERCIAL INVOICE
TRANSPORT DOCUMENTS
INSURANCE DOCUMENTS
DOKUMEN PENDUKUNG/
PENUNJANG :
PACKING LIST
JENIS-JENIS WEIGHT LIST
MEASUREMENT LIST
DOKUMEN CERTIFICATE OF QUALITY, DLL
Buyer/Importer
LMI TRADING DIVISION
LC2103903567
Issuing Bank
BANK DUIT NASIONAL
JAKARTA
…………………………………..
INFORMASI A.L.:
Mark Nos and No.and Kind of
Description of Goods
Container No. Packages
• TANGGAL
LMI 1 LOT RIGID DISCHARGE ELECTRODA, 2740 PCS USD 53.68 USD 147,083.20
JAKARTA COSIST OF 2740 PCS RDE OPESED PIN
SC040/LMI/99 @ 77" LONG CARBON STEEL COMPLETE
HS 9032.89.000 WITH ACCESSORIES : CLAMP, BOLT & NUT
MAUPUN BUYER
• NOMOR KONTRAK/ORDER
• HARGA SATUAN
Total Package Net WT (Kg) Gross Wt (Kg) Meas. (CBM) Total Quantity Invoice Total
1 LOT 23,000 23,500 23 2740 PCS USD 147,083.20
Exporter's Declaration
• TOTAL HARGA
WE HEREWITH CERTIFY THAT THE GOODS DISCRIBED ABOVE MENTIONED ARE CORRECT.
• KONDISI HARGA
Authorized Signature,
Port of Discharge
SHATI BHUM VOY. 45
Final Destination
USA
Gross Wt (Kg) Nett Wt (Kg)
USA
Measurement (M3)
BARANG UNTUK ATAU YG TELAH DIMUAT
TG. PRIOK, JAKARTA
Shipping Mark Nos and
Container No./Seal No.
Description of Goods
DI KAPAL LAUT YANG DIANGKUT KE
LMI
JAKARTA
1 LOT RIGID DISCHARGE ELECTRODA,
COSIST OF 2740 PCS RDE OPESED PIN
23,500 23,000 23
TEMPAT TUJUAN SESUAI PERJANJIAN
SC 040/LMI/99 @ 77" LONG CARBON STEEL COMPLETE
HS 9032.89.000
CONT/SEAL NBR
WITH ACCESSORIES : CLAMP, BOLT & NUT
CNF TG. PRIOK, JAKARTA.
PENGANGKUTAN, YANG SEKALIGUS
TMO3892 /
SL678954000
LC NUMBER: LC2103903567
SHIPPED ON BOARD
dated ………………………. MERUPAKAN DOCUMENT OF TITLE
DATED: …………………………………..
(BUKTI PEMILIKAN BARANG) BAGI
Total No. of Containers or
Packages (in words)
1 X 20' CONTAINER CONSIGNEE.
Freight and Charges etc. Prepaid Collect Type of Service
C/Y-C/Y
FREIGHT PREPAID Number of Original B/L
3 (THREE)
Freight Payable PIHAK-PIHAK YANG TERKAIT DALAM B/L:
• SHIPPER
USA
Place and date of issue
KANSAS ………………………………………..
• CARRIER
Delivery to be Effective Through
FOR SAMUDERA SHIPPING LINE
TRANSEA SHIPPING LINE
FOR OTHER TERMS AND CONDITIONS SEE REVERSE SIDE As Agents • CONSIGNEE
• NOTIFY PARTY
Bill of Lading
© PT Bank Mandiri (Persero) Tbk.
Contoh LC TRANSFERABLE
Lanjutan…..
71B: Charges
ALL BANK CHARGES RELATING TO 1ST
BENEFICIARY ARE FOR ACCOUNT OF 1ST
BENEFICARY AND ALL BANK CHARGES
RELATING TO 2ND BENEFICIARY ARE FOR
ACCOUNT OF 2ND BENEFICIARY
48: Period for Presentation
DOCUMENTS TO BE PRESENTED WITHIN 10
DAYS AFTER DATE OF SHIPMENT BUT
WITHIN THE VALIDITY OF THE CREDIT
49: Confirmation Instructions
WITHOUT
78: Instr to Payg/Accptg/Negotg Bank
1. ALL DOCUMENTS PLUS ONE COPY OF EACH IN ONE LOT ARE TO BE SENT
TO PT BANK MANDIRI (PERSERO) TBK, SINGAPORE BRANCH AT 12 MARINA
VIEW, HEX19-01, ASIA SQUARE TOWER 2, SINGAPORE 018961 FOR
SUBSTITUTION BY COURIER SERVICE IN ONE COVER
2. A FEE OF USD70.00 WILL BE CHARGED FOR ANY DISCREPANT DOCUMENTS
PRESENTED AND USD70.00 WILL BE DEDUCTED UPON OUR
REIMBURSEMENT.
