Kewajiban dan tanggung jawab peserta dalam kliring

<div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: .5in; text-align: justify;"> <span lang="IN" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: IN;">Skema Tolakan Kliring dapat digambarkan melalui skema sbb :</span></div> <table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody> <tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKqvBqfNs014MYq_WWMg702FSLOx9-_uIOgG8kzAo_v_eJsV9OCqOj2JdOsvrie_SIRvmKVEAhnJamMpAahLzIjrPWMfk5L9YieQ2vdRiqE8pwL6h2yS-BgL7CK8GWM7NJ_GLzNlm3/s1600/kliring3.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="224" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKqvBqfNs014MYq_WWMg702FSLOx9-_uIOgG8kzAo_v_eJsV9OCqOj2JdOsvrie_SIRvmKVEAhnJamMpAahLzIjrPWMfk5L9YieQ2vdRiqE8pwL6h2yS-BgL7CK8GWM7NJ_GLzNlm3/s320/kliring3.png" width="320" /></a></td></tr> <tr><td class="tr-caption" style="text-align: center;">Bank Bi</td></tr> </tbody></table> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: .5in; text-align: justify;"> <span lang="IN" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: IN;"> <o:p></o:p></span><b style="line-height: 150%; text-indent: -16.5pt;"><span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-ansi-language: EN-GB;">S</span></b><b style="line-height: 150%; text-indent: -16.5pt;"><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">istem Kliring Nasional – Bank <st1:country-region w:st="on"><st1:place w:st="on">Indonesia</st1:place></st1:country-region> </span></b><b style="line-height: 150%; text-indent: -16.5pt;"><span lang="EN-GB" style="font-family: "Arial","sans-serif"; mso-ansi-language: EN-GB;">(SKNBI)</span></b></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 93.5pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: .75in 93.5pt; text-align: justify;"> <b><span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: EN-GB;">Sistem Kliring Nasional Bank Indonesia (SKNBI)</span></b><span lang="EN-GB" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: EN-GB;"> adalah sistem kliring yang diselenggarakan oleh Bank <st1:place w:st="on"><st1:country-region w:st="on">Indonesia</st1:country-region></st1:place> yang meliputi Kliring Debet dan Kliring Kredit yang penyelesaian akhirnya dilakukan secara nasional. <o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 1.3in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -.1pt;"> <b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Tujuan Bank Indonesia dalam mengembangkan SKNBI adalah :<o:p></o:p></span></b></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l1 level1 lfo8; tab-stops: list 115.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">1.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Meningkatkan efisiensi sistem pembayaran ritel saat ini. Dengan menerapkan sistem  Kliring Kredit dan Sistem Kliring Debet. Secara Nasional, diharapkan dapat memecahkan permasalahan operasional perbankan karena keragaman sistem kliring yang ada saat ini<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l1 level1 lfo8; tab-stops: .25in list 115.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">2.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Meningkatkan efisiensi biaya operasional bank dalam pencetakan dan proses administrasi nota kredit.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l1 level1 lfo8; tab-stops: .25in list 115.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">3.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Memperluas jangkauan layanan bank kepada nasabah.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l1 level1 lfo8; tab-stops: list 115.5pt left 121.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">4.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Mempercepat penyelesaian transaksi melalui kliring. </span><span lang="SV" style="font-family: "Tahoma","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;"><o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 1.3in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -.1pt;"> <b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Secara garis besar SKNBI </span></b><b><span lang="IN" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: IN;">terdiri dari </span></b><b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;"> :<o:p></o:p></span></b></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: 9.0pt; text-align: justify; text-indent: -27.5pt;"> <span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">1.      Sistem Sentral Kliring (SSK) merupakan bagian dari SKN yang  berlokasi di kantor pusat bank Indonesia yang di gunakan untuk menampung dan memproses seluruh transaksi kliring.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -27.5pt;"> <span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">2.      Komputer Penyelenggara Kliring (KPK) merupakan bagian dari SKN yang digunakan  oleh penyelenggara untuk memproses transaksi Kliring Kredit Debet.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -27.5pt;"> <span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">3.      Terminal Peserta Kliring (TPK) merupakan bagian dari SKN yang digunakan oleh peserta kliring untuk melakukan kegiatan-kegiatan dalam transaksi Kliring baik untuk Kliring Kredit maupun Kliring Debet. <o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.95pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l3 level2 lfo5; tab-stops: list .4in; text-align: justify; text-indent: -28.9pt;"> <!--[if !supportLists]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">2.1<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;">       </span></span></b><!--[endif]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Warkat dan Dokumen Kliring<o:p></o:p></span></b></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.05pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Warkat Debet yang diperhitungkan dalam SKNBI adalah  Cek/ Biltet Giro/ Wesel/ Nota Debet dan Warkat Debet lainnya yang disetujui Bank Indonesia untuk dikliringkan dalam wilayah kliring setempat secara sentralisasi.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.95pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l3 level2 lfo5; tab-stops: list .4in; text-align: justify; text-indent: -28.9pt;"> <!--[if !supportLists]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">2.2<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;">       </span></span></b><!--[endif]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Kewajiban & Tanggung-jawab Peserta Dalam Kliring Debet<o:p></o:p></span></b></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.5pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <u><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Peserta Pengirim<o:p></o:p></span></u></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 137.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l0 level1 lfo1; tab-stops: list 137.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">1.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Dalam menerima setoran Warkat Debet wajib memperhatikan ketentuan yang berlaku (KYC dsb)<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 137.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l0 level1 lfo1; tab-stops: list 137.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">2.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Wajib mengkliringkan Warkat Debet dari nasabah dengan batas waktu yang ditetapkan<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 137.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l0 level1 lfo1; tab-stops: list 137.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">3.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Wajib mengkredit rekening nasabah sesuai dengan batas waktu yang ditetapkan (jika clear)<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 137.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l0 level1 lfo1; tab-stops: list 137.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">4.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Bertanggung jawab atas kesesuaian DKE Debet dengan data pada Warkat Debet dan kelengkapan penyampaian Warkat Debet dan DKE Debet<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 137.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l0 level1 lfo1; tab-stops: list 137.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-size: 11.0pt; line-height: 150%;">5.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">         </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Bertanggung-jawab jika Warkat Debet direject oleh mesin baca pilah dan tidak terproses karena kesalahan peserta pengirim<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.5pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <u><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Peserta Penerima <o:p></o:p></span></u></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 137.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l4 level1 lfo2; tab-stops: 1.0in list 137.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Meneliti dan mencocokkan Warkat Debet yang diterima dengan laporan yang berisi daftar DKE Debet yang diterima dari Penyelenggara Kliring<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 137.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l4 level1 lfo2; tab-stops: list 137.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Menolak Warkat Debet / DKE Debet berdasarkan dengan alasan penolakan<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 137.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l4 level1 lfo2; tab-stops: list 137.5pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Bertanggung jawab jika Warkat debet direject oleh mesin baca pilah & tidak terproses karena kelalaian peserta penerima. <o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 115.95pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l3 level2 lfo5; tab-stops: list .4in; text-align: justify; text-indent: -28.9pt;"> <!--[if !supportLists]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">2.3<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;">       </span></span></b><!--[endif]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Kewajiban & Tanggung-jawab Peserta Dalam Kliring Kredit<o:p></o:p></span></b></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <u><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Peserta Pengirim<o:p></o:p></span></u></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 143.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l2 level1 lfo3; tab-stops: list 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Wajib mensyaratkan kepada nasabahnya untuk mengisi Aplikasi Transfer secara lengkap dan benar, khususnya dalam pengisian status Penduduk (Resident / Non Resident) dan status kewarganegaraan (WNI/WNA) serta memperhatikan KYC dsb<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 143.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l2 level1 lfo3; tab-stops: list 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Wajib mengkliringkan transfer dari nasabah sesuai batas waktu dan pendebetan rekening nasabah pada hari yang sama dengan tanggal kliring<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 143.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l2 level1 lfo3; tab-stops: list 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Bertanggung-jawab atas pembuatan DKE Kredit yang dikliringkan dan penyediaan dana covernya<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 143.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l2 level1 lfo3; tab-stops: list 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Wajib mengkliringkan DKE Kredit sesuai dengan perintah yang dibuat oleh nasabah.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <u><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Peserta Penerima<o:p></o:p></span></u></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 143.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l6 level1 lfo4; tab-stops: list 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Wajib melakukan verifikasi atas transfer kredit yang diterima melalui kliring kredit sesuai ketentuan yang berlaku ( KYC dsb )<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 143.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l6 level1 lfo4; tab-stops: list 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Wajib meneruskan dana kepada nasabah dengan mencocokkan nomor rekening dan nama penerima dana. </span><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Jika tidak memiliki rekening, wajib mencocokkan identitas penerima dana.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 143.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l6 level1 lfo4; tab-stops: list 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Membukukan transfer masuk sesuai dengan perintah transfer dari peserta pengirim.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 143.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l6 level1 lfo4; tab-stops: list 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Wajib meneruskan dana yang ditujukan kepada nasabah penerima dana segera setelah BI melakukan penyelesaian akhir kliring.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <br /></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 16.5pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -16.5pt;"> <b><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: SV;">3.  S</span></b><b><span lang="IN" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;">upervisor</span></b><span lang="IN" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 123.05pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l3 level3 lfo5; tab-stops: list .5in; text-align: justify; text-indent: -.5in;"> <!--[if !supportLists]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">3.1<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;">          </span></span></b><!--[endif]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Kliring Warkat <u><o:p></o:p></u></span></b></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 104.5pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: center 9.0pt; text-align: justify;"> <span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;"> <u>Kegiatan Kliring Penyerahan Warkat Debet.</u></span><u><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;"> (</span></u><u><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;"> Kliring  I </span></u><u><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">- </span></u><u><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">pagi hari</span></u><u><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;"> )</span></u><b><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;"><o:p></o:p></span></b></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 145.7pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l7 level1 lfo6; tab-stops: list 146.0pt; text-align: justify; text-indent: -17.85pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">    </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Periksa kelengkapan dan kebenaran pengisian </span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">slip setoran dengan</span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;"> warkat Bank lain meliputi : nominal angka dan huruf, nama dan nomor rekening, tanggal penyetoran dan tanda tangan penyetor <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 145.7pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l7 level1 lfo6; tab-stops: list 146.0pt; text-align: justify; text-indent: -17.85pt;"> <!--[if !supportLists]--><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN; mso-fareast-font-family: Arial;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">    </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Melakukan pemeriksaan </span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">kebenaran </span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">hasil inputan Teller </span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">atas slip setoran dan </span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">warkat Bank  lain</span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;"> tersebut.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 145.7pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l7 level1 lfo6; tab-stops: center 9.0pt list 146.0pt; text-align: justify; text-indent: -17.85pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">    </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Berikan paraf sebagai tanda telah dilakukan verifikasi dan lakukan persetujuan pada</span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;"> </span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">slip setoran </span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">dan serahkankan kembali ke  Teller  beserta bukti pendukungnya untuk </span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">diteruskan lebih lanjut kepada petugas kliring.</span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 145.7pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l7 level1 lfo6; tab-stops: list 146.0pt; text-align: justify; text-indent: -17.85pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">    </span></span><!--[endif]--><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">Sebelum petugas kliring berangkat ke lembaga kliring, maka l</span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">akukan pemeriksaan warkat-warkat (fisik), jumlah lembar warkat dan cocokan dengan hasil inputan pada sistem BI (Sistem Otomas<u>i</u> Kliring Lokal/SOKL)   <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 110.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <u><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Kegiatan Kliring </span></u><u><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">Penyerahan </span></u><u><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">II (siang hari) :<o:p></o:p></span></u></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Melakukan pengecekan atas warkat Bank sendiri (nominal angka dan huruf, nama dan nomor rekening, penulisan tanggal dan tanda tangan) <o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Setelah selesainya Kliring II, meminta informasi dari petugas kliring yang ditugaskan memproses Kliring II dari Bank Indonesia, apabila tidak terjadi penolakan (keluar/masuk) berikan persetujuan/release pada sistem. <u><o:p></o:p></u></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 123.05pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l3 level3 lfo5; tab-stops: list .5in; text-align: justify; text-indent: -.5in;"> <!--[if !supportLists]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">3.2<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;">          </span></span></b><!--[endif]--><b><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">SKNBI-DKE (Data Keuangan Elektronis)  <o:p></o:p></span></b></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: .5in; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 74.0pt;"> <u><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Kegiatan Kliring Kredit – Kliring Penyerahan.<o:p></o:p></span></u></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 142.3pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l5 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -14.45pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">   </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Periksa kelengkapan, kebenaran, kejelasan pengisian aplikasi transfer yaitu : nama dan nomor rekening pengirim dana, nama dan nomor rekening penerima dana  serta nama bank penerima dana, jumlah dana yang ditransfer, kode jenis pengirim dan penerima dan kode pengirim (WNA/WNI), keterangan dan tanda tangan pengirim.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 142.3pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l5 level1 lfo7; tab-stops: center 0in list .5in; text-align: justify; text-indent: -14.45pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">   </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Lakukan verifikasi data dan tanda tangan pengirim dana yang terdapat pada aplikasi  transfer dengan data yang tercatat pada Bank, bukti kepemilikan rekening nasabah/warkat dan kartu identitas asli jika sumber dana berasal dari debet rekening.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 142.3pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l5 level1 lfo7; tab-stops: center .25in list .5in; text-align: justify; text-indent: -14.45pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">   </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Lakukan verifikasi data dan ta nda tangan pengirim dana yang terdapat pada aplikasi transfer dengan data yang tercatat pada Bank, bukti kepemilikan rekening nasabah/warkat dan kartu identitas asli serta periksa kebenaran jumlah uang tunai dengan yang tercantum pada aplikasi transfer jika sumber dana berasal dari uang tunai.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 142.3pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l5 level1 lfo7; tab-stops: center .25in list .5in; text-align: justify; text-indent: -14.45pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-fareast-font-family: Arial;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">   </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Periksa hasil inputan Teller yang terdapat pada sistem dengan data pada  aplikasi transfer.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 142.3pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l5 level1 lfo7; tab-stops: list .5in; text-align: justify; text-indent: -14.45pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-bidi-font-weight: bold; mso-fareast-font-family: Arial;">5.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">   </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Berikan paraf sebagai tanda telah dilakukan verifikasi dan lakukan persetujuan pada aplikasi transfer dan serahkan kembali ke Teller beserta bukti pendukungnya untuk dilakukan validasi atas transaksi tersebut. <b><o:p></o:p></b></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: .5in; margin-right: 0in; margin-top: 6.0pt; tab-stops: .5in; text-align: justify; text-indent: 74.0pt;"> <u><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV; mso-bidi-font-weight: bold;">Proses pembuatan aplikasi SKNBI pada sistem  <o:p></o:p></span></u></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 142.3pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -14.45pt;"> <span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">1. Melakukan pemeriksaan hasil inputan pembuatan SKN pada sistem berdasarkan aplikasi transfer dan cetak hasil inputan dan lakukan persetujuan.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 142.3pt; margin-right: 0in; margin-top: 6.0pt; tab-stops: center 0in; text-align: justify; text-indent: -14.45pt;"> <span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">2. Berikan paraf pada bukti transaksi (aplikasi transfer dan hasil cetak SKN sebagai ukti bahwa transaksi pengiriman telah dijalankan<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 142.3pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: -14.45pt;"> <span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">3. Memastikan semua bukti transaksi telah diperiksa dan diberi paraf oleh pejabat yang berwenang dan diadministrasikan dengan baik<o:p></o:p></span></div>

Skema Tolakan Kliring dapat digambarkan melalui skema sbb : Bank Bi   S istem Kliring Nasional – Bank Indonesia (SKNBI) Sistem Kli... Read More »