tag:blogger.com,1999:blog-43798269751689531452024-03-19T16:01:09.929-07:00Indikator Keuangan Bank BCAAnonymoushttp://www.blogger.com/profile/11127348098090087834noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-4379826975168953145.post-11906215386284580152017-04-21T00:16:00.000-07:002017-04-21T00:16:57.389-07:00Perbandingan Perbankan dengan non Perbankan<div align="center" class="MsoNormal" style="text-align: center;">
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<span style="font-family: Times New Roman, serif;">Retno Raesita 20150410228</span></div>
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<span style="font-family: Times New Roman, serif;">Rosiana Chusnul 20150410261</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 18.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">TAHUN 2015/2016<o:p></o:p></span></div>
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<b><span style="font-family: "Times New Roman","serif";">PT. UNILEVER INDONESIA TBK<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Laporan Posisi Keuangan <o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Per 31 Desember 2015<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Dalam Bentuk Juaan Rupiah<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Aktiva<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Tahun
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<b><span style="font-family: "Times New Roman","serif";">Pasiva<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Tahun
2015<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Aset<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Hutang<o:p></o:p></span></b></div>
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<span style="font-family: "Times New Roman","serif";">Aset
Lancar<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif";">6.623.144<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif";">Hutang
Jangka Panjang<o:p></o:p></span></div>
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<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<span style="font-family: "Times New Roman","serif";">775.043<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif";">Aset
Tetap<o:p></o:p></span></div>
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<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<span style="font-family: "Times New Roman","serif";">9.106.831<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif";">Hutang
Jangka Pendek<o:p></o:p></span></div>
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<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<span style="font-family: "Times New Roman","serif";">10.127.542<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif";">Modal
Sendiri<o:p></o:p></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<span style="font-family: "Times New Roman","serif";">4.827.360<o:p></o:p></span></div>
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<b><span style="font-family: "Times New Roman","serif";">Total<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">15.729.945<o:p></o:p></span></b></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<b><span style="font-family: "Times New Roman","serif";">15.729.945<o:p></o:p></span></b></div>
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</tbody></table>
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<b><span style="font-family: "Times New Roman","serif";">BANK CIMB NIAGA<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Laporan Posisi Keuangan Tahun <o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Per 31 Desember 2015<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Dalam Bentuk Jutaan Rupiah<o:p></o:p></span></b></div>
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<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
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<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
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<b><span style="font-family: "Times New Roman","serif";">Aktiva<o:p></o:p></span></b></div>
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<b><span style="font-family: "Times New Roman","serif";">Tahun
2015<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">Pasiva<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">Tahun
2015<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b><span style="font-family: "Times New Roman","serif";">Aset<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b><span style="font-family: "Times New Roman","serif";">Hutang<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Aset
lancar<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<span style="font-family: "Times New Roman","serif";">150.163.840<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Hutang
Liabilitas<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 43.3pt; margin-right: 0cm; margin-top: 0cm;">
<span style="font-family: "Times New Roman","serif";">142.808.722<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Aset
Tetap<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<span style="font-family: "Times New Roman","serif";">2.257.139<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">Modal
Sendiri<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 50.35pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "Times New Roman","serif";">9.612.257<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">Total<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.5pt;" valign="top" width="154">
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: right;">
<b><span style="font-family: "Times New Roman","serif";">152.420.979<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 115.55pt;" valign="top" width="154">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 43.3pt; margin-right: 0cm; margin-top: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">152.420.979<o:p></o:p></span></b></div>
</td>
</tr>
</tbody></table>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">Perbandingan antara PT. Unilever dengan Bank Cimb
Niaga dalam laporan posisi keuangan <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">PT. Unilever
Indonesia memiliki aset lancar sebesar 42% dan aset tetap sebesar 53% dari
total 100% aktiva yang dimiliki<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">Bank Cimb Niaga memiliki aset lancar sebesar 98% dan aset
tetap sebesar 2% dari total 100% aktiva yang dimiliki<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">PT. Unilever Indonesia memiliki hutang jangka
panjang sebesar 5% dan hutang jangka pendek sebesar 65% dan modal sendiri sebesar 30% dari total
100% pasiva yang dimiliki<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">d.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">PT. Unilever Indonesia memiliki hutang liabilitas
sebesar 93% dan modal sendiri sebesar 7%
dari total 100% pasiva yang dimiliki<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div align="center" class="MsoNormal" style="line-height: normal; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">PT.
UNILEVER INDONESIA Tbk.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: normal; tab-stops: center 225.65pt left 287.05pt;">
<b><span style="font-family: "Times New Roman","serif";"> Laporan
Laba rugi <o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; tab-stops: center 225.65pt left 287.05pt; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">Periode 2015<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">(Dalam
bentuk jutaan rupiah)<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";"><br /></span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: 97.55pt; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 133.5pt;" valign="top" width="178">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">Pos<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 128.75pt;" valign="top" width="172">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">Tahun 2014<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 133.5pt;" valign="top" width="178">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Penjualan<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 128.75pt;" valign="top" width="172">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">36.511.534<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 133.5pt;" valign="top" width="178">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">BPP<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 128.75pt;" valign="top" width="172">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">(6.613.992)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 133.5pt;" valign="top" width="178">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Laba
Bruto<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 128.75pt;" valign="top" width="172">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">18.648.969<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 133.5pt;" valign="top" width="178">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Laba
Usaha<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 128.75pt;" valign="top" width="172">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">7.762.328<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 133.5pt;" valign="top" width="178">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Laba
sebelum Pajak<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 128.75pt;" valign="top" width="172">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">17.099.121<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 133.5pt;" valign="top" width="178">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Total
Laba Komprehensif<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 128.75pt;" valign="top" width="172">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">5.738.523<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="line-height: normal; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Cimb Niaga<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Laporan Laba Rugi<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">(dalam bentuk jutaan rupiah)<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><br /></span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: 104.65pt; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.55pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">Pos<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 120.5pt;" valign="top" width="161">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif";">Tahun 2015<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.55pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Pendapatan
operasional<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 120.5pt;" valign="top" width="161">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 58.4pt; margin-right: 0cm; margin-top: 0cm; text-align: center; text-indent: -58.4pt;">
<span style="font-family: "Times New Roman","serif";">2.129.884<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.55pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Beban
operasional<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 120.5pt;" valign="top" width="161">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">830.462<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.55pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Laba
operasional<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 120.5pt;" valign="top" width="161">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">2.958.240<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.55pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Laba
sebelum pajak<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 120.5pt;" valign="top" width="161">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">3.200.169<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.55pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Laba
tahun berjalan<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 120.5pt;" valign="top" width="161">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">1.893.887<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.55pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">Total
laba komprehensif<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 120.5pt;" valign="top" width="161">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif";">2.554.675<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">Besarnya Prosentase Dp-1 Dp-2 dan Dp-3 pada laporan
keuangan Bank cimb Niaga<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 35.45pt;">
<span style="font-family: "Times New Roman","serif";">Besarnya
prosentase Dp-1 Dp-2 dan Dp-3 dalam laporan keuangan Bank dapat dilihat pada
laporan posisi keuangan bagian pasiva<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 71.45pt; mso-add-space: auto; mso-list: l0 level1 lfo3; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">ยท<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">Untuk Dana pihak ke 1 yaitu Modal sendiri adalah
sebesar 7%<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 71.45pt; mso-add-space: auto; mso-list: l0 level1 lfo3; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">ยท<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">Untuk Dana pihak ke 2 yaitu pinjaman dari pihak lain
sebesar</span><span style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;"> </span><span style="font-family: "Times New Roman","serif";">9%<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 71.45pt; mso-add-space: auto; mso-list: l0 level1 lfo3; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">ยท<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif";">Untuk Dana pihak ke 3 yaitu simpanan dari nasabah
dan pihak lain </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;">84%</span><span style="font-family: "Times New Roman","serif";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 71.45pt; mso-add-space: auto; mso-list: l0 level1 lfo3; text-indent: -18.0pt;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";">Kesimpulan:
</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;"><o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;">Dari data diatas, dapat terlihat bahwa aset lanc</span><span style="font-family: "Times New Roman","serif";">a</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;">r pada
Bank Cimb Niaga lebih tinggi dari PT. Unilever,tetapi untuk aset tetap pada PT.
Unilever lebih tinggi jika dibandingkan dengan Bank Cimb Niaga.<o:p></o:p></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;">Hutang yang dimiliki Bank Cimb Niaga lebih tinggi jika
dibandingkan dengan hutang PT. Unilever, dan modal sendiri yang dimiliki PT.
Unilever </span><span style="font-family: "Times New Roman","serif";">dan </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;"> Bank Cimb Niaga</span><span lang="EN-US" style="font-family: "Times New Roman","serif";"> </span><span style="font-family: "Times New Roman","serif";">sama rendahnya<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">aktiva lancar / utang lancar = 150.163.841 / 150.163.840<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"> =
1<u><o:p></o:p></u></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Setiap Rp. 1 Hutang lancer,
dijamin dengan Rp. 1 Aktiva Lancar<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">Untuk
laporan keuangan Bank Cimb Niaga adalah sebagaiberikut<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">150.163.840
/ 142.808.722 = 1,05%<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><br /></span></div>
<div class="MsoNormal">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; mso-ansi-language: EN-US;">Setiap Rp. 1 hutang dijamin dengan Rp. 1,05 aktiva lancer</span><span style="font-family: "Times New Roman","serif";"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";">Mencari LDR,
CAR, dan BOPO: <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";">LDR = Pembiayaan / Dp-3 = 142.808.722 /
150.163.840<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";"> = 95%<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";">CAR = Modal / Utang = 9.612.257 / 142.808.722<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";"> = 6,73%</span><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;">BOPO
= Biaya opersional / pembiayaan operasional = 830.462 / 2.958.240<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"> = 28%<o:p></o:p></span></div>
<div class="MsoNormal">
</div>
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/11127348098090087834noreply@blogger.com0tag:blogger.com,1999:blog-4379826975168953145.post-35390831570478184552017-03-16T21:14:00.001-07:002017-03-16T21:14:13.305-07:00<div style="text-align: center;">
<b>Manajaemen Perbankan</b></div>
<div style="text-align: center;">
<b>Produk Perbankan dan Deskripsi Jabatan</b></div>
<div style="text-align: center;">
<b><br /></b></div>
<div style="text-align: center;">
<b>Dosen : Gita Danupranata, SE., M.M.</b></div>
<div style="text-align: center;">
<b><br /></b></div>
<div style="text-align: center;">
<b><br /></b></div>
<div style="text-align: center;">
<b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAiedL0EvgtXbg8Pdh2IdtfEbwDYPYZfGE_KO3bE30qViBA6bk2F_E_nKo7-zWNThpfu-cjwA-OLqq4MQq24m6i6RSxWJhXn_eb_fI-eLO-Sz56lbUSX-Bc1otvXQ6skvZ18MV9mLkvbE/s1600/logo-umy-hitam-putih.jpg" imageanchor="1"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAiedL0EvgtXbg8Pdh2IdtfEbwDYPYZfGE_KO3bE30qViBA6bk2F_E_nKo7-zWNThpfu-cjwA-OLqq4MQq24m6i6RSxWJhXn_eb_fI-eLO-Sz56lbUSX-Bc1otvXQ6skvZ18MV9mLkvbE/s400/logo-umy-hitam-putih.jpg" /></a></b></div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
Disusun Oleh :</div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
Nor Fitria Vebriani (20150410215)</div>
<div style="text-align: center;">
Rosiana Chusnul (2015041216)</div>
<div style="text-align: center;">
Pertiwi Sari W (20150410225)</div>
<div style="text-align: center;">
Retno Raesita (20150410228)</div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
Program Studi Manajemen </div>
<div style="text-align: center;">
Fakultas Ekonomi & Bisnis</div>
<div style="text-align: center;">
Universitas Muhammadiyah Yogyakarta </div>
<div style="text-align: center;">
Tahun 2017</div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 90.45pt;" valign="top" width="121">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">Core / Inti Produk<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 184.3pt;" valign="top" width="246">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">Syariah<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 187.35pt;" valign="top" width="250">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">Konvensional <o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 90.45pt;" valign="top" width="121">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">Penghimpunan <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 184.3pt;" valign="top" width="246">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Tahapan IB<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Tahapan rencana IB<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Giro IB<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Deposit IB<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Simpanan pelajar (Simpel) IB<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 187.35pt;" valign="top" width="250">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo5; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Giro<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo5; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Tabungan <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo5; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Deposito<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 90.45pt;" valign="top" width="121">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">Penyaluran<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 184.3pt;" valign="top" width="246">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">1. Pembiayaan modal kerja IB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">2. pembiayaan investasi IB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">3. Pembiayaan UMKM Bina Usaha Rakyat (BUR)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">4. KPR IB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">5. KKB IB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">6. EMAS IB<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 187.35pt;" valign="top" width="250">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">1. auto debit<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">2. safe deposit box<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">3. transfer<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">4. remittance<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">5. Bank notes<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">6. collection & clearing<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">7. trevellerโs cheque<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">8. BCA virtual Account<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">9. open payment<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">10. payroll Services<o:p></o:p></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 90.45pt;" valign="top" width="121">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span lang="IN" style="color: black; mso-themecolor: text1;">Jasa Layanan<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 184.3pt;" valign="top" width="246">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Bank Garansi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Kiriman uang (Retail dan
RTGS<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Klearing (lokal dan
intercity)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Inkaso<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Safe deposit box (SDB)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Pembayaran gaji<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 19.95pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-themecolor: text1;">Referensi Bank<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 187.35pt;" valign="top" width="250">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<strong><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></strong><strong><span lang="IN" style="background: #F6F6F6; color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Letter of Authorization/LoA (Giro Valas)</span></strong><strong><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><o:p></o:p></span></strong></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<strong><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></strong><strong><span lang="IN" style="background: #F6F6F6; color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Cek/Bilyet Giro (Giro IDR)</span></strong><strong><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><o:p></o:p></span></strong></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<strong><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></strong><strong><span lang="IN" style="background: #F6F6F6; color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Laporan Rekening Bulanan</span></strong><strong><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><o:p></o:p></span></strong></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<strong><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></strong><strong><span lang="IN" style="background: #F6F6F6; color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">BCA by Phone</span></strong><strong><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><o:p></o:p></span></strong></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Non-Automatic
Roll Over (Non-ARO</span><span lang="IN" style="color: black; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Automatic
Roll Over Plus (ARO Plus)</span><span lang="IN" style="color: black; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Automatic
Roll Over (ARO),</span><span lang="IN" style="color: black; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Tahapan
gold</span><span lang="IN" style="color: black; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo6; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">BCA
dollar </span><span lang="IN" style="color: black; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify;">
<br /></div>
</td>
</tr>
</tbody></table>
</div>
<div class="MsoListParagraph" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; tab-stops: 0in; text-align: justify; text-indent: -.5in; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1; text-transform: uppercase;">1. syariah<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1; text-transform: uppercase;">A. PEnghimpunAN<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; mso-outline-level: 1; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;">Tahapan iB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-tab-count: 1;"> </span>Tahapan iB adalah
rekening tabungan yang menyediakan berbagai manfaat yang memudahkan Anda dalam
transaksi perbankan berdasarkan prinsip <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">Wadiah</span> (titipan)
atau <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">Mudharabah</span> (bagi hasil).<o:p></o:p></span></div>
