Jenis Jenis Deposito

Deposito merupakan salah satu produk penyimpanan uang di bank dengan sistem penyetoran dan juga penarikannya hanya bisa dilakukan pada waktu tertentu. Berbeda dengan tabungan yang biasanya yang bisa Anda akses kapanpun, deposito akan mengenakan sejumlah potongan atau penalti pada tabungan Anda apabila Anda memaksa untuk mengambilnya sebelum jatuh waktunya. Waktu pengambilannya variatif bisa Anda pilih dari 1, 3, 6, 12, atau bisa juga 24 bulan. Kelebihan utama dari memiliki deposito adalah tingkat suku bunga bank yang diberikan lebih besar daripada produk tabungan biasa, oleh sebab itulah sebagai gantinya Anda tidak diperbolehkan mengambil uang tersebut dalam jangka waktu yang telah ditentukan.

 

Jangka waktu pengambilan deposito juga dapat diperpanjang secara otomatis dengan menggunakan sistem ARO (Automatic Roll Over). Dengan sistem tersebut, ketika deposito Anda sudah jatuh tempo akan diperpanjang dengan sendirinya sampai si pemilik mencairkannya. Dengan kata lain, uang Anda akan berakumulasi dengan sendirinya, oleh karena itu deposito merupakan pilihan favorit bagi orang-orang yang sedang mencari bahan investasi terutama bagi para investor pemula.

 

Jenis jenis deposito

  1. Deposito Berjangka

Deposito berjangka adalah jenis deposito yang paling sering digunakan. Sesuai namanya, ciri khas dari deposito berjangka adalah jenis tabungan berjangka yang dimunculkan menurut jangka waktu tertentu mulai dari 1, 2, 3, 6, 12, 18, atau 24 bulan sesuai dengan tanggal yang telah disepakati antara nasabah dan pihak bank. Oleh karena uang yang disimpan hanya bisa diambil ketika jatuh tempo oleh pihak yang tertera pada bilyetnya (bisa perorangan atau lembaga).

 

  1. Sertifikat Deposito

Sertifikat Deposito adalah simpanan dana yang diberikan pada nasabah dengan jangka waktu 3, 6, atau 12 bulan yang disertai dengan sertifikat. Sertifikat tersebut tidak mengacu pada nama seseorang atau lembaga tertentu karena sertifikat tersebut nantinya dapat digunakan untuk memindahtangankan atau bisa juga dijual pada pihak lain. Pencairan bunga dari sertifikat deposito dapat dilakukan di muka, tiap bulan, atau tiap jatuh tempo, baik tunai maupun non tunai.

 

  1. Deposito On Call

Deposito on call adalah tabungan berjangka dengan waktu minimal tujuh hari atau paling lama kurang dari satu bulan. Deposito ini diterbitkan dengan diatasnamakan oleh nasabah dan dalam jumlah yang besar. Besarnya bunga bisa dihitung perbulan tergantung negosiasi antara nasabah dengan pihak bank. Pencairan bunganya bisa dilakukan pada saat pencairan deposito on call dengan catatan bahwa nasabah sudah memberitahukan sebelumnya bahwa tabungannya akan diambil atau dicairkan.

 

Kelebihan dan Kekurangan Deposito

Deposito berjangka memiliki banyak sekali keuntungan. Salah satu keuntungannya adalah suku bunga yang lebih tinggi daripada rekening tabungan biasa. Kemudian, risiko kehilangan uang juga sangat kecil, oleh sebab itulah deposito merupakan satu bentuk investasi yang sering digunakan banyak orang. Walaupun banyak kelebihan lainnya, deposito memiliki sejumlah kekurangan juga. Berikut adalah kelebihan dan kekurangan deposito:

 

Kelebihan:

(+) Sarana Investasi yang Baik

Salah satu keuntungan utamanya adalah deposito merupakan salah satu sarana berinvestasi yang tepat dan dijamin Lembaga Penjamin Simpanan (LPS) dengan beberapa syarat dan ketentuan yang harus dipenuhi. Selain itu, dengan menggunakan deposito berjangka maka nilai pokok dari uang yang diinvestasikan juga dapat terjaga. Oleh karena itu deposito berjangka berbeda dengan bentuk investasi lainnya seperti saham dan obligasi, di mana bentuk investasi tersebut memiliki risiko berupa nilai pokok dari kedua investasi tersebut ada kemungkinan berkurang. Nilai pokok obligasi sangat bergantung pada pergerakan suku bunga, jadi ketika suku bunga naik, maka harga obligasi akan turun. Begitu juga dengan saham yang nilainya bergantung pada kondisi pasar.

 

(+) Suku Bunga Lebih Tinggi

Suku bunga deposito lebih tinggi daripada jenis tabungan yang biasa. Nasabah yang mendepositkan tabungannya juga bisa mengharapkan imbal hasil yang lebih baik dibandingkan dengan menyimpan uang dalam rekening tabungan.

 

(+) Bunga Deposito Mudah Diakses

Meski deposito tidak memperbolehkan pemiliknya untuk mengakses uangnya setiap saat, tetapi beberapa bank di Indonesia telah memberikan kemudahan bagi para nasabahnya untuk mengambil bunga deposito atau mentransfer ke rekening yang dikehendaki. Dengan demikian, nasabah masih bisa menerima pendapatan rutin dalam bentuk pembayaran bunga pada interval waktu tertentu.

 

(+) Risiko Kerugian Kecil

Selain terlindung dari risiko fluktuasi pasar, deposito di Indonesia juga dilindungi oleh LPS (Lembaga Penjamin Simpanan) yaitu lembaga yang akan menjaga uang yang disimpan oleh nasabah. Jadi, apabila bank tempat nasabah menyimpan uang mengalami kebangkrutan, maka lembaga tersebut akan menjamin dana setiap nasabah hingga Rp2 Milyar dengan suku bunga maksimal 7,5% di setiap bank, dengan catatan bank yang Anda gunakan terdaftar dalam LPS.

Kekurangan:

(-) Imbal Hasil Rendah

Memang deposito adalah bentuk investasi yang paling aman diantara yang lainnya, namun sebagai gantinya imbal hasil yang bisa diberikan dari deposito tergolong rendah atau paling rendah diantara bentuk investasi lainnya.

 

(-) Lemah Terhadap Inflasi

Bunga deposito bisa menjadi tidak ada artinya ketika terjadi inflasi yang tinggi. Sebagai informasi tambahan, ketika tingkat inflasi pada bulan maret 2013 di indonesia mencapai angka 5.9%, sedangkan rata-rata suku bunga deposito saat itu adalah berkisar 3,5% sampai 5,5%. Jumlah tersebut masih belum termasuk potongan pajak 20% bunga untuk deposito di atas Rp7,5 juta.

 

(-) Nilai Investasi Tidak Bisa Bertambah

Tidak ada cara apapun yang bisa dilakukan untuk meningkatkan nilai investasi. Hal tersebut dikarenakan oleh tidak adanya kesempatan bagi nasabah pemilik deposito untuk terlibat langsung dalam pengelolaanya.

 

(-) Akses Terbatas

Seperti yang sudah disebutkan sebelumnya, uang yang telah didepositokan oleh nasabah pada pihak bank tidak boleh diambil sebelum jatuh tempo. Apabila nasabah terpaksa ingin mengambil uang tersebut, maka uang yang didepositokan akan terkena potongan penalti.

Ketentuan Pajak Deposito

Dalam mendapatkan suku bunga dari deposito, ada sebuah pajak khusus yakni pajak atas bunga deposito dan tabungan. Pajak tersebut memiliki besaran persentase 20% apabila nilai deposito di atas Rp7,5 juta. Pajak tersebut akan mengurangi nilai suku bunga yang didapatkan oleh nasabah. Semakin besar suku bunga yang diperoleh, maka semakin besar pula pajaknya. Pajak bunga deposito tersebut berdasarkan peraturan direktorat jenderal pajak yaitu:

  • PP 131 Tahun 2000 (berlaku sejak 1 Januari 2001) tentang PPh atas bunga deposito dan tabungan serta diskonto SBI
  • KMK-51/kmk.04/2001 (berlaku sejak 1 Januari 2001) tentang pemotongan PPh atas bunga deposito dan tabungan serta diskonto SBI
  • SE-01/PJ.43/2001 (berlaku sejak 1 Januari 2001) tentang PP 131 Tahun 2000

