SCRIPTURE

Admin Perkantoran

• What is Warkat?
Clearing instruments are securities issued by a bank as a banking instrument describing funds that have not been received; paper containing information about an event to be used as evidence.

•Script Type
Types of Clearing Items that are standardized to be taken into account in Clearing are: Cheques, Bilyet Giro, Bank Notes for Transfers, Proof of Transfer Receipt, Debit Notes and Credit Notes.
1) Checks are checks as stipulated in the Commercial Code (KUHD) including types of checks such as dividend checks, traveler’s checks, gift or souvenir checks, and other types of checks whose use in clearing is approved by Bank Indonesia;
2) Bilyet Giro is an order from the customer to the depositing Bank to transfer a certain amount of funds from the account concerned to the account of the holder whose name is mentioned, including the Bilyet Giro of Bank Indonesia (BGBI);
3) Bank draft for transfer is a money order as stipulated in the KUHD issued by the Bank specifically for transfer facilities;
4) Proof of Transfer Receipt is proof of receipt of transfer from outside the city that can be invoiced to the Participant Bank receiving the transfer funds through Local Clearing;
5) Debit Note is a Clearing Item used to collect funds from another Bank for the benefit of the Bank or the customer of the Bank submitting the Clearing Item. The Cleared Debit Note should have been agreed upon and confirmed in advance by the Bank that submits the Debit Note to the Bank that will receive the Debit Note;
6) Credit Note is a Clearing Item used to deliver funds to another Bank for the benefit of the Bank or the customer of the Bank receiving the Clearing Item.
Items are stated in rupiah currency and have full nominal value, and have matured at the time of clearing

• What is the use of scrip?
Scrip is any written, printed or illustrated information (letters, notes, calculations, graphics, or pictures) that still has use as information and memory material for the organization.

• Clearing Items
According to Khasmir 2010:150 Clearing items are requests from bank customers to collect their receivables in the form of demand deposits or payment of obligations through Modern LPP Payment Traffic in a clearing house. In other words, the slip is a means of payment of demand deposits that are taken into account in clearing.

  1. What is meant by clearing
  2. Clearing is the exchange of electronic financial documents or data between clearing participants, both on behalf of participants and on behalf of participating customers whose calculations are completed at a certain time. clearing or Traffic Giro (LLG) is part of the interbank transfer system. If you make a transfer via clearing, there is a time lag at the time of delivery until the funds reach the beneficiary’s account. The transfer process via Traffic Giro takes two to three days.
  3. Clearing Transaction Fee
  4. When you want to transfer funds through the Clearing process, you have to pay a transfer fee of IDR 5,000. Transfer via Clearing, the maximum amount of funds that can be sent is IDR 100 million per day.
  5. If the transfer exceeds that amount, you can use the Real Time Gross Settlement (RTGS) system. RTGS is almost the same as Clearing but the method is different. As the name implies, RTGS allows the transfer process in ‘real time’ alias until then.
  6. Transfer limits via RTGS start from IDR 100 million to IDR 500 million. The transfer process is faster, which is 2-3 hours even then. However, there is a transfer fee that is more expensive, which is around Rp. 25 thousand to Rp. 30 thousand.
  7. Clearing Implementation Mechanism
  8. When discussing the mechanism for implementing Clearing, there are two things that must be understood. First, the Clearing process when someone transfers between banks. Second, the Clearing process when someone cashes a check.
  9. Some of the Clearing processes during interbank transfers are as follows:
  10. a. The customer must fill in the funds transfer form using the Clearing method at the specified bank (Bank A). The form also includes the bank to be addressed or sent to the recipient (Bank B), including the account number and name of the owner.
  11. b. Bank A will process administrative data, by reducing the sender’s account balance and submit a Clearing request to bank B at BI as the central bank regulating Clearing.
  12. c. BI shall then process the Clearing data, by instructing bank B to add the balance to the account number of the destination or the Clearing recipient.
  13. d. The account balance of the beneficiary (Bank B) will certainly increase.
  14. Meanwhile, the Clearing process when someone cashes a check from another bank, either domestic or foreign, is as follows:
  15. a. The customer brings the check and fills out the check disbursement form at Bank A, while the check will be issued to Bank B.
  16. b. The Bank will process and perform Clearing on the check. Checks and other administrative evidence will be submitted to BI.
  17. c. BI will examine the documents and forward the Clearing to the check issuing bank (Bank B).
  18. d. The check issuing bank (Bank B) will provide approval and validation, that the check is valid and has funds.
  19. e. BI will forward the above to Bank A who can immediately withdraw the funds in cash or account balances according to the customer’s wishes.

• Clearing Items are a Form of Non-Cash Payment
Money is not the only thing that can be used in a transaction. Maybe now the term non-cash is not a confusing thing for you because there are many modern forms of non-cash payments such as e-money and others emerging.

However, before the emergence of various forms of non-cash payment as it is today, it was already known in advance what was called scrip as a way of transacting without using money.

Clearing Items are securities issued by a bank, becoming an instrument for withdrawing funds from customers who have Current Account/Current Account facilities. The Clearing Items will be related to clearing activities, which in the banking and financial world is an activity that runs from the time an agreement is made for a transaction until the completion of the implementation of the agreement. The Clearing Items will be stated in Rupiah currency and have full nominal value.

The need for digital IT is needed in daily activities, Bead IT Consultant is the right choice as your partner, visit our website by clicking this link: www.beadgroup.com