Sistem Pembayaran dan Alat Pembayaran Tunai.

Summary

This educational video from Ekonomi Pesat SMA Plus PGRI Cibinong explores the evolution of payment systems, from barter to modern non-cash transactions. It discusses the development of payment methods, including money, checks, ATM transfers, and mobile payments. The video highlights the role of Bank Indonesia in regulating and overseeing the payment system, and the history and characteristics of money, from commodity money to paper currency. The importance of non-cash payment methods like credit cards and prepaid cards is emphasized, with an outlook on future trends. The session also explains the security features of currency and the management of money circulation in Indonesia.

Takeaways

• 😀 The development of payment systems has evolved significantly due to technological advancements, ranging from barter systems to mobile payments.
• 😀 Initially, societies used a barter system, exchanging goods directly without money, which later evolved into using commodities like precious metals as a medium of exchange.
• 😀 The introduction of money allowed for easier and more practical transactions, with coins and banknotes providing a standardized method of payment.
• 😀 The growth of banking products led to the rise of payment systems such as checks, money orders, and eventually bank transfers via ATMs.
• 😀 In recent years, the advent of smartphones and mobile applications has led to the development of mobile payment systems, including digital wallets and mobile banking.
• 😀 Urban areas in Indonesia have seen an increase in non-cash payment methods, such as credit/debit cards, ATM cards, and prepaid cards.
• 😀 Prepaid cards are expected to become more common for various transactions in the future, such as paying for fuel, tolls, and public transportation.
• 😀 Payment systems are regulated by Bank Indonesia, which is responsible for formulating policies, licensing, overseeing operations, and developing payment systems in the industry.
• 😀 The history of money traces its origins back to nomadic societies, where individuals used self-produced goods to meet their needs before transitioning to the use of barter and commodity money.
• 😀 Money has specific characteristics: it must be accepted widely, stable in value, durable, portable, divisible without losing value, and difficult to counterfeit.
• 😀 There are different types of money: coins and banknotes, which have intrinsic value (like gold and silver), and token money, where the nominal value exceeds the material value of the money used.

Q & A

What is the main topic discussed in the video?

The main topic of the video is the development of payment systems and cashless payment tools, highlighting their evolution in society, from barter systems to modern electronic payments.

How did payment systems evolve over time?

Payment systems evolved from a barter system, where goods were exchanged directly, to the use of money, followed by the introduction of checks and giro systems. With advancements in banking products, ATM transfers became common, and with the rise of the internet, iPayment and mobile payments emerged.

What is the role of Bank Indonesia in the payment system?

Bank Indonesia plays a key role in regulating, licensing, supervising, and operating payment systems. It also facilitates the development of payment systems by industries and provides cash payment services.

What were the first forms of money used in history?

The first forms of money were commodity money, where items with intrinsic value, such as gold or silver, were used as a medium of exchange.

What are the requirements for an item to be considered money?

For an item to be considered money, it must be widely accepted, durable, easy to carry, divisible, and maintain its value over time.

What are the different types of money based on material?

Money can be classified into two main types based on material: coin money (made from metals) and paper money (made from paper or other materials).

What is the difference between 'full-bodied money' and 'token money'?

Full-bodied money has a value equal to the material from which it is made, such as gold or silver coins. Token money, on the other hand, has a value greater than the material cost of its production, like paper currency.

What are the functions of money?

The functions of money include being a medium of exchange, a unit of account, a store of value, and a standard of deferred payment. These are its primary functions, while derivative functions include price determination and wealth storage.

What are the security features of Indonesian currency notes?

Indonesian currency notes have various security features such as watermarks, hidden images, microtext, UV ink, and a holographic security thread to prevent counterfeiting.

How has mobile technology influenced payment systems?

The advent of mobile technology, especially through smartphones like Android, BlackBerry, and iPhone, has greatly influenced the rise of mobile payment systems, allowing users to make payments via mobile apps and digital wallets.