Business Trusts Wafirotul haifa (11220010)

Wafirotul Haifa (11220010)

Business Trusts

In essence, the activities of a bank is not more than a broker. Meant as an intermediary party surplus funds to be invested in the party who need funds. For the bank would receive margin. Conventionally, only the bank's activities include deposit tanking, credit granting and credit exchange. Banks also do business outside of conventional activities. Usually has a direct correlation with the level of bank keagresif. Unconventional activities is then accepted as a business bank with little restriction, such as credit card activity, remittance, and others. some unconventional activities that have not been accepted by the law or are still controversial, or received extremely limited, such as leasing, purchase of shares of other companies, and capital markets activities.

There are also some activities that are highly vulnerable to the doctrine prident banking is trust activities. In Indonesia, the activities of the trust is not so well known, this activity known abroad has long been developing. With this trust activities, a number of properties managed by the bank and customers invested properly, and business trusts seen as unconventional activities of the bank, because it could not be covered by the deposit-taking, credit granting credit or exchange. Business trusts are usually categorized as: 1) personal trust which is the asset management of individual customers with which the title of assets submitted by the individual to the banks, 2) corporate trusts, including dividend payments, an issue of shares and pension funds, 3) agency account management is a management assets of individual customers are not left his title to the bank.

Trust in business activities often include: a) receive/paying asset, b) as an agent of the business transactions, collect rents, dividends or bill, c) a liquidator or forgiveness of property incompetent people do, d) perform other incidental power. Strict limits typically required for trust business, so do not be fatal both for the game itself as well as for bank customers. As a basic signs commonly used theory prudent man rule. With the theory of god father like this, the bank as trustee must manage as a wise man with all the prudence, as if that pertinent manage its own assets. In classical jurisprudence is often termed as the "father of good housekeeping".