NON-BANKING FINANCIAL

INSTITUTIONS
Fachri Dwiansyah - 19015111
 INSURANCE
• Insurance is a contract, represented by a
policy, in which an individual or entity receives
financial protection or reimbursement against
losses from an insurance company.
• Type of Insurance
– Life Insurance
– Health Insurance
– Loss Insurance
 MULTI FINANCE
• A company that provides financing for fixed
assets procurement
• Different from Bank, Multifinance company could
not take deposits directly from the customers
through savings account, checking account, and
other equivalents.
• Multifinance business activities
– Leasing
– Factoring
– Credit Cards
– Consumer Finance
 INVESTMENT BANK (SECURITIES)
• A financial intermediary that specialized in large
and complex financial transactions such
as underwriting, acting as an intermediary
between a securities issuer and the investing
public, facilitating mergers and other
corporate reorganizations, and acting as a broker
and/or financial adviser for institutional clients.
• Product of Investment Banks
– Mutual Funds
– Stocks
– Bonds
 PAWN SHOP
• In Indonesia also known as Pegadaian
• A pawnshop provides loan to an individual who
turns over custody of an item, such as a television
or a computer, that serves as collateral for the
loan.
• The amount a pawnshop is willing to lend is
based primarily on the value of the item, but it
can also be substantially affected by the
pawnshop's current inventory at the time of the
loan.
 KOPERASI SIMPAN PINJAM
• Koperasi is a firm owned, controlled, and
operated by a group of users for their own
benefit. Each member contributes equity capital,
and shares in the control of the firm on the basis
of one-member, one-vote principle (and not in
proportion to his or her equity contribution)
• Koperasi Simpan Pinjam is a type of Koperasi that
provides saving and loan facility to its member
with low interest rates.
 KOPERASI SIMPAN PINJAM
• The capital of the firm comes from the members’
equity and borrowed capital.
• Members’ equity, or the members savings, can be
divided into three types, which are :
– Principal Savings
– Compulsory Savings
– Voluntary Savings
• Koperasi also may borrow the capital from the
members, other koperasi, and other financial
institutions.
 PENSION FUNDS
• Pension Funds is a legal entity established to
manage and run a program that promised
retirement benefits. Pension funds are
required to obtain approval from the Minister
of Finance
 MONEY CHANGER
• A money changer is a person or institution
whose business is the exchange of coins
or currency of one country, for that of
another.
 VENTURE CAPITAL
• Venture Capital company provides financing to
startup companies and small businesses that are
believed to have long-term growth potential.
Venture capital generally comes from well-off
investors, investment banks and any other
financial institutions.
• It does not always take just a monetary form; it
can be provided in the form of technical or
managerial expertise.