<div class="MsoListParagraph" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; mso-outline-level: 1; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;">Tahapan
Rencana iB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Tahapan Rencana iB merupakan tabungan investasi yang berdasarkan
prinsip <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">mudharabah</span> untuk membantu perencanaan keuangan nasabah<o:p></o:p></span></div>
<div class="MsoListParagraph" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; mso-outline-level: 1; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;">Giro iB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Layanan perbankan BCA Syariah siap membantu kelancaran usaha Anda. Bisnis
Anda pun akan berkembang dengan Giro iB yang multiguna dan ekstra manfaat
berdasarkan prinsip <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">Wadiah</span> (titipan).<o:p></o:p></span></div>
<div class="MsoListParagraph" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; mso-outline-level: 1; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;">Deposito
iB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Deposito iB adalah cara terbaik untuk berinvestasi dengan bagi hasil yang
kompetitif. Deposito iB memberikan manfaat berdasarkan prinsip <span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">Mudharabah</span> (bagi hasil).<o:p></o:p></span></div>
<div class="MsoListParagraph" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; mso-outline-level: 1; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-font-kerning: 18.0pt; mso-themecolor: text1;">Simpanan
Pelajar (SimPel) iB<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Simpanan
Pelajar (SimPel) iB adalah tabungan untuk siswa dengan persyaratan mudah dan
sederhana serta fitur yang menarik dalam rangka edukasi dan inklusi keuangan
untuk mendorong budaya menabung sejak dini.<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-themecolor: text1; text-transform: uppercase;">B. PEMBIAYAAN<o:p></o:p></span></div>
<h1 style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan Modal Kerja iB<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Merupakan pembiayaan berdasarkan
prinsip syariah untuk membantu usaha nasabah dalam memenuhi kebutuhan modal
kerja seperti penyediaan barang dagangan, bahan baku dan kebutuhan modal kerja
lainnya.<o:p></o:p></span></div>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; mso-list: l6 level1 lfo4; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan modal kerja murahabah<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan modal kerja<span class="apple-converted-space"> </span><em><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">murabahah</span></em><span class="apple-converted-space"> </span>adalah produk penyaluran dana dimana
BCA Syariah membiayai pembelian barang-barang kebutuhan modal kerja yang
diperlukan oleh Nasabah sebesar harga pokok ditambah dengan margin keuntungan
bank yang disepakati.<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: 16.5pt; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l6 level1 lfo4; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-themecolor: text1;">Pembiayaan modal kerja mudharabah BCA Syariah<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: 16.5pt; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="color: black; mso-bidi-font-family: Arial; mso-themecolor: text1;">Pembiayaan modal kerja<span class="apple-converted-space"> </span><em><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">Mudharabah</span></em><span class="apple-converted-space"> </span>adalah produk penyaluran dana dimana
BCA Syariah membiayai<span class="apple-converted-space"> </span><strong><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">seluruh</span></strong><span class="apple-converted-space"> </span>kebutuhan modal kerja yang dibutuhkan
nasabah dengan menggunakan metode bagi untung dan rugi (<em><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">gross profit
and loss sharing</span></em>) berdasarkan nisbah yang telah disepakati
sebelumnya.</span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-themecolor: text1;"><o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; mso-list: l6 level1 lfo4; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan modal kerja musyarakah BCA
syariah <o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan modal kerja<span class="apple-converted-space"> </span><em><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">musyarakah</span></em><span class="apple-converted-space"> </span>adalah produk penyaluran dana dimana BCA
Syariah membiayai<span class="apple-converted-space"> </span><strong><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">sebagian</span></strong><span class="apple-converted-space"> </span>kebutuhan modal kerja nasabah dengan
menggunakan metode bagi untung dan rugi (gross<span class="apple-converted-space"> </span><em><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">profit and loss sharing</span></em>) berdasarkan
nisbah yang telah disepakati sebelumnya.<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan Investasi iB<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan Investasi iB adalah pembiayaan
investasi yang bertujuan untuk rehabilitasi, modernisasi, serta ekspansi dari
usaha-usaha produktif seperti pembiayaan pembelian/pembangunan tempat usaha,
pembelian mesin, serta kendaraan kendaraan operasional<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan UMKM Bina Usaha
Rakyat (BUR)<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan UMKM Bina Usaha Rakyat (BUR)
merupakan pembiayaan investasi dan/atau modal kerja berdasarkan prinsip syariah
dengan akad jual beli (<span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;">murabahah</span>) untuk membantu pelaku usaha
mikro, kecil dan menengah dalam pengembangan usaha.<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">KPR iB<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan KPR iB adalah pembiayaan
berdasarkan prinsip Murabahah dimana BCA Syariah membiayai pembelian
rumah/apartemen yang diperlukan oleh Nasabah sebesar harga pokok ditambah
dengan margin keuntungan bank yang disepakati.<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">KKB iB<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembiayaan KKB adalah pembiayaan berdasarkan
prinsip<span class="apple-converted-space"> </span><em><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">Murabahah</span></em><span class="apple-converted-space"><span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;"> </span></span>dimana<span class="apple-converted-space"><span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;"> </span></span>Bank<span class="apple-converted-space"><span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0in; padding: 0in;"> </span></span>BCA Syariah
membiayai pembelian kendaraan bermotor yang diperlukan oleh Nasabah sebesar
harga pokok ditambah dengan margin keuntungan bank yang disepakati.<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">EMAS iB<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Emas BCA Syariah iB (EMAS iB) adalah
produk pembiayaan kepada Nasabah untuk kepemilikan Logam Mulia (Emas) dengan
akad jual beli (murabahah)<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; mso-themecolor: text1; text-transform: uppercase;">c. JASA<o:p></o:p></span></div>
<h1 style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Bank Garansi<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Bank Garansi adalah garansi yang
diterbitkan secara tertulis oleh bank yang mengakibatkan kewajiban membayar
terhadap pihak yang menerima garansi apabila pihak yang dijamin (nasabah)
wanprestasi dimana jenis akad yang digunakan adalah<span class="apple-converted-space"> </span><em><span style="border: none windowtext 1.0pt; font-family: "Calibri","sans-serif"; font-style: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-hansi-theme-font: minor-latin; padding: 0in;">Kafalah</span></em><o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Kiriman Uang (Retail dan
RTGS)<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Merupakan jasa yang diberikan BCA
Syariah untuk mewakili nasabah dalam pemindahan dana ke rekening tujuan dengan
didukung oleh Sistem Kliring Nasional (SKN) dan BI-RTGS<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Kliring (Lokal dan
Intercity Clearing)<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Merupakan jasa yang diberikan BCA
Syariah untuk mewakili nasabah dalam pertukaran warkat elektronik antarbank<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Inkaso<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Merupakan jasa yang diberikan BCA
Syariah untuk mewakili nasabah dalam menagihkan warkat kepada bank tertarik<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Safe Deposit Box (SDB)<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Merupakan jasa BCA Syariah menyewakan
tempat penyimpanan barang dengan ukuran tertentu kepada nasabah dengan sistem
keamanan terjamin.<o:p></o:p></span></div>
<h1 style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; font-weight: normal; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Pembayaran Gaji<o:p></o:p></span></h1>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Merupakan jasa BCA Syariah untuk
mewakili nasabah dalam pembayaran gaji kepada karyawan-karyawannyan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: -14.2pt; mso-add-space: auto; mso-list: l7 level1 lfo9; text-align: justify; text-indent: -.25in;">
<b><span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b><span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">Penghimpunan<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">Giro BCA<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">merupakan produk
yang fleksibel dan memiliki berbagai fasilitas yang disesuaikan dengan tren
kebutuhan nasabah bisnis saat ini. Produk ini akan menunjang kelancaran bisnis
yang memiliki transaksi finansial sangat aktif.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">tabungan</span><span lang="IN" style="color: black; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">merupakan tabungan yang dkhususkan
untuk perorangan dengan persyaratan mudah dan ringan. Diterbitkan secara
bersama oleh bank-bank di Indonesia, TabunganKu hadir untuk menumbuhkan budaya
menabung serta meningkatkan kesejahteraan masyarakat dan tidak dikenakan biaya
administrasi bulanan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">Deposito </span><span lang="IN" style="color: black; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; text-align: justify;">
<span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">Cocok untuk seseorang yang berniat menyisihkan sebagian tabungan untuk
berinvestasi, maka Deposito BCA dapat menjadi salah satu pilihan. Uang akan
bekerja dengan sendirinya. Dengan pilihan jangka waktu dan bunga yang
kompetitif, Deposito BCA menjadi pilihan investasi yang tepat.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: -14.2pt; mso-add-space: auto; mso-list: l7 level1 lfo9; text-align: justify; text-indent: -.25in;">
<b><span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b><span lang="IN" style="color: black; mso-themecolor: text1;">Penyaluran<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-list: l4 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Auto debit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="background: #FBFAFB; color: black; mso-themecolor: text1;">Autodebet merupakan
cara pembayaran angsuran yang paling mudah. Anda cukup mendaftarkan rekening
Bank BCA Anda yang akan digunakan untuk membayar angsuran. Selanjutnya setiap
bulan Anda cukup menyediakan dana untuk pembayaran angsuran, paling lambat dana
disediakan satu hari (H-1) sebelum tanggal pembayaran angsuran/jatuh tempo.</span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-list: l4 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Safe Deposit Box<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="background: white; color: black; mso-bidi-font-family: Arial; mso-themecolor: text1;">Merupakan jasa BCA yaitu, menyewakan tempat penyimpanan barang dengan
ukuran tertentu kepada nasabah dengan sistem keamanan terjamin.</span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-list: l4 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Transfer<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">ATM yang merupakan
singkatan dari Automated Teller Machine bisa dikatakan sebagai kebutuhan primer
dalam hal transaksi dan penarikan uang. Untuk itu, BCA memperluas jaringan
ATM-nya agar semua nasabah di seluruh Indonesia bisa menikmati layanan
perbankan.</span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-list: l4 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Remittance<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">Aktivitas impor
anda harus didukung dengan bank handal yang berpengalaman dalam transaksi
pengiriman valas dengan jaringan korespondesi yang luas ke seluruh dunia.
Kelancaran transaksi kiriman valas sangat mendukung kelancaran bisnis anda.
Remittance BCA dengan produk Outward Remittance melayani kiriman uang valas ke
luar negeri dengan cepat, aman, dan mudah.</span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-list: l4 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Bank Notes<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 150%; margin-left: 0in; mso-add-space: auto; mso-background-themecolor: background1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="background: #F6F6F6; color: black; mso-themecolor: text1;">dalah kurs Bank
Notes (transaksi uang kertas asing) atau kurs TT (transaksi pindah buku).</span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: -14.2pt; mso-add-space: auto; mso-list: l7 level1 lfo9; text-align: justify; text-indent: -.25in;">
<b><span lang="IN" style="color: black; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-themecolor: text1;"><span style="mso-list: Ignore;">C.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b><span lang="IN" style="color: black; mso-themecolor: text1;">Layanan jasa<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Letter of Authorization/LoA (Giro
Valas)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Anda dapat melakukan penarikan
rekening setiap saat dengan menggunakan sarana Letter of Authorisation(LoA). LoA
tidak dapat digunakan sebagai alat pembayaran/ dipindahtangankan sehingga aman
bagi Anda.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Cek/Bilyet Giro (Giro IDR)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 7.5pt; text-align: justify;">
<span lang="IN" style="background: white; color: black; mso-themecolor: text1;">Bilyet
Giro adalah salah satu metode pencairan uang dan pembayaran yang berlaku pada
rekening giro. Selain bilyet giro (BG), Cek menjadi salah satu instrumen lain
yang cukup populer.<span class="apple-converted-space"> <o:p></o:p></span></span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Laporan Rekening Bulanan<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 7.5pt; text-align: justify;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Setiap bulan, Anda akan menerima rekening koran yang
dapat diambil di kantor cabang BCA atau dikirim ke alamat sesuai permintaan
Anda.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">BCA by PHONE<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 7.5pt; text-align: justify;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Giro BCA dilengkapi dengan layanan BCA By Phone yang
memungkinkan nasabah mendapatkan informasi yang berhubungan dengan rekening
Giro Anda.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 0in; mso-list: l8 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 10.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Non-Automatic Roll Over (Non-ARO)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-spacerun: yes;"> </span>Deposito berjangka yang berakhir pada akhir
jangka waktu yang diperjanjikan.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 0in; mso-list: l8 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 10.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Automatic Roll Over (ARO)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">perpanjangan Deposito secara
otomatis untuk jangka waktu yang sama tanpa pemberitahuan atau penegasan lebih
lanjut dari deposan<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 0in; mso-list: l8 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 1.5in; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 10.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">Automatic Roll Over Plus (ARO
Plus)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-spacerun: yes;"> </span>Deposito berjangka yang secara otomatis
diperpanjang untuk jangka waktu yang sama tanpa pemberitahuan atau penegasan
lebih lanjut dari deposan dan bunganya akan menambah nominal pada setiap kali
perpanjangan<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 0in; mso-list: l3 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 10.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: IN; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">kartu BCA Dollar<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span lang="IN" style="color: black; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; mso-themecolor: text1;">memungkinkan Anda untuk melakukan
transaksi di ATM BCA yang tersebar di seluruh Indonesia. dengan dapat melakukan
setoran maupun tarikan dengan bank notes USD/SGD dengan kondisi 1 : 1 sampai
dengan limit tertentu, sesuai dengan syarat dan ketentuan yang berlaku.<o:p></o:p></span></div>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -.25in; vertical-align: baseline;">
<span lang="IN" style="color: black; font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-themecolor: text1;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Tahapan Gold<o:p></o:p></span></div>
<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<span lang="IN" style="background: #F6F6F6; color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin; mso-themecolor: text1;">Tahapan
ini biasa digunakan oleh para nasabah pebisnis memerlukan fitur tambahan yang dapat
mengakomodir segala keperluan mereka sesuai dengan bisnis yang dimiliki.
