Sektor IndustriJasa
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| Industri Jasa |
A. Pengertian Sektor Industri Jasa
Menurut Undang-undang No. 5 Tahun 1984 tentang Perindustrian, Industri adalah kegiatan ekonomi yang mengolah bahan mentah, bahan baku, barang setengah jadi, dan/atau barang jadi menjadi barang dengan nilai yang lebih tinggi untuk penggunaannya, termasuk kegiatan rancang bangun dan perekayasaan industry.
Sektor Industri Jasa adalah kegiatan ekonomi yang menghasilkan jasa.
Contohnya : Jasa keuangan, jasa hiburan, jasa transportasi, jasa pengepakan, jasa laundry, jasa salon, jasa kesehatan, jasa perhotelan, dan industry hasa kainnya.
Contohnya : Jasa keuangan, jasa hiburan, jasa transportasi, jasa pengepakan, jasa laundry, jasa salon, jasa kesehatan, jasa perhotelan, dan industry hasa kainnya.
B. Pengertian Sektor Industri Jasa Keuangan
Sektor Industri Jasa Keuangan adalah kegiatan ekonomi yang menghasilkan jasa keuangan.
Contohnya = Perbankan, Pasar modal, perasuransian, dana pension, lembaga pembiayaan , dan lembaga jasa keuangan lainnya.
Contohnya = Perbankan, Pasar modal, perasuransian, dana pension, lembaga pembiayaan , dan lembaga jasa keuangan lainnya.
Ada istilah-istilah yang perlu diketahui, dan diatur dalam Undang-Undang Republik Indonesia Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan. Dikatakan :
1. Otoritas Jasa Keuangan (OJK) adalah Lembaga independen dan bebas dari campur tangan pihak
lain, yang mempunyai fungsi, tugas dan wewenang pengaturan, pengawasan, pemeriksaan, dan
penyidikan sebagaimana dimaksud dalam Undang-Undang ini.
2. Dewan Komisioner adalah pimpinan tertinggi OJK yang bersifat kolektif dan kolegial.
3. Kepala Eksekutif adalah anggota dewan komisioner yang bertugas memimpin pelaksaan
pengawasan kegiatan jasa keuangan dan melaporkan pelaksanaan tugasnya kepada Dewan
Komisioner.
4. Lembaga Jasa Keuangan adalah lembaga yang melaksanakan kegiatan disektor perbankan, pasar
modal, perasuransian, dana pension , lembaga embiayaan, dan lembaga jasa keungan lainnya.
1. Otoritas Jasa Keuangan (OJK) adalah Lembaga independen dan bebas dari campur tangan pihak
lain, yang mempunyai fungsi, tugas dan wewenang pengaturan, pengawasan, pemeriksaan, dan
penyidikan sebagaimana dimaksud dalam Undang-Undang ini.
2. Dewan Komisioner adalah pimpinan tertinggi OJK yang bersifat kolektif dan kolegial.
3. Kepala Eksekutif adalah anggota dewan komisioner yang bertugas memimpin pelaksaan
pengawasan kegiatan jasa keuangan dan melaporkan pelaksanaan tugasnya kepada Dewan
Komisioner.
4. Lembaga Jasa Keuangan adalah lembaga yang melaksanakan kegiatan disektor perbankan, pasar
modal, perasuransian, dana pension , lembaga embiayaan, dan lembaga jasa keungan lainnya.
C. Ciri-ciri Entitas yang Termasuk dalam Sektor Industri Jasa Keuangan
Ciri-ciri entitas yang termasuk dalam sector industri jasa keuangan di antaranya :
1. Menghasilkan Jasa.
2. Menjual jasa, baik tunai maupun kredit.
1. Menghasilkan Jasa.
2. Menjual jasa, baik tunai maupun kredit.
D. Entitas yang Termasuk dalam Sektor Industri Jasa Keuangan di Indonesia
Jika diperhatikan, entitas yang bergerak dibidang jasa keungan bisa dibagi ke dalam 3 bidang, yaitu nama entitas, bidang usaha, dan kepemilikan.
