Hukum Surat Berharga | Sesi 7 Hukum Bisnis | Ari Riswanto
Table of Contents
Introduction
This tutorial aims to provide an understanding of the legal framework surrounding financial instruments known as surat berharga (securities). It covers key concepts such as the definition and types of surat berharga, including surat wesel (promissory notes), surat sanggup (letters of guarantee), surat cek (checks), and bilyet giro (checking account drafts). Understanding these concepts is essential for students of business law and anyone interested in financial transactions.
Step 1: Understand the Definition of Surat Berharga
- Surat berharga refers to financial instruments that represent a claim on an asset or a promise to pay.
- These instruments are essential in business transactions and have legal implications.
- Familiarize yourself with the legal definitions as outlined in business law to understand their importance in various transactions.
Step 2: Learn About Surat Wesel
- Surat wesel, or promissory notes, are written promises from one party to pay another a specified amount at a defined time.
- Characteristics
- Must be in writing.
- Contains an unconditional promise to pay.
- Specify the amount, payee, and due date.
- Practical Tip: Ensure all terms are clearly defined to avoid disputes.
Step 3: Explore Surat Sanggup
- Surat sanggup, or letters of guarantee, are assurances provided by one party to another for the fulfillment of an obligation.
- Key Points
- Often used in business transactions to build trust.
- Legally binds the guarantor to fulfill the obligation if the primary party fails.
- Common Pitfall: Always verify the issuing party's credibility before relying on a surat sanggup.
Step 4: Understand Surat Cek
- Surat cek, or checks, are written orders directing a bank to pay a specific amount from the drawer’s account to the payee.
- Important Aspects
- Must include the date, payee's name, amount, and signature.
- Can be cashed or deposited directly into a bank account.
- Practical Advice: Keep track of issued checks to manage finances effectively.
Step 5: Review Bilyet Giro
- Bilyet giro is a form of check that is used to transfer funds between bank accounts.
- Features
- Typically used for business transactions.
- Provides a more secure method of payment compared to cash.
- Recommendation: Ensure you understand the processing time and fees associated with bilyet giro transactions.
Conclusion
In summary, surat berharga plays a significant role in business law and financial transactions. Understanding the definitions and functions of surat wesel, surat sanggup, surat cek, and bilyet giro is crucial for effective financial management. As you continue your studies in business law, consider practical applications of these instruments in real-world scenarios. Familiarize yourself with the legal implications and best practices to ensure smooth transactions.