Karenanya, BCA menawarkan produk Tahapan BCA yang dikhususkan bagi para
pebisnis, yakni Tahapan Gold<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<b><span lang="IN">Tugas dan Tanggung Jawab Dewan Komisaris Tugas dan Tanggung Jawab Dewan
Komisaris, antara lain: <o:p></o:p></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">1. Melakukan pengawasan atas kebijakan pengurusan BCA, jalannya
pengurusan pada umumnya, dan memberi nasihat kepada Direksi. Pengawasan oleh
Dewan Komisaris dilakukan untuk kepentingan BCA sesuai dengan maksud dan tujuan
serta Anggaran Dasar BCA. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">2. Memastikan terselenggaranya pelaksanaan prinsip-prinsip tata kelola
perusahaan ('OOD#ORPORATE'OVERNANCE) dalam setiap kegiatan usaha BCA pada
seluruh tingkatan atau jenjang organisasi BCA.<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">3. Mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan
strategis BCA. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">4. Memastikan bahwa Direksi telah menindaklanjuti temuan audit dan
rekomendasi dari Divisi Audit Internal, Auditor Eksternal, hasil pengawasan
pihak otoritas termasuk namun tidak terbatas pada Otoritas Jasa Keuangan, Bank
Indonesia, dan/atau Bursa Efek Indonesia. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">5. Memberitahukan kepada Otoritas Jasa Keuangan/Bank Indonesia paling
lambat 7 (tujuh) hari kerja sejak ditemukan pelanggaran peraturan perundangundangan
di bidang keuangan dan perbankan, dan keadaan atau perkiraan keadaan yang dapat
membahayakan kelangsungan usaha BCA.<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN"><span style="mso-spacerun: yes;"> </span>6. Membentuk: a. Komite Audit;
b. Komite Pemantau Risiko; dan c. Komite Remunerasi dan Nominasi; <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">7. Memastikan bahwa Komite-Komite yang telah dibentuk Dewan Komisaris
telah menjalankan tugasnya secara efektif. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">8. Menyediakan waktu yang cukup untuk melaksanakan tugas dan tanggung
jawabnya secara optimal. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">9. Menyelenggarakan rapat Dewan Komisaris secara berkala, paling kurang
4 (empat) kali dalam setahun. Rapat Dewan Komisaris wajib dihadiri oleh seluruh
anggota Dewan Komisaris secara fisik paling kurang 2 (dua) kali dalam setahun. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">10. Membuat risalah rapat Dewan Komisaris, dan ditandatangani oleh
seluruh anggota Dewan Komisaris yang hadir dalam rapat Dewan Komisaris. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">11. Mendistribusikan salinan risalah rapat Dewan Komisaris kepada
seluruh anggota Dewan Komisaris dan pihak yang terkait. <o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<span lang="IN">12. Menyampaikan laporan tentang tugas pengawasan yang telah dilakukan
selama tahun buku sebelumnya kepada RUPS Tahunan<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; text-align: justify;">
<b><span lang="IN" style="mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Tugas teller<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l9 level1 lfo10; tab-stops: list .5in; text-align: justify; text-indent: -28.9pt; vertical-align: baseline;">
<span lang="IN" style="color: #474747; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: IN;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: #474747; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Seorang Teller yang baik harus datang tepat waktu sesuai jam masuk,
memastikan semua perlengkapan berfungsi baik(alat penghitung uang, alat pngecek
uang palsu bulpen, dsb).<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l9 level1 lfo10; tab-stops: list .5in; text-align: justify; text-indent: -28.9pt; vertical-align: baseline;">
<span lang="IN" style="color: #474747; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: IN;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: #474747; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Jika ada nasabah maka harus bersikap ramah, memberi greeting (selamat
pagi/siang/sore, mengucapkan terima kasih jika sudah selesai), memberi senyum
di awal dan akhir pertemuan.<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l9 level1 lfo10; text-align: justify; text-indent: -28.9pt; vertical-align: baseline;">
<span lang="IN" style="color: #474747; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: IN;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: #474747; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Menjaga penampilan berbusana sesuai standar bank (meja kerja, baju rapi,
rambut rapi, mengenakan ID card, dsb.)<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l9 level1 lfo10; text-align: justify; text-indent: -28.9pt; vertical-align: baseline;">
<span lang="IN" style="color: #474747; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: IN;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: #474747; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Jika ada nasabah ingin setor/tarik tunai maka teller wajib menghitung uang,
mengkonfirmasikan jumlah uang kepada nasabah, melakukan perhitungan uang di
depan nasabah<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l9 level1 lfo10; text-align: justify; text-indent: -28.9pt; vertical-align: baseline;">
<span lang="IN" style="color: #474747; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: IN;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: #474747; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Melakukan pembayaran non tunai/tunai kepada nasabah yang bertransaksi non
tunai/tunai di counter bank, dan melakukan update data transaksi di sistem
komputer bank.<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l9 level1 lfo10; text-align: justify; text-indent: -28.9pt; vertical-align: baseline;">
<span lang="IN" style="color: #474747; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: IN;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: #474747; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Setelah selesai proses setor/tarik tunai teller wajib memberikan slip
kuitansi kepada nasabah yang dan menandatanganinya sebagai tanda tangan
pengesahan<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l9 level1 lfo10; text-align: justify; text-indent: -28.9pt; vertical-align: baseline;">
<span lang="IN" style="color: #474747; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-language: IN;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span lang="IN" style="color: #474747; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Bertanggungjawab terhadap kesesuaian antara jumlah kas di sistem dengan kas
di terminalnya.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
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<div style="line-height: 150%; margin-bottom: 11.25pt; margin-left: 0in; margin-right: 0in; margin-top: 0in; text-align: justify; vertical-align: baseline;">
<br /></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 35.45pt; text-align: justify;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/11127348098090087834noreply@blogger.com0tag:blogger.com,1999:blog-4379826975168953145.post-46256130400876095862017-03-03T05:09:00.000-08:002017-03-03T05:09:39.614-08:00<div style="text-align: center;">
MANAJEMEN PERBANKAN </div>
<div style="text-align: center;">
INDIKATOR KINERJA PERBANKAN DALAM 5 TAHUN</div>
<div style="text-align: center;">
dan</div>
<div style="text-align: center;">
STATUS HUKUM BERBAGAI BANK DI INDONESIA</div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
