DAFTAR ISI

KATA PENGANTAR .............................................................. v
DAFTAR ISI ....................................................................... vi
DAFTAR TABEL ................................................................. xi
DAFTAR GAMBAR .............................................................. xii
SINOPSIS .......................................................................... xiii

BAB 1 BANK .......................................................................... 1
A. Pendahuluan .................................................................. 2
B. Bank dan Lembaga Keuangan ................................. 2
C. Fungsi Bank .................................................................. 4
D. Kegiatan Bisnis Bank ................................................. 6
E. Karakteristik Bank ....................................................... 7
F. Jenis-jenis Bank ......................................................... 14
G. Bank Sentral ................................................................ 18
H. Bank Umum ................................................................ 20
I. Bank Perkreditan Rakyat ......................................... 20
J. Bank Devise ................................................................ 23
K. Ringkasan .................................................................... 31

BAB 2 DANA BANK .............................................................. 34
A. Pendahuluan ................................................................. 34
B. Dana Bank .................................................................... 35
C. Sumber Dana Internal ............................................... 35
D. Sumber Dana dari Lembaga Lain ............................ 37
E. Sumber Dana dari Masyarakat ................................. 39
F. Fungsi Sumber Dana Bank ....................................... 39
G. Alokasi Dana Bank .................................................... 40
H. Aktiva Bank .................................................................. 43
I. Suku Bunga Bank ....................................................... 45
J. Giro ............................................................................... 48

BAB 3 KREDIT PERBANKAN ...................................................... 64
A. Pendahuluan ................................................................. 65
B. Manajemen Kredit Perbankan ...................................... 65
C. Unsur-unsur Kredit ....................................................... 68
D. Tujuan dan Manfaat Kredit .......................................... 70
E. Fungsi Kredit ................................................................. 71
F. Pihak-pihak yang Menawarkan Kredit ........................... 73
G. Jenis-jenis Kredit ........................................................... 75
H. Jaminan Kredit ............................................................... 78
I. Suku Bunga Kredit .......................................................... 81
J. Persyaratan Pengajuan Kredit ....................................... 84
K. Proses Pengajuan Kredit ............................................... 86
L. Analis Kredit ................................................................... 87
M. Penilaian Analisis Kredit .............................................. 88
N. Kualitas Kredit ............................................................... 93
O. Kredit Macet .................................................................. 99
P. Pengendalian Kredit Macet .......................................... 100
Q. Penyelesaian Kredit Macet ......................................... 101
R. Ringkasan ...................................................................... 107

BAB 4 JASA PERBANKAN LAINNYA ..................................... 109
A. Pendahuluan ................................................................. 110
B. Kiriman Uang (Transfer) ............................................. 110
C. Kliring ............................................................................. 115
D. Inkaso ............................................................................. 118
E. Safe Deposit Box ........................................................... 122
F. Kartu Kredit .................................................................... 124
G. Bank Notes ..................................................................... 130
H. Travellers Cheque ........................................................ 131

BAB 5 ORGANISASI PERKANTORAN PERBANKAN ............ 157
A. Pendahuluan ................................................................. 158
B. Organisasi ...................................................................... 159
C. Efektivitas Organisasi .................................................. 165
D. Prinsip-prinsip Organisasi ............................................ 166
E. Budaya Organisasi ......................................................... 167
F. Struktur Organisasi ....................................................... 170
G. Manajemen Perkantoran ............................................. 172
H. Korespondensi ............................................................... 174
I. Kearsipan ....................................................................... 178
J. Rapat Kantor .................................................................. 178
K. Sarana dan Prasarana Kantor ...................................... 180
L. Lingkungan Ergonomi Kantor ...................................... 183
M. Ringkasan ..................................................................... 185