3. REIMBURSEMENT WILL BE ONLY MADE STRICTLY UPON RECEIPT OF
PROCEEDS FROM ISSUING BANK
72: Sender to Receiver Information
PLEASE ACKNOWLEDGE RECEIPT
------------------------ Message Trailer --------------------------
.
330/LMI
DOKUMEN YG DITERBITKAN
OLEH PERUSAHAAN ASURANSI
…………………………………………………..
…………………………………………………..
L/C No. : LC2103903600
…………………………………………………..
Amount insured : USD 28,040.00 Issued by : …………………………………………………
Clauses :
ICC "A"
Date of Sailing/
BARANG YANG AKAN DIANGKUT
……………………………………….
DENGAN KONDISI/RESIKO
Policy cost USD 1.64
Stamp duty USD 0.25To : TG. PRIOK, JAKARTA
USD 128.07
I M P ORT A NT S Consignee : ………………………………..
P ROCE DURE I N T HE E V E NT OF LOSS OR DE M A GE FOR WHI CH UNDE RWRI T E R M A Y B E LI A B LE ……………………………….
LI A B I LI T Y OF CA RRI E RS B A I LE SS OR ORT HE R T HI RD P A RT I E S
………………………………………………………..
……………………………………………………….. Deductible :
……………………………….
t o s ubmi t al l av ai l abl e s uppor t i ng doc ument s wi t hout del ay i nc l udi ng when appl i c abl e
1 . Or i gi nal P ol i c y
We, hereby agree, in consideration of the payment to by
or on behalf of the Assured of the premium as arranged,
to insure against loss damage liability or expence to the
extent and in the manner herein provided.
TERTANGGUNG.
2. Or i gi nal or c er t i f i ed c opy of s hi ppi ng i nv oi c es , t oget her wi t h s hi ppi ng s pec i f i c at i on and/ or wei ght not e
3. Or i gi nal or c er t i f i ed B i l l of Ladi ng and/ or ot her c ont r ac t of c ar r i age. In witness whereof, this policy has been signed by a duly
4. Sur v ey r epor t or ot her doc ument ar y ev i denc e t o s how t he ex t ent of t he l os s or demage. authorized representative of this Company at :
5. Landi ng ac c ount and wei ght not es at por t of di s c har ge and f i nal des t i nat i on.
6. Cor r es pondenc e ex c hanged wi t h t he c ar r i er s or t hei r B ai l ees r egar di ng t hei r l i abi l i t y f or t he l os s or demage Jakarta, …………………………………..
Survey :
In the event of loss or demage arising under this policy no claims
w ill be admitted unless a survey has been held w ith the approval
for LMI INDONESIA INSURANCE
PIHAK-PIHAK YANG TERKAIT
of ……our claim settling agent as attached..……………………………….
DALAM ASURANSI:
INSURANCE • PENANGGUNG
• TERTANGGUNG
DOCUMENT
© PT Bank Mandiri (Persero) Tbk.
S pe cime n
OTHERS
COMMERCIAL INVOICE
S pe cime n
OCEAN BILL OF LADING S pe cime n
DOCUMENTS
BHA GROUP INC.
88000 E. 63RD STREET, KANSAS CITY L/C No. Date
MO 64133-4883
88000 E. 63RD STREET, KANSAS CITY
Seller/Exporter LC2103903567 SAMUDERA SHIPPING
Invoice No. ………………………………….. Date
Buyer/Importer
MO 64133-4883
BHA GROUP INC.
Issuing Bank
BANK DUIT NASIONAL 040/LMI/99
LINE …………………………………..
LMI TRADING DIVISION 88000 E. 63RD STREET, KANSAS CITYJAKARTA L/C No. Date
Consignee
GEDUNG KENARI BARU MO
LT. IV
64133-4883 Country of Origin NotifyLC2103903567
Party Country of Destination …………………………………..
JL. SALEMBATO THENO.