Dosen : Gita Danuprananta, S.E.,M.M.</div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXQQ4Z-FKpgMF1bGW6gK0RSMdilAkgunw5PgMuv5_obpjug3dNah5Z1fXoXR8OurxxY9W7rk_qmEQhVD5Q9Xd2kcyVDZs7Klenxvw3-4SIrrlbKIZFKfiZrPp6MrQ2O-Jy3-J8JcKGVTM/s1600/logo.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="312" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXQQ4Z-FKpgMF1bGW6gK0RSMdilAkgunw5PgMuv5_obpjug3dNah5Z1fXoXR8OurxxY9W7rk_qmEQhVD5Q9Xd2kcyVDZs7Klenxvw3-4SIrrlbKIZFKfiZrPp6MrQ2O-Jy3-J8JcKGVTM/s320/logo.png" width="320" /></a></div>
<br />
<div style="text-align: center;">
</div>
<br />
<br />
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: center;">
Disusun oleh:</div>
<br />
<ol>
<li>Nor Fitria Vebriani 20150410215</li>
<li>Rosiana Chusnul 20150410216</li>
<li>Pertiwi Sari W 20150410225</li>
<li>Retno Raesita 20150410228</li>
</ol>
<div style="text-align: center;">
FAKULTAS EKONOMI DAN BISNIS</div>
<div style="text-align: center;">
PRODI MANAJEMEN</div>
<div style="text-align: center;">
UNIVERSITAS MUHAMMADIYAH YOGYAKARTA</div>
<div style="text-align: center;">
TAHUN 2017</div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: justify;">
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<![endif]-->
</div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">INDIKATOR
KEUANGAN BANK BCA</span></b></li>
</ul>
<div class="MsoNormal">
<a href="http://www.bca.co.id/"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">www.bca.co.id</span></b></a><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableMediumShading2Accent6" style="border-collapse: collapse; border: none; mso-border-bottom-alt: solid windowtext 2.25pt; mso-border-top-alt: solid windowtext 2.25pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: -1;">
<td style="background: #F79646; border-bottom: solid windowtext 2.25pt; border-left: none; border-right: none; border-top: solid windowtext 2.25pt; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 517; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">Dalam miliar rupiah</span></b></div>
</td>
<td style="background: #F79646; border-bottom: solid windowtext 2.25pt; border-left: none; border-right: none; border-top: solid windowtext 2.25pt; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 1; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">2011</span></b></div>
</td>
<td style="background: #F79646; border-bottom: solid windowtext 2.25pt; border-left: none; border-right: none; border-top: solid windowtext 2.25pt; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 1; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">2012</span></b></div>
</td>
<td style="background: #F79646; border-bottom: solid windowtext 2.25pt; border-left: none; border-right: none; border-top: solid windowtext 2.25pt; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 1; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">2013</span></b></div>
</td>
<td style="background: #F79646; border-bottom: solid windowtext 2.25pt; border-left: none; border-right: none; border-top: solid windowtext 2.25pt; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 1; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">2014</span></b></div>
</td>
<td style="background: #F79646; border-bottom: solid windowtext 2.25pt; border-left: none; border-right: none; border-top: solid windowtext 2.25pt; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 1; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">2015</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 0;">
<td style="background: #F79646; border: none; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 68; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">Asset</span></b></div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
381.908</div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
442.994</div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
496.849</div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
553.156</div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
594.373</div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="background: #F79646; border: none; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 4; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">DPK</span></b></div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
323.428</div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
370.274</div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
409.486</div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
447.906</div>
</td>
<td style="border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
473.666</div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background: #F79646; border: none; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 68; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">Kredit</span></b></div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
198,440</div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
252,761</div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
306,679</div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
339,859</div>
</td>
<td style="background: #D8D8D8; border: none; mso-background-themecolor: background1; mso-background-themeshade: 216; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: center;">
378,616</div>
</td>
</tr>
<tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
<td style="background: #F79646; border-bottom: solid windowtext 2.25pt; border: none; mso-background-themecolor: accent6; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 4; text-align: center;">
<b><span style="color: white; mso-themecolor: background1;">NPL</span></b></div>
</td>
<td style="border-bottom: solid windowtext 2.25pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
0,2%</div>
</td>
<td style="border-bottom: solid windowtext 2.25pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
0,2%</div>
</td>
<td style="border-bottom: solid windowtext 2.25pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
0,2%</div>
</td>
<td style="border-bottom: solid windowtext 2.25pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
0,2%</div>
</td>
<td style="border-bottom: solid windowtext 2.25pt; border: none; padding: 0in 5.4pt 0in 5.4pt; width: 79.8pt;" valign="top" width="106">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
0,2%</div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 14.0pt; line-height: 115%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">ยท<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 14.0pt; line-height: 115%;">KESIMPULAN</span></b></div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">ASET</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Aset
yang dimiliki oleh bank BCA setiap tahunnya meningkat yang menunjukan bahwa
kekayaan bank terus bertambah</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">DPK</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dana
yang dihimpun dari para nasabah bank BCA selalu meningkat, yang artinya masyarakat
antusias untuk menyetorkan dana kepada bank BCA.</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">NPL</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kredit
macet yang dialami bank BCA setiap tahunnya tidak mengalami kenaikan maupun
penurunan atau stabil.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableMediumShading1Accent6" style="border-collapse: collapse; border: none; mso-border-alt: solid #F9B074 1.0pt; mso-border-themecolor: accent6; mso-border-themetint: 191; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: -1;">
<td style="background: #F79646; border-right: none; border: solid #F9B074 1.0pt; mso-background-themecolor: accent6; mso-border-themecolor: accent6; mso-border-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 5; text-align: center;">
<b><span style="color: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-themecolor: background1;">BANK KONVENSIONAL</span></b></div>
