ENGLISH TASK

Bank Facilities
Member :

Aflah Falahani

Annisa Diftania Falatehan Pasaribu

Devika Andriani Marpaung

Imam Rifqi Fauzan Ginting

Mikha Gracela Lumban Tobing

Three Syafputri

Akuntansi Keuangan Publik

Jurusan Akutansi
Politeknik Negeri Medan
2018
PREFACE
 Table Of Contents

A. Intoduction…………………………………………………….
B. Definition………………………………………………………
C. Service & Facilities……………………………………………
D. Dialog…………………………………………………..............
 A. Introduction

Banking began with the first prototype banks of merchants of the ancient world,
which made grain loans to farmers and traders who carried goods between cities
and this system is known as a barter system.This began around 2000 BC in
Assyria and Babylonia. Later, in ancient Greece and during the Roman Empire,
lenders based in temples made loans and added two important innovations: they
accepted deposits and changed money. Archaeology from this period in ancient
China and India also shows evidence of money lending activity.
The origins of modern banking can be traced to medieval and early Renaissance
Italy, to the rich cities in the centre and north like Florence, Lucca, Siena, Venice
and Genoa. The Bardi and Peruzzi families dominated banking in 14th-century
Florence, establishing branches in many other parts of Europe.One of the most
famous Italian banks was the Medici Bank, set up by Giovanni di Bicci de' Medici
in 1397.The earliest known state deposit bank, Banco di San Giorgio (Bank of St.
George), was founded in 1407 at Genoa, Italy.
Modern banking practices, including fractional reserve banking and the issue of
banknotes, emerged in the 17th and 18th centuries. Merchants started to store their
gold with the goldsmiths of London, who possessed private vaults, and charged a
fee for that service. In exchange for each deposit of precious metal, the goldsmiths
issued receipts certifying the quantity and purity of the metal they held as a bailee;
these receipts could not be assigned, only the original depositor could collect the
stored goods.
Gradually the goldsmiths began to lend the money out on behalf of the depositor,
which led to the development of modern banking practices; promissory notes
(which evolved into banknotes) were issued for money deposited as a loan to the
goldsmith. The goldsmith paid interest on these deposits. Since the promissory
notes were payable on demand, and the advances (loans) to the goldsmith's
customers were repayable over a longer time period, this was an early form of
fractional reserve banking. The promissory notes developed into an assignable
instrument which could circulate as a safe and convenient form of money backed
by the goldsmith's promise to pay, allowing goldsmiths to advance loans with
little risk of default.Thus, the goldsmiths of London became the forerunners of
banking by creating new money based on credit.
The Bank of England was the first to begin the permanent issue of banknotes, in
1695. The Royal Bank of Scotland established the first overdraft facility in 1728.
By the beginning of the 19th century a bankers' clearing house was established in
London to allow multiple banks to clear transactions. The Rothschilds pioneered
international finance on a large scale, financing the purchase of the Suez canal for
the British government.
 B. Definition

Bank
A bank is a financial institution that accepts deposits from the public and
creates credit. Lending activities can be performed either directly or indirectly
through capital markets. Due to their importance in the financial stability of a
country, banks are highly regulated in most countries. Most nations have
institutionalized a system known as fractional reserve banking under which banks
hold liquid assets equal to only a portion of their current liabilities. In addition to
other regulations intended to ensure liquidity, banks are generally subject to
minimum capital requirements based on an international set of capital standards,
known as the Basel Accords. ( https://en.wikipedia.org/wiki/Bank )
The bank is a business entity that collects funds from the community in the
form of deposits and also distributes them to the community in the form of credit
or other forms in order to improve the standard of living of the people. (UU No.10
Thn 1998)
Banks are business entities that collect funds from the public in the form
of deposits, and channel to the public in order to improve the lives of the people at
large. (UU No. 7 Thn 1992)
Banks are a place to channel capital from those who cannot use profitably
to them who can make it more productive to benefit the community. (Dr. B.N.
Ajuha)

Facilities
Facilities are all things that can facilitate and facilitate the implementation
of a business. Something that can facilitate and launch a business is usually in the
form of objects or money.

Services
Service is any activity that is intended or intended to provide satisfaction
through a service that someone provides satisfactorily.
 C. Services & Facilities
Services
1. Teller

2. Customer Services
3. Call Centre

4. Security
Facilities
1. Waiting Room

2. Automatic Teller Machine

3. E-Money

4. Debit Card

5. Clock
 D. Dialog

DIALOG 1

Bank Clerk 1 : Good morning. We are from Mandiri Bank , can we offer
our product ?

Customer : Good Morning, my pleasure

Bank Clerk 1 : My name is ........, and my partner is........ I’m from

Mandiri Bank

Customer : Oh, okay.

Bank Clerk 2 : We want to inform you that we have this offer if you’re
looking to apply for additional credit cards. Maybe for the members of
your family, your kids, or somebody else. (Kami ingin memberi tahu Anda
bahwa kami punya penawaran spesial bila Anda ingin membuat kartu
kredit tambahan. Mungkin untuk anggota keluarga, anak Anda, atau yang
lainnya)

Customer : Well, I’m sorry, but I’m not really interested in applying
one at the moment. (Wah, saya minta maaf, tapi saya tidak tertarik untuk
membuat kartu kredit sekarang ini)

Bank Clerk 2 : But may I interest you with it, Sir, just in case you need it
in the future. You don’t have to apply now, but we’ve checked your credit
history and since it’s clean, your next or additional credit cards should get
approved easily. (Tapi bolehkah saya menjelaskan pada Bapak, mungkin
saya bapak membutuhkannya di masa mendatang. Anda tidak perlu apply
sekarang, tapi kami sudah memeriksa sejarah kredit bapak dan karena
bersih, aplikasi kartu kredit baru atau tambahan bapak nantinya akan
dengan mudah diterima).

Customer : I know that, that’s why I always pay my due in time. But
good to know. Excuse me, what’s your name again? (Saya tahu, karena
itulah saya selalu membayar tagihan sebelum jatuh tempo. Tapi terima
kasih sudah diberi tahu. Maaf, siapa ya tadi nama Anda?)

Bank Clerk 2 : My name is ....., miss. (Nama saya Jun, Pak).

Customer : All right, if in the near future I want to get another one,
you’re the one I call. How about that? (Baik. Kalau dalam waktu dekat
saya ingin membuat kartu kredit baru, kamu yang akan saya hubungi.
Bagaimana?)
 Bank Clerk 2 : Of course, miss. (Tentu saja, Pak).

Customer : All right? But not now. Thanks for the offer. (Oke? Tapi
tidak sekarang. Terima kasih untuk tawarannya)

Bank Clerk 1 : You’re welcome, miss. Have a nice day. (Sama-sama,

Pak. Semoga hari Anda menyenangkan)

DIALOG 2

Bank Clerk 2 : Good morning. We are from Mandiri Bank , can we offer
our product ?

Customer : Good Morning, of course

Bank Clerk 2 : My name is ........, and my partner is........ I’m from

Mandiri Bank

Custome r : What can I help? (Ada yang bisa saya bantu?)

Bank Clerk1 : We want to confirm that you don’t happen to have an

account in Java Bank, Sir. (Kami ingin mengonfirmasi bahwa Anda
memang tidak punya akun rekening di Bank Java, Pak.)

Customer : I don’t have any. Why? (Saya memang tidak punya.

Kenapa?)

Bank Clerk 1 : Well, we actually have this special offer for our costumer
who wants to apply for credit card. (Nah, sebetulnya kami punya
penawaran khusus untuk kostumer kami yang ingin membuat kartu kredit
baru).

Customer : Well, I don’t have any account on your bank and besides I
already have one. (Saya tidak punya rekening di bank Anda dan lagi saya
juga sudah punya kartu kredit)

Bank Clerk1 : That’s the special case here, Sir. Because we’ve done
credit check and you’re history is clean, we want to offer you the same
facility as our costumers to apply a new credit card. (Nah, itulah mengapa
ini jadi penawaran khusus, Pak. Karena kami sudah memeriksa sejarah
kredit bapak dan memang bersih, kami ingin menawarkan pada bapak
fasilitas yang sama dengan kostumer kami untuk membuat kartu kredit
baru).
Customer : Hmm.. I don’t think so. I don’t think I need another credit
card. (Hmm.. sepertinya tidak usah. Saya tidak membutuhkan kartu kredit
lain)

Bank Clerk2 : The new credit card should be approved right away, Sir. I
guarantee you. There is no annual fee and the interest rate is very low, it’s
only 7%. (Kartu kredit Anda nantinya akan langsung disetujui, Pak. Saya
jamin. Tidak ada biaya kartu tahunannya dan bunganya pun sangat rendah,
hanya 7%)

Customer : I’m really not interested in applying a new credit card. I

don’t have the need anyway. So I’m sorry. (Saya sungguh tidak tertarik
untuk membuat kartu kredit baru. Saya juga tidak butuh)

Bank Clerk 1 : Oh, that’s all right, Sir. But can I interest you with another
product of Java Bank? The electronic money, Sir. (Oh, tidak apa-apa, Pak.
Tapi boleh saya tawarkan produk Bank Java yang lainya pada Anda? Uang
elektronik, Pak).

Customer : I’m afraid, no. Sorry, Jun. Good day. (Sayang sekali tidak.
Maaf, Jun. Selamat siang).

Bank Clerk2 : Good day to you, too, Mr. Leo. (Selamat siang juga, Pak
Leo).
 BIBLIOGRAPHY

Definition and History of Bank, https://en.wikipedia.org/wiki/Bank

Definition of Bank, https://www.gurupendidikan.co.id/pengertian-bank-menurut-

para-ahli/

Definition of Facilities, http://www.pengertianmenurutparaahli.net/pengertian-

fasilitas/

Definition of Services,
https://carapedia.com/pengertian_definisi_service_info2099.html