Syifa Fuadiyah Rinadi - 1988203015 - Final Test Answer

Name : Syifa Fuadiyah Rinadi
NPM : 1988203015
Class : 5A
Final Test Answer!
1. A. Land Loans, Recreational Vehicle (RV) Loans, Pawnshop Loans, Boat Loans, Personal loan,
Business loan, Debt Consolidation Loans, Home Equity Loans, Student Loans, Auto Loans
B. First thing you should know is about loan terms in a bank, then choose the bank that suit with
what you needed, the main thing is how you can get the loans, go to the bank, you have to bring
your identity card, a photocopy of income or salary slip, NPWP, a photocopy of saving books,
Collateral ownership documents such as BPKB or certificates. Then fill the loan form, after that
the bank will procces your application, and the bank’s agent will come survey (in your
house,your business, it’s up to your loan submission), after that if you’re considered meet the
requirements, bank will accept your loan submission, after the loan is approved, all you have to
do is sign a loan agreement with bank, the bank will immediately disburse the loan funds to an
account with an approved nominal.
2. A. Investment banks control masses of capital. for that reason, these banks can finance huge tasks
like a dam, railroad, etc. without the assist of funding banks, huge infrastructural tasks aren't
feasible. those banks make contributions lots to the country’s economy.
B. Private banking is supposed to help rich individuals and massive institutions maintain and
develop their wealth/property, whilst Investment banking is set assisting massive agencies
buy/promote companies or raise capital thru equity or debt.
3. A. Retail bank products : Checking and savings accounts, Certificates of deposit (CDs),
Mortgages, Automobile financing, Credit cards, Lines of credit such as home equity lines of
credit (HELOCs) and other personal credit products, Foreign currency and remittance services.
Financial bank products : Checking Accounts, An account at a financial institution that allows for
withdrawals and deposits, Savings Accounts, Money Market Accounts, Certificates of Deposit,
Mortgages, Home Equity Loans, Auto Loans, Personal Loans, Credit Cards, Debit Cards, ATM
Cards,Cashier’s Checks, Money Orders, Foreign Currency Exchange.
B. Fill the form requirments on online website or you can go to the bank, bring identity card,
(another requirments is up to the bank, for e.g in BSI the customer should bring NPWP), bring
money, after you filled the form, the bank will procces it, then the bank’s agent will give you
saving book, or also they will give you ATM card, and mobile banking
4. A. Andhra Pradesh State Co-operative Bank Ltd, The Bihar State Co-operative Bank Ltd,
Chhatisgarh Rajya Sahakari Bank Maryadit,The Goa State Co-operative Bank Ltd, The Gujarat
State Co-operative Bank Ltd, Haryana Rajya Sahakari Bank Ltd etc.
B. Cooperative banks are owned through their customers and observe the cooperative precept of 1
man or woman, one vote. Co-operative banks are regularly regulated under each banking and
cooperative rule. They offer services consisting of savings and loans to non-contributors as well
as to members, and some take part within the wholesale markets for bonds, money, and even
equities. Many cooperative banks are traded on public stock markets, with the result that they are
partially owned with the aid of non-individuals. Member management may be diluted by these
outdoor stakes, so they'll be regarded as semi-cooperative.
5. A. Have to join the membership, credit union members must have something in not unusual to
join a credit score union. Many credit score unions require you to paintings for a certain
employer, stay in a particular place, be a part of a particular group (like a school or an exertions
union), or have a family member who is already a credit union member to sign up for. In case you
don’t meet any of the membership requirements, some credit score unions let you come to be a
member via becoming a member of an organization for a small rate. as an instance, you could
turn out to be a PenFed credit score Union member via joining Voices for America's Troops or
the national military own family affiliation. both agencies fee a one-time-handiest nonrefundable
dues charge of $17.
B. Because credit unions has limited members and Credit unions tend to have lower prices and
higher interest costs on financial savings accounts and loans, even as banks' cell apps and online
era have a tendency to be greater advanced. A few credit unions offset this gain with a CO-OP
Shared department community of 5,600 branches and extra than 54,000 surcharge-loose ATMs.

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