Kegiatan Perbankan

The present project is Sever Integrated Banking is the easiest form of accessing one’s Bank account. The main objective of this project is to facilitate the Bank Customer to access his/her account without having needed to go to Bank or ATM. Now we can access our bank account and conduct a host of banking transactions and inquiries through Internet service. The Net Banking solution’s self-service capabilities empowers customers to manage their banking activities better. The general procedure is that the Customer has to go to near ATM/Bank in order to access his account. The main disadvantage of this system is, it is time consuming, costly and it is a tedious process to go there for every small work. The current project gives the best alternative. As it is 24 hrs available and has a maximum reach even to the places where banks are not available. Customers can make fund transfers to others, knowing all information regarding all policies and also customer can pay all bills through net only.

Although Banking industry paid more attention on on-line bank, but for Commerce Bank, who training their employees at University center, and prepare for a good service of face to face. Commerce Bank was focusing on providing the good service for each customer, which is totally different than other competitors. It put a large amount investment into its special service, or “Retailtainment” for customers, therefore it ignored to improve the products. At Commerce Bank’s front door, every customer were served as same as feeling at home. Most of people like it with this special business strategy, on the other hand, some people will complain about the service is too much, there is lack of tellers. There also has a really good system in Commerce Bank, which called “WOW”, and this program also make its profits increased from 1998 to 2001.

8. Relationship Management to Bank, Leasing Company, Central Bank, Indonesian Stock Exchange, Financial Services Authorities, Rating Agency and Others Financial Institution

Actually, this financing office is taking into account the exercises of purchasing and offering. Utilizing this agreement, the Islamic bank may back the client who wishes to get a given resource however to concede the installment of the advantage for a particular period or to pay by portion. The advantage that the client wish to buy for instance, are purchased by the bank and sold to client at a concurred cost. A concurred cost will incorporate the bank's imprint up benefit. When the bank and client focus the residency, the way of the portions will then be closed. The client is moreover permitted to settle installment inside a preagreed period in a knot whole. The cost at which the bank offers the property will incorporate the genuine expense of the advantage and will likewise join the bank's net revenue. There is no hobby charged and the additional value repays the bank for its benefit. Portions stay settled over the time of the contract and no conformity is made if interest rates

Lebanon has many leading banks which are in competition with each other. The banking sector has been known for its banking secrecy, something many Arabs and non-Arabs have found appealing and got them to open Bank Accounts in Lebanon; just to benefit from the bank secrecy term. Mr. Riad Salameh president of the Banque du Liban (Lebanon’s Bank) has been striving and doing his best to keep the worth of the Lebanese Lira high, keep Lebanese commercial banks in business, and encourage customers to take loans from those banks. Thus, Mr. Salameh is the major reason behind the flourishment of the banking sector in Lebanon. “The banking sector is one of the most vibrant sectors of the Lebanese economy

Almost all banks have a wide variety of products to offer to the customers. There are regular transaction between the customer and the bank and therefore many notifications and records, that are required by both the bank and the customer for their satisfaction there are many requests that a customer makes that the bank has to oblige and thus keep records of the same in order to refer to them when ever required.

The main concern of this journal was the application of software towards the banking industry, especially in Ethiopia. According to (Nations Online Country World Wide), Ethiopia ranked the 10th in the “Third World Countries in Terms of their Gross National Income (GNI)”. “In Ethiopia cash is still the most dominant medium of exchange and Electronic-banking is not well known, let alone used for transacting banking issues.” (Vijay & Asefa, 2011) This article discusses and considers the issues and challenges that the Ethiopian Banks are facing right now. Not only that, the journal also mentioned the difficulty of them adopting such software and technology into their banking industry.

In today’s dynamic and complex world, banks play a vital role in economy of the Nation. After reinstatement of multiparty democracy in the country, several joint ventures banks were established. Besides commercial activities, Everest bank also offers industrial and merchant banking.

We have by now considered that this method should confront no objection from banking confidences in non-Muslim countries, and afterwards it is attuned with the conventional method it is comfortable to establish and work such banks with the minimal of hold and difficulties (including staff training). Moreover, dissimilar the conventional method, this method is transparent, leans on a firm theoretical basis, and furnishes management information that is very helpful for effectual supervising and control. The final is a very practical instrument both to the referred bank’s internal management and to the Central Bank authorities. The main concerns of the bank were the protection of its funds and the power of the borrower to give the interest not the final function of the lent money. Whether it was meant for founding a new enterprise, to elaborate a subsisting one, to overpass a cash flow trouble of a functioning concern, or to be employed by a small business, by a sole-owner initiative, or for consumption aims, etc. was not the major concern of the bank. The borrower must get all the

