Deposito

 

Definisi Deposito

 

Deposito adalah simpanan yang pencairannya hanya dapat dilakukan pada jangka waktu tertentu dan syarat-syarat tertentu. Karakteristik deposito dari bank antara lain adalah:

  1. Deposito dapat dicairkan setelah jangka waktu berakhir.
  2. Deposito yang akan jatuh tempo dapat diperpanjang secara otomatis atau automatic roll over (ARO).
  3. Deposito dapat dalam mata uang rupiah maupun dalam mata uang asing.

Deposito Berjangka

  1. Merupakan simpanan yang pencairannya dilakukan berdasarkan jangka waktu tertentu.
  2. Umumnya mempunyai jangka waktu mulai dari 1, 3, 6, dan 12 sampai dengan 24 bulan.
  3. Diterbitkan dengan mencantumkan nama pemilik deposito baik perorangan maupun lembaga.
  4. Kepada setiap deposan diberikan bunga yang besarnya dan waktu pembayarannya sesuai dengan yang berlaku di masing-masing bank.
  5. Pembayaran bunga deposito dapat dilakukan setiap bulan atau setelah jatuh tempo sesuai jangka waktunya.
  6. Pembayaran dapat dilakukan secara tunai maupun non tunai (pemindahbukuan).
  7. Kepada setiap deposan dengan nominal deposito tertentu dikenakan pajak penghasilan dari bunga yang diterimanya.
  8. Pencairan deposito sebelum jatuh tempo umumnya dikenakan denda.

Sertifikat Deposito

  1. Merupakan simpanan yang diterbitkan dengan jangka waktu 1, 3, 6 dan 12 bulan.
  2. Sertifikat Deposito diterbitkan atas unjuk dalam bentuk Sertifikat, tanpa mencantumkan nama pemilik deposito.
  3. Sertifikat Deposito dapat diperjualbelikan kepada pihak lain.
  4. Pembayaran bunga Sertifikat Deposito dapat dilakukan di muka, tiap bulan atau pada saat jatuh tempo, baik tunai maupun non tunai.

Keuntungan Memiliki Deposito

  1. Dapat dijadikan agunan/jaminan kredit.
  2. Memperoleh hasil bunga yang umumnya lebih tinggi dari bentuk simpanan lainnya.
  3. Dapat mengelola keuangan secara lebih terencana sesuai dengan kebutuhan dan jangka waktu deposito.
  4. Dijamin oleh Lembaga Penjaminan Simpanan (LPS)

Hal-hal Yang Harus Diperhatikan

  1. Pastikan Anda menerima bilyet/surat berharga (Deposito Berjangka atau Sertifikat Deposito).
  2. Pada saat jatuh tempo, Anda berhak menerima pokok dan bunga deposito sesuai bunga yang berlaku setelah dipotong pajak.
  3. Pada saat pencairan deposito, Anda berkewajiban untuk menandatangani formulir pencairan.
  4. Perhatikan tingkat suku bunga deposito yang berlaku dan pastikan telah sesuai dengan ketentuan Lembaga Penjamin Simpanan (LPS). 

Sumber : ojk.go.id

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