1. Nama Entitas
a. Perbankan, misalnya Bank Indonesia, BRI, BNI 1946, Bank Jabar Banten, BCA, BPR, Bank
Muamalat.
b. Pasar Modal, misalnya PT Bursa Efek Jakarta.
c. Perasuransian, contohnya Asuransi Jiwa Raya, Bumi Putera, dan Prudential.
d. Dana Pensiun, contohnya Dana Pensiun Pemberi Kerja ( DPPK ) san Dana Pensiun Lembaga
Keuangan.
e. Lembaga Pembiayaan, contohnya PT Pembinaan Usaha Indonesia dan PT Indonesia Investment
Internasional.
f. Jasa Keuangan Lainnya, contohnya Perum Pegadaian.
1. Nama Entitas
a. Perbankan, misalnya Bank Indonesia, BRI, BNI 1946, Bank Jabar Banten, BCA, BPR, Bank
Muamalat.
b. Pasar Modal, misalnya PT Bursa Efek Jakarta.
c. Perasuransian, contohnya Asuransi Jiwa Raya, Bumi Putera, dan Prudential.
d. Dana Pensiun, contohnya Dana Pensiun Pemberi Kerja ( DPPK ) san Dana Pensiun Lembaga
Keuangan.
e. Lembaga Pembiayaan, contohnya PT Pembinaan Usaha Indonesia dan PT Indonesia Investment
Internasional.
f. Jasa Keuangan Lainnya, contohnya Perum Pegadaian.
2. Bidang Usaha
Meliputi :
a. Perbankan adalah segala sesuatu yang menyangkut tentang bank, mencakup kelembagaan,
kegiatan usaha, serta cara dan proses dalam melaksanakan kegiatan usahanya secara
konvensional dan syariah sebagaimana dimaksud dalam undang-undang mengenai perbankan
dan undang-undang mengenai perbankan syariah.
b. Pasar Modal adalah kegiatan yang bersangkutan dengan Penawaran Umum dan perdagangan
efek, Entitas public yang berkaitan dengan efek yang diterbitkannya, serta lembaga dan profesi
yang berkaitan dengan efek sebagaimana yang dimaksud dalam undang-undang mengenai
pasar modal.
c. Perasuransian adalah usaha perasuransian yang bergerak disektor usaha asuransi, yaitu usaha
jasa keuangan yang dengan menghimpun dana masyarakat melalui pengumpulan premi asuransi
memberikan perlindungan kepada anggota masyarakat pemakai jasa asuransi terhadap
timbulnya karena suatu peristiwa yang tidak pasti atau terhadap hidup atau meninggalnya
seseorang, usaha reasuransi, dan usaha penunjang usaha asuransi dan jasa aktuaria,
sebagaimana dimaksud dalam undang-undang mengenai perusahaan asuransi.
d. Dana Pensiun adalah badan hukum yang mengola dan menjalankan program yang menjanjikan
manfaat pension sebagaimana dimaksud dalam undang-undang mengenai dana pension.
e. Lembaga Pembiayaan adalah badan usaha pegadaian, lembaga peminjaman, lembaga
pembiayaan eskpor Indonesia, entitas pembiayaan sekunder perumahan, dan lembaga yang
menyelenggarakan pengelolaan dana masyarakat yang bersifar wajib, meliputi penyelenggara
program jaminan masyarakat yang bersifat wajib, meliputi penyelenggara program jaminan
sosial, pension, dan kesejahteraan, sebagaimana dimaksud dalam peraturan perundang-undangan
mengenai pegadaian, penjaminan, lembaga pembiayaan ekspor Indonesia, entitas pembiayaan
sekunder perumahan, dan pengelolaan dana masyarakat yang bersifat wajib, serta lembaga
keuangan lain yang dinyatakan diawasi oleh OJK berdasarkan peraturan perundang-undangan.
Meliputi :
a. Perbankan adalah segala sesuatu yang menyangkut tentang bank, mencakup kelembagaan,
kegiatan usaha, serta cara dan proses dalam melaksanakan kegiatan usahanya secara
konvensional dan syariah sebagaimana dimaksud dalam undang-undang mengenai perbankan
dan undang-undang mengenai perbankan syariah.
b. Pasar Modal adalah kegiatan yang bersangkutan dengan Penawaran Umum dan perdagangan
efek, Entitas public yang berkaitan dengan efek yang diterbitkannya, serta lembaga dan profesi
yang berkaitan dengan efek sebagaimana yang dimaksud dalam undang-undang mengenai
pasar modal.
c. Perasuransian adalah usaha perasuransian yang bergerak disektor usaha asuransi, yaitu usaha
jasa keuangan yang dengan menghimpun dana masyarakat melalui pengumpulan premi asuransi
memberikan perlindungan kepada anggota masyarakat pemakai jasa asuransi terhadap
timbulnya karena suatu peristiwa yang tidak pasti atau terhadap hidup atau meninggalnya
seseorang, usaha reasuransi, dan usaha penunjang usaha asuransi dan jasa aktuaria,
sebagaimana dimaksud dalam undang-undang mengenai perusahaan asuransi.
d. Dana Pensiun adalah badan hukum yang mengola dan menjalankan program yang menjanjikan
manfaat pension sebagaimana dimaksud dalam undang-undang mengenai dana pension.
e. Lembaga Pembiayaan adalah badan usaha pegadaian, lembaga peminjaman, lembaga
pembiayaan eskpor Indonesia, entitas pembiayaan sekunder perumahan, dan lembaga yang
menyelenggarakan pengelolaan dana masyarakat yang bersifar wajib, meliputi penyelenggara
program jaminan masyarakat yang bersifat wajib, meliputi penyelenggara program jaminan
sosial, pension, dan kesejahteraan, sebagaimana dimaksud dalam peraturan perundang-undangan
mengenai pegadaian, penjaminan, lembaga pembiayaan ekspor Indonesia, entitas pembiayaan
sekunder perumahan, dan pengelolaan dana masyarakat yang bersifat wajib, serta lembaga
keuangan lain yang dinyatakan diawasi oleh OJK berdasarkan peraturan perundang-undangan.
3. Kepemilikan
Berdasarkan kepemilikannya, entitas dalam sector jasa keuangan, meliputi :
a. Entitas jasa milik pemerintah, misalnya Bank Indonesia, BRI, dan BNI.
b. Entitas jasa milik swasta, misalnya BCA, Bank Muamalat, dan CIMB NIAGA.
c. Entitas jasa milik asing, misalnya Bank of amerika dan Chase Manhattan Bank.
Adapun berdasarkan kepemilikannya, entitas perasuransian, meliputi :
a. Entitas jasa asuransi milik pemerintah, misalnya PT Asuransi Jiwa Raya dan PT Jasa Raharja.
b. Entitas jasa milik swasta, misalnya PT Bumi Putera
c. Entitas jasa milik asing, misalnya Prudential dan Allianz
Berdasarkan kepemilikannya, entitas dalam sector jasa keuangan, meliputi :
a. Entitas jasa milik pemerintah, misalnya Bank Indonesia, BRI, dan BNI.
b. Entitas jasa milik swasta, misalnya BCA, Bank Muamalat, dan CIMB NIAGA.
c. Entitas jasa milik asing, misalnya Bank of amerika dan Chase Manhattan Bank.
Adapun berdasarkan kepemilikannya, entitas perasuransian, meliputi :
a. Entitas jasa asuransi milik pemerintah, misalnya PT Asuransi Jiwa Raya dan PT Jasa Raharja.
b. Entitas jasa milik swasta, misalnya PT Bumi Putera
c. Entitas jasa milik asing, misalnya Prudential dan Allianz
Oleh : Drs. Agus Syarif
Translate :A. Definition of Service Industry Sector
According to Law no. 5 of 1984 concerning Industry, Industry is an economic activity that processes raw materials, raw materials, semi-finished goods and / or finished goods into goods of higher value for their use, including engineering and engineering activities.