</td>
<td style="background: #F79646; border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: none; border-top: solid #F9B074 1.0pt; mso-background-themecolor: accent6; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 1; text-align: center;">
<b><span style="color: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-themecolor: background1;">BANK UMUM SYARIAH</span></b></div>
</td>
<td style="background: #F79646; border-left: none; border: solid #F9B074 1.0pt; mso-background-themecolor: accent6; mso-border-themecolor: accent6; mso-border-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 1; text-align: center;">
<b><span style="color: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-themecolor: background1;">UNIT USAHA SYARIAH</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 0;">
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border-left: solid #F9B074 1.0pt; border-right: none; border-top: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-left-themecolor: accent6; mso-border-left-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 68; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">BCA</span></div>
</td>
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Muamalat Indonesia</span></div>
</td>
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: solid #F9B074 1.0pt; border-top: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-right-themecolor: accent6; mso-border-right-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Tabungan Negara</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-bottom: solid #F9B074 1.0pt; border-left: solid #F9B074 1.0pt; border-right: none; border-top: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-left-themecolor: accent6; mso-border-left-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 132; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">MANDIRI</span></div>
</td>
<td style="border-bottom: solid #F9B074 1.0pt; border: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 128; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Syariah Mandiri</span></div>
</td>
<td style="border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: solid #F9B074 1.0pt; border-top: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-right-themecolor: accent6; mso-border-right-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 128; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank CIMB Niaga</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border-left: solid #F9B074 1.0pt; border-right: none; border-top: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-left-themecolor: accent6; mso-border-left-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 68; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">BRI</span></div>
</td>
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank BRI Syariah</span></div>
</td>
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: solid #F9B074 1.0pt; border-top: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-right-themecolor: accent6; mso-border-right-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Danamon Indonesia</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-bottom: solid #F9B074 1.0pt; border-left: solid #F9B074 1.0pt; border-right: none; border-top: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-left-themecolor: accent6; mso-border-left-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 132; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">BNI</span></div>
</td>
<td style="border-bottom: solid #F9B074 1.0pt; border: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 128; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank BNI Syariah</span></div>
</td>
<td style="border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: solid #F9B074 1.0pt; border-top: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-right-themecolor: accent6; mso-border-right-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 128; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank IFI</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border-left: solid #F9B074 1.0pt; border-right: none; border-top: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-left-themecolor: accent6; mso-border-left-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 68; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">CIMB Niaga</span></div>
</td>
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Mega Syariah</span></div>
</td>
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: solid #F9B074 1.0pt; border-top: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-right-themecolor: accent6; mso-border-right-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Permata</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-bottom: solid #F9B074 1.0pt; border-left: solid #F9B074 1.0pt; border-right: none; border-top: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-left-themecolor: accent6; mso-border-left-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 132; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">Bukopin</span></div>
</td>
<td style="border-bottom: solid #F9B074 1.0pt; border: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 128; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Panin Syariah</span></div>
</td>
<td style="border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: solid #F9B074 1.0pt; border-top: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-right-themecolor: accent6; mso-border-right-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 128; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Sinar Mas</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border-left: solid #F9B074 1.0pt; border-right: none; border-top: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-left-themecolor: accent6; mso-border-left-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 68; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">BTN</span></div>
</td>
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank BCA Syariah</span></div>
</td>
<td style="background: #FDE4D0; border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: solid #F9B074 1.0pt; border-top: none; mso-background-themecolor: accent6; mso-background-themetint: 63; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-right-themecolor: accent6; mso-border-right-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 64; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Aceh</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td style="border-bottom: solid #F9B074 1.0pt; border-left: solid #F9B074 1.0pt; border-right: none; border-top: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-left-themecolor: accent6; mso-border-left-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 132; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">Danamon</span></div>
</td>
<td style="border-bottom: solid #F9B074 1.0pt; border: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 128; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. Bank Syariah Bukopin</span></div>
</td>
<td style="border-bottom: solid #F9B074 1.0pt; border-left: none; border-right: solid #F9B074 1.0pt; border-top: none; mso-border-bottom-themecolor: accent6; mso-border-bottom-themetint: 191; mso-border-right-themecolor: accent6; mso-border-right-themetint: 191; mso-border-top-alt: solid #F9B074 1.0pt; mso-border-top-themecolor: accent6; mso-border-top-themetint: 191; padding: 0in 5.4pt 0in 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-yfti-cnfc: 128; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">PT. BPD Yogyakarta</span></div>
</td>
</tr>
</tbody></table>
<br /><br />
<div style="text-align: center;">
</div>
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