MARKETING KEYWORDS

As for the specifics banks may serve as an agent of the trust, the agent of develovment and agents of services.

Distributors / giver Credit Bank in its activities not only keep the proceeds, but for its use in the form of bank loans channeled back to the communities that need fresh capital for the business. Surely in the implementation of this functionality is expected the bank will get a source of income in the form of profit-sharing or in the form of imposition of lending. Provision of credit would pose a risk, therefore, the gift must be really careful

1. Agent Of Trust

Namely institutions that foundation of trust. The main basic banking activity is confidence (trust), either in the collector of funds and disbursement of funds. The public will want to keep their money in the bank if the fund is based on trust. In this function will be built the trust of both the depositors or from bank and trust this will continue to the debtor. This trust is built is important because in these circumstances all parties want to feel good in terms of benefit to the diversion of funds, container and receiving funds disbursement of these funds.

2. Agent Of Development

Namely institutions that mobilize funds for economic development. Activities of the bank in the form of collector and distributor of funds is necessary for smooth economic activities in the real sector. The bank activities enabling people to do investment activities, the activities of distribution and consumption of goods and services activity, given that the investment activity, distribution and consumption can not be separated from the use of money. Smooth operation of the investment, distribution, and consumption is none other than a community economic development activities.

3. Agent Of Services

Namely institutions that mobilize funds for economic development. Besides conducting collector and distributor of funds, the bank also offers other banking services to the communities. Services offered by banks is closely related to the economic activity of society in general.

D. Bank Reform

PAK JUN 1983

June 1983 is a package of banking policies issued June 1, 1983 is also known as non ceiling packs within the meaning of the banking policy have been exempted from the provisions of the upper limit (ceiling) rates. This means that banks are allowed to determine the interest rate offered to the public in accordance with its sole discretion. Bank loan interest rates may offer the most inexpensive as well as banks may even offer a savings or deposit interest rates as high as the sky. Consideration of determining the interest rate was repatriated to the respective banks along following the economic prnsip ie as long as they ensure the survival of the bank.

Fundamentals of banking deregulation policy 1 June 1983 namely:

1. Capping credit (ceiling policy) exempt means each bank can hold credit expansion under the management of each bank as long as the banks have sufficient loanable funds.

2. Loanable funds are bersumberkan of credit liquidity and bank Indonesia (KLBI) is limited and only granted to credits that are a priority.

3. Each bank is free to determine the interest rate deposit and loan interest.

PAK TO 1988

Package policy kebjakan 1 June 1983 in terms of mobilization of funds and increasing the efficiency of the basis for the resumption of banking deregulation in banking. Indeed, one of the goals and deregulation in banking is to create an environment that encourages healthy competition among the banks to improve efficiency in its business operations.

In early 1988, the state of the economy in Indonesia began to improve. This encourages pemerntah to continue and further expanding its deregulation policy in the field of banking, namely the issuance of a policy package 27 October 19 988 (Pakto 1988) which is the point of the "liberalization of the banking sector".

The purpose of Pakto 1988 namely:

a. Increased mobilization of funds and fund alokas

b. Utilization of financial and banking institutions in order bergfunsi as a means of transactions that can encourage the export of non oil and gas

c. Improved efficiency and ease of establishment of the bank

d. Control of monetary policy as well as the creation or development of the capital market climate.

In general, the purpose of the launching of deregulation can be concluded:

a. Simplifying the process of economic activities.

b. Emphasis ongks non-productive costs in the economy.

c. The efficiency of the institutions of economic actors.

d. Reduction of government interference in the economy

e. Enhance greater private role in the economy.

f. Striving to make the competitiveness of products in the country is more reasonable in the international economic arena.