BAB 6 RISIKO PERBANKAN .................................................. 188
A. Pendahuluan ................................................................. 189
B. Manajemen Risiko ....................................................... 190
C. Prinsip Manajemen Risiko ........................................... 193
D. Tata Kelola Manajemen Risiko .................................... 194
E. Klasifikasi Risiko ............................................................ 195
F. Risiko Pasar .................................................................... 196
G. Risiko Kredit ................................................................... 198
H. Risiko Operasional ........................................................ 200
I. Risiko Likuiditas .............................................................. 202
J. Risiko Hukum ................................................................ 207
K. Risiko Reputasi .............................................................. 210
L. Risiko Strategik ............................................................... 214

BAB 7 LAPORAN KEUANGAN PERBANKAN .......................... 219
A. Pendahuluan ................................................................. 220
B. Laporan Keuangan ......................................................... 220
C. Tujuan Penyusunan Laporan Keuangan .................... 222
D. Karakteristik Kualitatif dan Sifat Laporan Keuangan ... 223
E. Kewajiban Laporan Keuangan menurut BI ................. 225
F. Jenis-jenis Laporan Keuangan ...................................... 230
G. Unsur-unsur Laporan Keuangan .................................. 232
H. Pihak-pihak yang Membutuhkan Laporan Keuangan .. 239
I. Keterbatasan dalam Laporan Keuangan ..................... 240
J. Analisis Laporan Keuangan .......................................... 241
K. Ringkasan ..................................................................... 246

BAB 8 PEMASARAN PERBANKAN ......................................... 247
A. Pendahuluan ................................................................. 248
B. Pemasaran .................................................................... 248
C. Manajemen Pemasaran ............................................... 250
D. Konsep Inti dalam Pemasaran ..................................... 251
E. Bauran Pemasaran ....................................................... 254
F. Segmentasi (Segmentation) .......................................... 256
G. Target Pasar (Targeting) ............................................. 262
H. Penentuan Posisi (Positioning) ..................................... 262
I. Diferensiasi ..................................................................... 266
J. Strategi Pemasaran ....................................................... 268
K. Ringkasan ..................................................................... 276

BAB 9 PELAYANAN PRIMA PERBANKAN .............................. 278
A. Pendahuluan ................................................................. 279
B. Pelayanan Prima .......................................................... 279
C. Tuntutan dan Harapan Pelayanan Prima .................... 282
D. Jenis-jenis Pelayanan Prima ......................................... 286
E. Pelanggan Internal dan Eksternal ............................... 287
F. Kompetensi Pelayanan Prima ...................................... 288
G. Strategi Membangun Pelayanan Prima ....................... 290
H. Kualitas Pelayanan Prima ............................................ 293
I. Standar Kualitas Pelayanan Prima ............................... 296
J. Penyusunan Standar Pelayanan Prima ........................ 298
K. Faktor-faktor Pendukung Pelayanan Prima ................. 306
L. Budaya Pelayanan Prima ............................................. 308
M. Manajemen Keluhan .................................................... 309
N. Ringkasan ..................................................................... 311

BAB 10 BANK SYARIAH ............................................................ 312
A. Pendahuluan ................................................................. 313
B. Bank Syariah ................................................................. 314
C. Perbedaan Bank Syariah dan Konvensional ............... 316
D. Fungsi Bank Syariah ..................................................... 317
E. Tujuan dan Peran Bank Syariah ................................... 318
F. Dasar Hukum Bank Syariah ......................................... 320
G. Prinsip-prinsip Bank Syariah ........................................ 323
H. Ciri-ciri Bank Syariah .................................................... 329
I. Jenis dan Kegiatan Bank Syariah .................................. 330
J. Sumber Dana Bank Syariah ......................................... 331
K. Jenis-jenis Risiko Bank Syariah .................................... 332
L. DSN dan DPS ................................................................ 332
M. Ringkasan ..................................................................... 334

GLOSARIUM ......................................................................... 336
INDEKS ................................................................................... 339
DAFTAR PUSTAKA ................................................................. 341
TENTANG PENULIS ................................................................. 351