Getting to Know Savings and the Benefits of How to Save Wisely

Maybe some of you continue to think why the money from your work always runs out. Well.. have you ever thought that you have done good financial management, one of which is by saving. