Alat Pembayaran Non Tunai : Ekonomi Kelas 10

Summary

This video covers the topic of non-cash payment tools, explaining their definition, types, and benefits. It discusses paper-based tools like checks and giro, card-based tools such as credit, debit, and ATM cards, and electronic systems like mobile and internet banking, as well as e-wallets. The video highlights the advantages of using non-cash payments, including efficiency, security, better expense control, and reduced crime risks. Viewers are encouraged to embrace these payment methods for their convenience and the growing trend of digital transactions in daily life.

Takeaways

• 😀 Non-cash payment methods are defined as payments made using bank-issued tools, including electronic money, without using physical cash.
• 😀 Non-cash payments involve instruments like checks, giro, and electronic cards, with each serving different functions in financial transactions.
• 😀 A check is a written order from a bank customer directing the bank to pay money to another party, while a giro (bilyet giro) involves transferring funds between bank accounts.
• 😀 Non-cash payment tools are categorized into three main types: paper-based, card-based, and electronic-based payments.
• 😀 Paper-based non-cash payment tools include checks and giro, which are used for transferring funds or clearing payments without using physical cash.
• 😀 Card-based non-cash payment tools include credit cards, ATM cards, and debit cards, each serving different financial purposes, from borrowing to saving.
• 😀 A credit card allows users to borrow money from a bank for purchases, which must be repaid later, often leading to interest if not managed carefully.
• 😀 An ATM card is used to withdraw cash or transfer funds from one’s bank account, while a debit card directly deducts payments from the user’s existing bank balance.
• 😀 Electronic-based non-cash payments involve systems like mobile and internet banking, enabling users to make financial transactions from their mobile devices or computers.
• 😀 E-wallets, such as digital wallets, are popular for making transactions without needing to be a customer of a particular bank. Users can top-up their wallets and use the balance for purchases.

Q & A

What is the definition of non-cash payment instruments?

Non-cash payment instruments are tools issued by commercial banks, non-bank financial institutions, and other entities that issue electronic money, allowing payments for goods and services without using cash, but instead using giro money and card-based payments.

What is giro money and how does it differ from cash?

Giro money is money that is held in savings accounts or deposits in a bank, which can be withdrawn at any time according to the individual's needs. Unlike cash, giro money is typically only used within certain circles, and people can refuse to accept it if they do not wish to.

What are the three main types of non-cash payment instruments?

The three main types of non-cash payment instruments are paper-based, card-based, and electronic-based.

What is the difference between a check and a giro bill?

A check is an order from a customer to a bank to provide money to a specified person in cash, while a giro bill is an instruction from the customer to the bank to transfer a certain amount from their account to another account, and the money is not given in cash.

What is a credit card and how does it work?

A credit card is a payment tool that involves borrowing money from a bank. When used, the bank pays for the transaction upfront, and the cardholder repays the bank later, usually by the end of the month or according to an agreement. However, it can lead to overspending if not managed wisely.

How is an ATM card different from a credit card?

An ATM card is used to withdraw funds or transfer money from a bank account, and the funds are immediately deducted from the account. Unlike a credit card, an ATM card doesn't involve borrowing money.

What is the purpose of a debit card?

A debit card allows users to make payments for transactions directly from their bank account, where the money is immediately deducted from the account balance.

What is an electronic card (e-money), and how is it used?

An electronic card, or e-money, is a form of electronic currency stored in a card that can be used for specific transactions, such as toll payments. Users must load money onto the card before using it.

What is mobile banking, and how does it differ from internet banking?

Mobile banking allows users to perform financial transactions through a smartphone application, while internet banking involves accessing a bank's website on a browser to complete transactions. Mobile banking requires a dedicated app, while internet banking can be done via any browser.

What is an e-wallet, and how is it different from traditional bank payments?

An e-wallet is a digital wallet application that allows users to store money electronically. Unlike traditional bank payments, users do not need to be a bank customer to use an e-wallet. After installing the app, they can load money and use it for transactions.

What are the benefits of using non-cash payments?

Non-cash payments are more efficient, secure, and easier to track. They reduce the risk of carrying counterfeit money, provide better security by reducing physical theft, and allow for easier management and monitoring of expenses.

How can non-cash payments help reduce crime?

Non-cash payments reduce the need to carry physical money, which helps minimize the risk of theft, pickpocketing, or robbery. Electronic transactions offer more secure payment methods, which are harder to steal or counterfeit.