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Ta File 7 Abstrak.Pd ABSTRAK Yogi Nugraha (61130051), Analisa Simpanan Giro Pada PT. Bank Tabungan Negara (BTN) (Persero) Tbk. Kantor Cabang Jakarta Cawang PT. Bank Tabungan Negara (Persero) adalah bank umum atau komersial dimana sumber dananya berasal dari masyarakat yang terdiri dari simpanan Giro (Demand Deposit), simpanan tabungan (Save Deposit), dan simpanan deposito (Time Deposit). Pada mulanya masyarakat hanya mengenal tabungan saja sebagai salah satu penyimpanan uang, tanpa menyadari bahwa ada cara lain yang juga bisa dijadikan suatu alat penyimpanan seperti halnya giro. Giro merupakan suatu bentuk produk dari bank sebagai sumber dana yang bisa diminati dan menarik perhatian masyarakat, karena bisa dijadikan suatu jaminan kredit. Kini dengan adanya Giro, nasabah bisa mngeluarkan uangnya kapan saja dan kepada siapa saja hanya dengan mengisi lembaran cek atau pendebetan ke rekening lain dengan menggunakan bilyet giro yang telah ada, tidak seperti halnya tabungan yang hanya bisa diambil oleh penabungnya saja. Metode pengumpulan data dalam penyusunan Tugas Akhir adalah metode observasi, wawancara, dan studi pustaka dengan metode analisanya berupa analisis kualitatif yaitu metode analisis data tanpa menggunakan analisis statistik. Simpanan Giro BTN terdiri dari 2 jenis yaitu Giro BTN dan Giro Valas BTN. Perkembangan sumber dana Giro pada tahun 2013 sampai dengan tahun 2015 mengalami fluktuasi, dimana pada tahun 2014 nilai giro mengalami penurunan sebesar Rp.2.805.704 juta atau 47% dari Rp. 6.020.095 juta di tahun 2013 menjadi Rp. 3.214.391 juta di tahun 2014, Sedangkan di tahun 2015 giro BTN mengalami kenaikan sebesar Rp. 1.859.427 juta atau sebesar 58% dari Rp. 3.214.391 juta di tahun 2014 menjadi Rp. 5.073.818 juta ditahun 2015. Perbandingan simpanan selama 3 tahun (2013-2015), Deposito merupakan simpanan yang paling diminati masyarakat dengan presentase 68% disusul Tabungan dengan presentase 20% dan yang terendah adalah Giro dengan presentase 12%. Kata Kunci : Bank, Giro, Perkembangan Giro, Perbandingan nilai Giro viii ABSTRACT Yogi Nugraha (61130051), Analysis of demand deposit on PT. Bank Tabungan Negara (BTN) (Persero), Cawang, Jakarta Branch office PT. Bank Tabungan Negara is a public or commercial bank where the funds originate from a society consisting of Demand Deposit, Save Deposit, and Time deposit. At first, people only know it as one of the savings deposit money , without realizing that there are other ways that also can be used as a storage device as well as Demand Deposit. Demand Deposit is a product from the bank as a source of funds that could be of interest and attract the attention of the public , because it can be used as a credit guarantee. Now with the Demand Deposit, customers can spend money anytime and to anyone just to fill out the check or debit the account to another by using the giro that already exist , not as well as savings that could only be taken by owner alone.Data collection methods in the preparation of the final project is a method of observation, interviews, and analysis methods library study of qualitative analysis without the use of statistical analysis. Demand Deposit BTN consists of two types namely Giro BTN and Giro Valas BTN. The development of funding sources Giro in 2013 to 2015 fluctuated , where in 2014 the value of demand deposits decreased by Rp.2.805.704 million or 47 % from Rp . 6,020,095 million in 2013 to Rp . 3,214,391 million in 2014 , while in 2015 BTN demand deposits increased by Rp . 1,859,427 million or by 58 % from Rp . 3,214,391 million in 2014 to Rp . 5,073,818 million by 2015. Comparison of deposits for 3 years ( 2013-2015 ) , Time Deposit is a deposits of the most desirable communities with a percentage of 68 % , followed Save Deposit with a percentage of 20 % and the lowest is the Demand Deposit with a percentage of 12 % . Keywords : Bank , Demand Deposit, Demand Deposit Development , Comparison of Demand Deposit ix .
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