Aspek keuangan dalam studi kelayakan bisnis merupakan hal yang sangat wajib kita perhatikan agar bisnis yang bisa berjalan dengan baik. Selain itu ada juga beberapa jenis lembaga keuangan yang bisa membantu Anda dalam menjalankan bisnis. Berikut ini yang termasuk dalam jenis lembaga keuangan bukan bank kontraktual adalah beberapa lembaga yang akan kita jelaskan pada artikel ini.
Namun sebaiknya sebelum Anda mengetahui mengenai jenis-jenisnya, Anda harus mengerti mengenai pengertiannya. Lembaga keuangan bukan bank adalah sebuah lembaga usaha keuangan yang mengumpulkan dana dan menyalurkannya untuk masyarakat, yang nantinya berguna untuk membiayai investasi perusahaan.
Sedangkan lembaga keuangan kontraktual ialah lembaga yang mengumpulkan dana dari masyarakat dan menawarkan kontrak untuk melindungi orang yang menabung pada adanya resiko ketidakpastian, contohnya adalah polis asuransi. Setelah mengetahui pengertiannya, maka berikut ini yang termasuk dalam jenis lembaga keuangan bukan bank kontraktual adalah :

Table of Contents
Berikut Ini Yang Termasuk Dalam Jenis Lembaga Keuangan Bukan Bank Kontraktual
1. Perusahaan Modal Ventura
Perusahaan modal ventura adalah salah satu lembaga keuangan bukan bank kontraktual yang belum banyak tersedia di Indonesia. Jika kebanyakan perusahaan lainnya membebankan syarat yang banyak untuk nasabah yang ingin mengambil pinjaman atau kredit, berbanding terbalik dengan perusahaan modal ventura yang memberikan kredit atau pinjaman tanpa jaminan sama sekali.
Tentunya bagi lembaga keuangan tersebut akan menimbulkan resiko tinggi. Hal tersebut dampak dari tidak adanya jaminan sama sekali dalam memberikan kredit atau pinjaman pada nasabahnya. Selama ini lembaga keuangan lain selalu memberikan syarat dan jaminan yang cenderung membuat nasabahnya kesulitan untuk mendapatkan pinjaman namun tidak demikian jika Anda mengambil kredit pada perusahaan modal ventura.
2. Perusahaan Anjak Piutang
Jenis lembaga keuangan bukan bank kontraktual lainnya adalah Perusahaan Anjak Piutang alias perusahaan factoring. Perusahaan ini melakukan pekerjaan yang beresiko yang mengambil alih kredit perusahaan lainnya. Pekerjaan ini dengan cara mengambil kredit yang memiliki masalah di perusahaan tersebut. Perusahaan ini juga sering kali mengelola masalah penjualan kredit perusahaan yang sedang membutuhkan.
3. Koperasi Simpan Pinjam
Anda pastinya sudah sering mendengar tentang koperasi simpan pinjam, karena lembaga keuangan yang satu ini memang banyak terdapat di Indonesia. Koperasi akan mengumpulkan dana dari anggota kemudian menyalurkan dana tersebut ke anggota yang membutuhkan. Dana yang disimpan pada koperasi simpan pinjam ini juga bisa dipinjamkan pada masyarakat umum. Bahkan yang bukan anggota koperasi tersebut jika memang memungkinkan.
Berikut ini yang termasuk dalam jenis lembaga keuangan bukan bank kontraktual adalah segala macam lembaga keuangan yang memberikan pembiayaan, kredit, sewa guna dan lainnya. Pastinya beberapa lembaga keuangan yang sudah disebutkan di atas sangat membantu bagi orang yang sedang membutuhkan pembiayaan/dana.
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