The Service Industry sector is an economic activity that produces services.For example: Financial services, entertainment services, transportation services, packing services, laundry services, salon services, health services, hotel services, and cloth fabrics industries.
B. Understanding of Financial Services Industry Sector
The Financial Services Industry sector is an economic activity that produces financial services.For example = Banking, Capital markets, insurance, pension funds, financing institutions, and other financial services institutions.
There are terms that need to be known, and regulated in the Law of the Republic of Indonesia Number 21 of 2011 on the Financial Services Authority. It is said:1. Financial Services Authority (OJK) is an independent institution and free from interference of parties
other, having the functions, duties and authority of arrangement, supervision, inspection, and
investigation as referred to in this Act.2. The Board of Commissioners shall be the highest leaders of the collective and collective OJK.3. The Chief Executive is a member of the board of commissioners assigned to lead the exercise
overseeing financial services activities and reporting the execution of its duties to the Board
Commissioner.4. Financial Services Institution is an institution conducting activities in banking sector, market
capital, insurance, pension funds, financial institutions, and other financial services institutions.
C. Features of Entities Included in the Financial Services Industry Sector
The characteristics of entities that are included in the financial services industry sector include:1. Produce Services.2. Selling services, either cash or credit.
D. Entities Included in the Financial Services Industry Sector in Indonesia
If noted, entities engaged in financial services can be divided into 3 fields, namely the name of entity, business, and ownership.1. Entity Name
a. Banking, such as Bank Indonesia, BRI, BNI 1946, Bank Jabar Banten, BCA, BPR, Bank
Muamalat.
b. Capital Market, such as PT Bursa Efek Jakarta.
c. Insurance, for example Life Insurance Kingdom, Earth Putera, and Prudential.
d. Pension Fund, for example Pension Fund Provider (DPPK) san Dana Pensiun Lembaga
Finance.
e. Financing Institution, for example PT Pembinaan Usaha Indonesia and PT Indonesia Investment
International.
f. Other Financial Services, for example Perum Pegadaian.
2. Field of Business
Includes:
a. Banking is everything that concerns about banks, including institutions,
business activities, as well as ways and processes in carrying out its business activities
conventional and sharia as referred to in the banking law
and laws concerning sharia banking.
b. The Capital Market is an activity concerned with a Public Offering and a trade
securities, public entities relating to their published securities, as well as institutions and
professions relating to the securities referred to in the law regarding
capital market.
c. Insurance is an insurance business that moves in the insurance business sector, namely business
financial services by collecting public funds through the collection of insurance premiums
provide protection to members of the community of insurance service users against
incidence due to an uncertain event or to life or death
a person, a reinsurance business, and a supporting business of insurance and actuarial services,
as defined in the insurance company law.
d. Pension Funds are legal entities tat manage and run promising programs
pension benefits as referred to in the pension fund law.
e. Financial Institution is a business entity pawnshops, lending institutions, institutions
financing of Indonesian exports, secondary housing finance entities, and institutions
to organize a mandatory public fund management, including the organizers
a mandatory public guarantee program, including the organizer of a guarantee program
social, pension and welfare, as referred to in the laws and regulations
regarding the pawnshop, guarantee, Indonesian export financing institution, financing entity
secondary housing, and mandatory community fund management, as well as institutions
other finances declared OJK overseen by virtue of legislation.
3. Ownership
Based on its ownership, entities in the financial services sector, including:
a. Government-owned service entities, such as Bank Indonesia, BRI, and BNI.
b. Private service entities, such as BCA, Bank Muamalat, and CIMB NIAGA.
c. Foreign-owned service entities, eg Bank of America and Chase Manhattan Bank.
As for its ownership, an insurance entity, including:
a. Government insurance service entities, such as PT Asuransi Jiwa Raya and PT Jasa Raharja.
b. Private service entities, such as PT Bumi Putera
c. Foreign service entities, for example Prudential and Allianz
Translate :A. Definition of Service Industry Sector
According to Law no. 5 of 1984 concerning Industry, Industry is an economic activity that processes raw materials, raw materials, semi-finished goods and / or finished goods into goods of higher value for their use, including engineering and engineering activities.
The Service Industry sector is an economic activity that produces services.For example: Financial services, entertainment services, transportation services, packing services, laundry services, salon services, health services, hotel services, and cloth fabrics industries.
B. Understanding of Financial Services Industry Sector
The Financial Services Industry sector is an economic activity that produces financial services.For example = Banking, Capital markets, insurance, pension funds, financing institutions, and other financial services institutions.
There are terms that need to be known, and regulated in the Law of the Republic of Indonesia Number 21 of 2011 on the Financial Services Authority. It is said:1. Financial Services Authority (OJK) is an independent institution and free from interference of parties
other, having the functions, duties and authority of arrangement, supervision, inspection, and
investigation as referred to in this Act.2. The Board of Commissioners shall be the highest leaders of the collective and collective OJK.3. The Chief Executive is a member of the board of commissioners assigned to lead the exercise
overseeing financial services activities and reporting the execution of its duties to the Board
Commissioner.4. Financial Services Institution is an institution conducting activities in banking sector, market
capital, insurance, pension funds, financial institutions, and other financial services institutions.
C. Features of Entities Included in the Financial Services Industry Sector
The characteristics of entities that are included in the financial services industry sector include:1. Produce Services.2. Selling services, either cash or credit.
D. Entities Included in the Financial Services Industry Sector in Indonesia
If noted, entities engaged in financial services can be divided into 3 fields, namely the name of entity, business, and ownership.1. Entity Name
a. Banking, such as Bank Indonesia, BRI, BNI 1946, Bank Jabar Banten, BCA, BPR, Bank
Muamalat.
b. Capital Market, such as PT Bursa Efek Jakarta.
c. Insurance, for example Life Insurance Kingdom, Earth Putera, and Prudential.
d. Pension Fund, for example Pension Fund Provider (DPPK) san Dana Pensiun Lembaga
Finance.
e. Financing Institution, for example PT Pembinaan Usaha Indonesia and PT Indonesia Investment
International.
f. Other Financial Services, for example Perum Pegadaian.
2. Field of Business
Includes:
a. Banking is everything that concerns about banks, including institutions,
business activities, as well as ways and processes in carrying out its business activities
conventional and sharia as referred to in the banking law
and laws concerning sharia banking.
b. The Capital Market is an activity concerned with a Public Offering and a trade
securities, public entities relating to their published securities, as well as institutions and
professions relating to the securities referred to in the law regarding
capital market.
c. Insurance is an insurance business that moves in the insurance business sector, namely business
financial services by collecting public funds through the collection of insurance premiums
provide protection to members of the community of insurance service users against
incidence due to an uncertain event or to life or death
a person, a reinsurance business, and a supporting business of insurance and actuarial services,
as defined in the insurance company law.
d. Pension Funds are legal entities tat manage and run promising programs
pension benefits as referred to in the pension fund law.
e. Financial Institution is a business entity pawnshops, lending institutions, institutions
financing of Indonesian exports, secondary housing finance entities, and institutions
to organize a mandatory public fund management, including the organizers
a mandatory public guarantee program, including the organizer of a guarantee program
social, pension and welfare, as referred to in the laws and regulations
regarding the pawnshop, guarantee, Indonesian export financing institution, financing entity
secondary housing, and mandatory community fund management, as well as institutions
other finances declared OJK overseen by virtue of legislation.
3. Ownership
Based on its ownership, entities in the financial services sector, including:
a. Government-owned service entities, such as Bank Indonesia, BRI, and BNI.
b. Private service entities, such as BCA, Bank Muamalat, and CIMB NIAGA.
c. Foreign-owned service entities, eg Bank of America and Chase Manhattan Bank.
As for its ownership, an insurance entity, including:
a. Government insurance service entities, such as PT Asuransi Jiwa Raya and PT Jasa Raharja.
b. Private service entities, such as PT Bumi Putera
c. Foreign service entities, for example Prudential and Allianz