IPS kelas 9 Tema 2 Sub Bab A Lembaga Keuangan KURIKULUM MERDEKA

Introduction

This tutorial is designed to help students in grade 9 understand financial institutions, specifically distinguishing between banks and non-bank financial institutions. By the end of this guide, you will be able to identify different types of financial institutions and explain their roles in society.

Step 1: Distinguishing Between Bank and Non-Bank Financial Institutions

To understand the financial landscape, it is crucial to differentiate between banks and non-bank financial institutions.

• Banks:

  • Accept deposits from the public.
  • Provide loans and credit.
  • Offer various financial services such as savings accounts and checking accounts.

• Non-Bank Financial Institutions:

  • Do not accept deposits.
  • Provide financial services such as insurance, investment, and loans.
  • Examples include insurance companies, investment firms, and microfinance institutions.

Tip: Create a comparison chart to visually distinguish the features of banks and non-bank institutions.

Step 2: Identifying Types of Bank Financial Institutions

Banks can be categorized into several types based on their functions and services.

• Commercial Banks:

  • Serve individuals and businesses by providing deposit and loan services.

• Investment Banks:

  • Assist companies in raising capital, offer advisory services for mergers and acquisitions.

• Central Banks:

  • Manage a country's currency, money supply, and interest rates. Example: Bank Indonesia.

Pitfall to Avoid: Remember that while all banks operate in the financial sector, their functions vary significantly.

Step 3: Explaining Functions of Non-Bank Financial Institutions

Non-bank financial institutions play vital roles in the economy. Here are some key functions:

• Insurance Companies:

  • Provide risk management through policies that cover health, property, and life.

• Investment Firms:

  • Help individuals and entities invest in stocks, bonds, and other assets.

• Microfinance Institutions:

  • Offer financial services to low-income individuals or those without access to traditional banking.

Real-World Application: Consider how these institutions impact daily life, such as how an insurance policy affects your financial security.

Step 4: Understanding the Role of Financial Institutions in Society

Financial institutions contribute significantly to the economy and society by:

• Facilitating savings and investments.
• Providing loans for personal and business needs, fostering economic growth.
• Offering employment and supporting community development through various programs.

Tip: Reflect on how the presence of these institutions influences your community and personal financial decisions.

Conclusion

In summary, understanding the differences between banks and non-bank financial institutions is crucial for navigating the financial world. By identifying their types and functions, you can better appreciate their roles in society. As a next step, consider exploring local financial institutions and their services to see these concepts in action.