Kuliah Bank dan Lembaga Keuangan - Ep.06 Sewa Guna Usaha (Leasing)

Summary

This video script delves into the concept of 'leasing' as a financing method, explaining its definition, the parties involved, and the various types of leasing companies. It outlines the transaction process and mechanisms, different financing techniques, and contrasts leasing with other financing methods like hire-purchase and bank loans. The script highlights the advantages of leasing, such as full financing, flexibility, alternative funding sources, inflation protection, technological advancement protection, and its suitability for large-scale projects, providing a comprehensive guide for those interested in this financial option.

Takeaways

• 📘 The video discusses the concept of 'leasing' as a form of financing for business assets.
• 🏢 It involves four main parties in a leasing transaction: the lessor (leasing company), the lessee (user of the asset), the supplier (seller of the asset), and the bank (provider of funds).
• 🔑 The leasing company can be categorized into three types: independent leasing companies, captive leasing companies, and leasing brokers.
• 💼 Independent leasing companies operate separately from suppliers and can source assets from various manufacturers to meet customer needs.
• 🏭 Captive leasing companies are established by suppliers or manufacturers to finance their own products, potentially increasing sales through leasing rather than traditional financing.
• 🔄 Leasing brokers facilitate connections between potential lessees and lessors, often not possessing the assets themselves and providing various services related to leasing transactions.
• 📋 The leasing process involves a contract agreement between the lessor and lessee, with the lessor providing the asset for a certain period in exchange for periodic payments.
• 💼 Financing techniques in leasing include finance lease and operating lease, with the former involving the lessor as the financier of the asset and the latter not covering the full cost of the asset in its periodic payments.
• 🌐 Different transaction forms in leasing are explained, such as direct financial lease, sale and leaseback, leveraged lease, syndicated lease, and cross-border lease.
• 🔍 The video compares leasing with other financing methods like hire-purchase, lease-to-own, and bank credit, highlighting differences in terms of asset types, ownership, contract terms, and end-of-contract agreements.
• 🚀 The advantages of leasing as a financing source are outlined, including full financing without down payment, flexibility in contract terms, alternative financing without affecting other credit facilities, protection against inflation, and the ability to finance large-scale projects.

Q & A

What is the main topic discussed in the video script?

The main topic discussed in the video script is the concept of lease financing, specifically focusing on the definition, parties involved, types of leasing companies, transaction mechanisms, financing techniques, differences between lease financing and other financing methods, and the advantages of lease financing.

What is the definition of lease financing according to the Minister of Finance Decree No. 1169?

Lease financing, as defined by the Minister of Finance Decree No. 1169, is a financing activity in the form of providing capital goods either as an operating lease or a finance lease for use by a lessee for a certain period, based on periodic payments.

Who are the four main parties involved in a leasing transaction?

The four main parties involved in a leasing transaction are the lessor (leasing company), the lessee (the user of the goods), the supplier (the seller of the goods), and the bank (which provides funding to the lessor).

What are the three categories of leasing companies?

The three categories of leasing companies are independent leasing companies, captive leasing companies, and leasing brokers.

How does an independent leasing company differ from a captive leasing company?

An independent leasing company operates on its own and is not affiliated with a specific supplier, while a captive leasing company is established by a supplier or manufacturer to finance their own products.

What is the role of a leasing broker in a leasing transaction?

A leasing broker's role is to bring together potential lessees with lessors who need certain capital goods, usually without having the goods themselves, and to provide various services required for a leasing transaction.

What are the two main financing techniques in leasing?

The two main financing techniques in leasing are finance lease (or capital lease) and operating lease.

What is a finance lease and how does it differ from an operating lease?

A finance lease is a technique where the leasing company provides the capital goods as the owner, and the lessee usually chooses the goods and makes payments that cover the cost of the goods plus interest. In contrast, an operating lease involves periodic payments that do not cover the full cost of the goods, and the lease agreement is typically between the lessor and the lessee.

What are some of the advantages of lease financing over other financing methods?

Some advantages of lease financing include full financing without a down payment, flexibility in contract terms, alternative financing without affecting existing credit facilities, protection against inflation, protection against technological obsolescence, control over capital expenditure, and financing for large-scale projects.

How does lease financing protect against inflation?

Lease financing can protect against inflation because the lessee typically pays a fixed amount for the remaining obligations arising from past purchase settlements, while the lessor receives a fixed payment, which may be less affected by inflationary pressures.

What is a vendor program in the context of lease financing?

A vendor program is a method where a manufacturer or dealer provides leasing facilities to buyers of goods, allowing the lessee to acquire the goods through leasing without the need for immediate cash payment.