Tahap-Tahap Pengajuan Deposito

Untuk kemudahan Anda dalam mendaftar sebagai nasabah deposito, kami akan memberikan sedikit pengetahuan mengenai tahap-tahap yang dilalui. Tahapannya adalah sebagai berikut:

  1. Nasabah diharuskan telah memiliki rekening di bank tempat akan mendaftar deposito
  2. Siapkan KTP dan NPWP sebagai persyaratan pembukaan deposito
  3. Siapkan sejumlah dana untuk pembayaran biaya materai yang akan digunakan
  4. Tentukan tenor dan jenis deposito berdasarkan produk-produk yang ditawarkan oleh pihak bank
  5. Isi formulir pendaftaran deposito dengan lengkap dan sebenar-benarnya
  6. Ikuti arahan dari CS ketika sedang membuka deposito
  7. Setelah dinyatakan berhasil, nasabah akan menerima bilyet sebagai bukti kepemilikan deposito
  8. Simpan dengan baik bukti tersebut yang nantinya digunakan ketika pencairan dana deposito

 

Memilih Bank Deposito

Sebelum Anda menggunakan produk deposito, ada baiknya Anda mengetahui beberapa hal terlebih dahulu. Berikut adalah beberapa poin yang perlu diperhatikan ketika Anda akan memilih bank tempat Anda akan mendepositkan uang Anda dan bisa juga dijadikan sebagai acuan untuk memilih bank yang baik.

 

  1. Reputasi Bank

Memperhatikan reputasi Bank adalah hal yang penting sebelum Anda menaruh uang Anda disana. Bank tempat Anda membuat deposito harus memenuhi standar kesehatan oleh Bank Indonesia. Hal ini diperlukan untuk menghindari diri Anda dari risiko kebangkrutan Bank kelak. Selain itu, dengan reputasi yang baik, Bank juga biasanya memiliki standar pelayanan yang baik dan memuaskan nasabah, sehingga selain aman, Anda juga akan merasa nyaman memiliki deposito di Bank tersebut.

 

  1. Suku Bunga Deposito

Tentu saja, besaran bunga deposito menjadi salah satu pertimbangan Anda sebelum memilih Bank yang paling tepat. Mencari tahu damembandingkan bunga deposito antar Bank akan membantu Anda untuk melihat siapa yang menawarkan bunga deposito tertinggi bagi Anda. Semakin tinggi bunga deposito, maka semakin besar keuntungan yang Anda dapatkan.

 

  1. Jangka Waktu Deposito

Perbedaan jangka waktu deposito juga berdampak pada besaran bunga deposito yang diberikan oleh Bank. Jangka waktu yang ditawarkan untuk deposito adalah mulai dari 1 bulan, 3 bulan, 6 bulan, 12 bulan, dan 24 bulan. Pilihlah jangka waktu yang sesuai dengan kebutuhan Anda ke depan. Setelah menentukan jangka waktu, Anda baru bisa melakukan perbandingan bunga deposito antar Bank

 

  1. Biaya Deposito

Tidak semua Bank memberlakukan biaya administrasi per bulan serta biaya penalti jika Anda melakukan penarikan uang sebelum jatuh tempo. Tapi, lebih baik pastikan dulu apakah Bank yang Anda inginkan memiliki biaya-biaya tersebut atau tidak dan juga perhatikan besarnya biaya. Pilihlah yang paling menguntungkan bagi keuangan Anda.

 

  1. Penarikan Dana Sebelum Jatuh Tempo

Penarikan tersebut biasanya disebut dengan penalti. Biaya penalti akan diberlakukan apabila nasabah menarik tabungannya sebelum waktu deposito habis. Kebanyakan bank akan menghilangkan kesempatan untuk memperoleh bunga sebagai penaltinya, tetapi kebijakan di setiap bank bisa saja berbeda-beda.

 

  1. Fitur yang Diberikan

Ketahui juga fitur apa saja yang diberikan oleh pihak bank pada nasabah yang menggunakan deposito. Apakah bank tersebut menggunakan fasilitas perpanjangan deposito otomatis atau disebut dengan (Automatic Roll Over) yang akan sangat memudahkan transaksi nasabah.

sumber : cermati.com

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