INDUSTRI KEUANGAN NON BANK (IKNB)_Bab Lembaga Keuangan

Summary

In this educational video, the presenter, Alvira Rossa Dian, explains the concept of non-bank financial institutions (LKBB) in Indonesia. She contrasts them with traditional banks, highlighting that LKBBs raise funds through securities to support company investments. The video covers the purpose, role, and activities of LKBBs, such as facilitating capital for businesses, providing long-term loans, and serving as intermediaries. Additionally, various types of LKBBs, including development finance institutions, leasing companies, and insurance firms, are discussed. The video concludes with insights on LKBBs' impact on the economy, helping businesses and individuals access financial resources while preventing exploitation by loan sharks.

Takeaways

• 😀 LKBB (Non-Bank Financial Institutions) are institutions involved in financial activities, including raising funds through securities and distributing them for company investments.
• 😀 Unlike banks, LKBB raises funds by issuing securities rather than through savings, current accounts, or deposits.
• 😀 The main goal of LKBB is to promote capital markets and assist in financing companies, especially those in economically weaker sectors.
• 😀 LKBB plays a crucial role in mobilizing funds by issuing securities, which are then provided to companies or individuals requiring capital.
• 😀 LKBB acts as intermediaries for issuing and trading securities, helping businesses raise capital.
• 😀 LKBB also offers medium- and long-term loans to both government and private sector projects.
• 😀 LKBB can provide consulting services in finance and bring in financial expertise when necessary.
• 😀 The types of LKBB include development financing institutions, securities brokers, leasing companies, cooperatives, pawn shops, and insurance firms.
• 😀 LKBB offers benefits such as simplifying access to loans for economic actors and protecting them from illegal lending practices.
• 😀 Establishing LKBB helps mitigate the risks of high-interest private loans (like loan sharks) and contributes to national revenue by creating economic stability.

Q & A

What is Lembaga Keuangan Bukan Bank (LKBB)?

Lembaga Keuangan Bukan Bank (LKBB) refers to non-bank financial institutions in Indonesia that raise funds by issuing securities and distribute these funds to businesses or individuals to finance investments and development.

How does LKBB differ from bank financial institutions?

While bank financial institutions raise funds through deposits (such as savings, checking, and time deposits), LKBB raise funds by issuing securities, such as bonds, and channel these funds to businesses in need of capital.

What are the main goals of establishing LKBB?

The primary goals of establishing LKBB are to encourage the growth of the capital market, assist in the financing of businesses, especially those in weaker economic positions, and provide long-term and medium-term loans.

What are the roles of LKBB in the financial system?

LKBB play roles as fundraisers through securities issuance, intermediaries for securities markets, and providers of financial services, such as loans, financial advice, and facilitating investment opportunities for businesses.

Can you name some key activities of LKBB?

Key activities of LKBB include raising funds through issuing securities, providing medium- and long-term credit, acting as intermediaries for securing credit from domestic and international lenders, offering financial advice, and facilitating investments and insurance.

What are the different types of LKBB mentioned in the script?

The script mentions several types of LKBB, including development financing institutions, securities intermediary institutions, leasing companies, savings and loans cooperatives, pawnshops, insurance companies, pension funds, and capital markets.

What is the function of a leasing company in LKBB?

Leasing companies in LKBB provide financing for the purchase of capital goods, such as vehicles or machinery, where customers pay through credit installments.

What is the role of a pawnshop in the financial system?

Pawnshops in LKBB provide short-term loans to individuals by accepting movable goods as collateral, offering a quick way to secure funds.

How does LKBB benefit the economy and individuals?

LKBB benefit the economy by making it easier for businesses and individuals to access loans, helping prevent predatory lending, providing financial stability in emergencies, ensuring retirement security, and contributing to national revenue.

What types of businesses or individuals would benefit from LKBB?

Businesses, particularly small or economically weaker ones, and individuals who need financial support, whether for development, emergencies, or long-term investments, benefit from LKBB.