RAYA ORDER OF PUSAT
2, JAKARTA USA LMI TRADING DIVISION
INDONESIA
Issuing Bank
BANK MAJU Buyer/Importer
INTERNATIONAL Terms of Delivery GEDUNG
and Payment
BANKKENARI BARU LT. IV
MAJU INTERNATIONAL
Ocean Vessel/Aircraft
JAKARTA etc. Departure
LMI TRADING Date
DIVISION CNF TG. PRIOK, JAKARTA
JAKARTARAYA NO. 2, JAKARTA PUSAT
JL. SALEMBA
SHATI BHUM VOY. 45 ………………………………………..BY IRREVOCABLE CREDITS AT SIGHT
GEDUNG KENARI BARU LT. IV Country of Origin Country of Destination
JL.by
Pre-Carrieage SALEMBA RAYA NO.Ocean
2, JAKARTA
VesselPUSAT
VoyQuantity
No. PlaceUSAReceipt INDONESIA
Port of Loading Port of Destination UnitofPrice Amount Port of Loading
USA SHATI BHUM VOY. 45
TG. PRIOK, JAKARTA USA Terms of Delivery and PaymentUSA
Port No.and
Mark Nos and
Container No. Packages
LMI
Ocean
of Discharge
Kind ofVessel/Aircraft
Description
SHATI BHUM VOY. 45
USD 53.68
JAKARTA
Nett Wt (Kg) Measurement (M3)
Unit
USD 147,083.20 Quantity
PACKING LIST
Container No./Seal No.
JAKARTA
HS 9032.89.000
COSISTUSA
SC040/LMI/99 @ 77" LONG
JAKARTA
OF 2740 PCS RDE OPESED PINTG. PRIOK, JAKARTA
Mark CARBON
Nos and STEEL
LMI WITH ACCESSORIES
1 LOT
Container
CNF TG. PRIOK,COSIST
JAKARTA.
No.and
No.:RIGID
Kind of Description of Goods
COMPLETE
DISCHARGE
CLAMP, ELECTRODA,
BOLT & NUT
Packages
OF 2740 PCS RDE OPESED PIN
23,500 23,000 23 DOKUMEN YANG DIBUAT
OLEH BENEFICIARY BERISI
SC 040/LMI/99
LMI @ 77" LONG CARBON
1 LOT STEEL COMPLETE
RIGID DISCHARGE ELECTRODA, PIECE 2740 PCS
HS 9032.89.000 WITH ACCESSORIES
JAKARTA : CLAMP,
COSIST OF 2740 PCSBOLT & NUT PIN
RDE OPESED
CONT/SEALSC040/LMI/99
NBR CNF TG. PRIOK, JAKARTA.
@ 77" LONG CARBON STEEL COMPLETE
HS 9032.89.000 WITH ACCESSORIES : CLAMP, BOLT & NUT
SHIPPED ON BOARD
TENTANG RINCIAN KEMASAN
TMO3892 /
CNF TG. PRIOK, JAKARTA.
SL678954000 dated ……………………….
LC NUMBER: LC2103903567
DATED: …………………………………..
Total Package
BARANG.
TotalNet
No.WT (Kg) GrossorWt (Kg) Meas.
of Containers 1 X 20' (CBM) Total Quantity
CONTAINER Invoice Total
1 LOT 23,000
Packages (in words)
Exporter's Declaration
23,500
Prepaid
2740 PCS
Collect
Type of Service
WE HEREWITH CERTIFY THAT THE GOODS DISCRIBED ABOVE MENTIONED AREC/Y-C/YCORRECT.
Total Packages Net Wt (Kg) Gross Wt (Kg) Meas. (CBM)
USD 147,083.20
Total Quantity
KEMASAN SEBAIKNYA YANG
LAIK LAUT (SEAWORTY)
FREIGHT PREPAID Number of Original B/L
1 LOT 23,000 23,500 23 2740 PCS
Exporter's Declaration
3 (THREE)
Freight Payable
Authorized Signature,
WE HEREWITH CERTIFY THAT THE GOODS PACKAGEDUSA BY LOT
Place and date of issue
KANSAS ………………………………………..
Delivery to be Effective Through
FOR SAMUDERA SHIPPING
AuthorizedLINE
Signature,
TRANSEA SHIPPING LINE
Incoterms dapat dibagi menjadi dua kelas pembagian, yaitu peruntukan incoterms untuk
moda laut dan untuk moda transportasi apa saja.