This study is about Investment Management System of Al-Arafah Islami Bank Limited (AIBL), Investments are operating by this bank with Islami sharia formula as no interest payment system but give profit from client deposit amount. Investment practice consists of some stage like Selection of the client, Application stage, Processing and appraisal, Sanctioning stage, Documentation stage, Disbursement stage, Monitoring & Recovery stage. It has been found that the investment process is lengthy and tiresome for the clients. AIBL investment process should become easier and should increase their investment ratio by reducing lengthy time process of investment and reducing required return on investment. It should also increase

It has been growing fast as one of the leaders of the new generation banks in the private sector in respect of business and profitability as it is evident from the financial statements for the last 10 years. The bank provides all kinds of commercial banking services to its customers. It offers deposit products like saving account, current account, STD, FDR. It offers commercial lending facilities which include Revolving L/C for the Import of Goods, Acceptance, and Bank Guarantee etc. as non-funded facilities. On the other hand the Bank offers Overdraft limit, LTR facility, Revolving LTR limit, Time Loan, Bill purchase etc.

PT. Bank Rakyat Indonesia (BRI) is the most profitable bank and the largest banks in Indonesia that specializes in Micro, Small and Medium Enterprises (MSME). The official website of BRI [1] reported, as of December 2014, BRI serves its customers through more than 10,000 outlets (divisions, main branch, sub branch, micro units), 150,000 electronic outlets (ATMs, CDMs, EDCs) and 120,000 professional employees that spreads all over Indonesia. Most of its customers; the recent data showed that BRIs customers reach approximately 55.7 million; are lower-middle income people such as land workers, fishermen, factory workers, small businesses and government employees. As one of the state-owned banks and a bank that has the widest network in Indonesia, BRI is always chosen by the government as an agency to distribute social aid funds and enacting social programs of the government in economic empowerment. To provide the best service for citizen that spread all over Indonesia, no doubt, that technologyinfrastructure and systems plays a very important role. With powerful and good technology provided by BRI, it ensures that all goals, as a business company and a government agent, will be achieved.

untuk berinvestasi di Indonesia. Dana masyarakat yang ada di bank-bank dalam negeri, sekarang ini paling tidak Rp 800 trilyun. Namun yang mampu diserap dunia usaha baru sekitar Rp 17 trilyun, padahal terdapat persetujuan penyaluran kredit dari perbankan sebesar Rp 70 trilyun. Di sisi pemerintah, dengan RAPBN 2002 yang telah disahkan, yang jelas nampak arah kontraksi ekonomi yang berlebihan. Untuk mendukung RAPBN tersebut pemerintah juga harus berjuang mati-matian untuk dapat mencapai asumsi-asumsi yang ditetapkan. Asumsi defist anggaran sebesar 2,5 persen dari Produk Domestik Bruto (PDB) atau sebesar Rp 42,1 trilyun, yang belum memasukkan komponen

Dalam dunia perbankan Teknologi Informasi dan Komunikasi adalah diterapkannya transaksi perbankan lewat internet atau dikenal dengan Internet Banking. Beberapa transaksi yang dapat dilakukan melalui Internet Banking antara lain transfer uang, pengecekan saldo, pemindahbukuan, pembayaran tagihan, dan informasi rekening.

(ii) Yang dimaksud dengan bank adalah sisa rekening giro perusahaan yang dapat dipergunakan secara bebas untuk membiayai kegiatan umum perusahaan. (iii) Pos-pos berikut ini tidak dapat digolongkan sebagai bagian dari kas dan bank pada neraca: dana yang disisihkan untuk tujuan tertentu; - persediaan perangko, - cek mundur, - cek kosong dari pihak ketiga, - rekening giro pada bank di luar negeri yang tidak dapat segera dipakai. (iv) Kas dan bank yang penggunaannya dibatasi dapat dimasukkan dalam aktiva lancar hanya jika pembatasan tersebut dilakukan untuk menyisihkan dana untuk melunasi kewajiban jangka pendek atau jika pembatasan tersebut hanya berlaku selama satu tahun. (v) Saldo kredit pada perkiraan bank disajikan pada kelompok kewajiban sebagai kewajiban jangka pendek. Saldo kredit dan debit rekening giro pada bank yang sama dapat digabung dan disajikan pada neraca sebagai satu kesatuan. (b) Surat-surat berharga yang mudah dijual dan tidak dimaksudkan untuk ditahan. (i) Surat berharga yang mudah dijual merupakan bentukpenyertaan sementara dalam rangka pemanfaatan dana yang tidak digunakan. (ii) Bentuk penyertaan sementara ini harus mempunyai sifat sebagai berikut: