Jenis-jenis lembaga keuangan bukan bank yang ada di Indonesia sangat banyak sekali, namun ada beberapa yang populer dikalangan masyarakat. Lembaga-lembaga ini kurang lebih mempunyai tugas yang sama seperti bank yaitu menyediakan dana keuangan bagi para nasabah yang membutuhkan.
Berikut ini adalah berbagai jenis lembaga keuangan bukan bank yang populer di Indonesia :
- Pegadaian
Pegadaian merupakan termasuk kedalam jenis-jenis lembaga keuangan bukan bank yang populer di Indonesia. Pegadaian merupakan perusahaan keuangan BUMN yang sudah diakui legalitasnya oleh Otoritas Jasa Keuangan atau OJK. Pada pegadaian ini, biasanya orang-orang melakukan peminjaman dana dengan memberikan jaminan barang seperti misalnya perhiasan, emas, barang elektronik, kendaraan, sertifikat rumah, dan lain sebagainya. Saat ini, sudah tersedia juga pegadaian syariah yang dikhususkan bagi Anda yang ingin menikmati layanan keuangan yang sesuai syariah.
- Koperasi Simpan Pinjam
Pada koperasi simpan pinjam ini, para anggota akan mengumpulkan dana dan kemudian dana tersebut akan dibuat menjadi pinjaman apabila sewaktu-waktu anggota sedang membutuhkannya. Dana tersebut juga bisa dipinjam oleh non-anggota dengan persyaratan-persyaratan tertentu. Koperasi simpan pinjam ini juga sudah menjadi lembaga keuangan non bank yang termasuk juga dalam aspek keuangan dalam studi kelayakan bisnis apabila ada anggotanya yang meminjam untuk menjalankan bisnis.
- Perusahaan Modal Ventura
Perusahaan modal ventura adalah perusahaan yang merupakan lembaga keuangan non bank dan biasanya digunakan untuk menyediakan modal bagi perusahaan lain. Biasanya, yang meminjam modal pada perusahaan modal ventura ini merupakan perusahaan yang kegiatannya beresiko tinggi, memerlukan modal besar, namun mempunyai prospek bisnis yang sangat bagus. Bentuk bantuan pinjaman yang diberikan juga sangat beragam, tergantung dari kebutuhan dan kemampuan perusahaan untuk memenuhi persyaratan.
- Perusahaan Leasing
Sistem peminjaman pada perusahaan leasing ini berbeda dengan lembaga keuangan yang sebelumnya. Hal ini dikarenakan pada perusahaan ini diberlakukan sistem kontrak sewa sekaligus pembelian secara angsuran. Bisa dilakukan oleh perseorangan maupun oleh perusahaan. Barang yang Anda butuhkan ataupun fasilitas yang Anda butuhkan bisa digunakan, namun hak miliknya masih atas nama perusahaan leasing apabila Anda belum melunasinya. Sehingga, perusahaan ini juga kerap kali dikenal dengan nama multifinance.
- Pasar Modal
Lembaga keuangan non bank yang saat ini populer juga di Indonesia adalah pasar modal. Pada pasar modal, pencari dana dan penanam modal atau investor akan dipertemukan. Investor ini bisa berupa individu ataupun perusahaan lain. Nantinya, perusahaan yang misalnya sedang mencari dana akan menjual surat berharga, saham, dan obligasi agar bisa mendapatkan investor yang sesuai.
- Dana Asuransi
Ternyata asuransi termasuk kedalam jenis lembaga keuangan non bank. Dengan menggunakan asuransi, Anda akan mendapatkan jaminan keuangan apabila mengalami berbagai risiko seperti misalnya risiko kecelakaan kerja dan lain sebagainya. Ada berbagai jenis asuransi yang termasuk kedalam jenis-jenis lembaga keuangan bukan bank seperti misalnya asuransi kesehatan, asuransi jiwa, asuransi properti, asuransi kendaraan, dan masih banyak lagi.
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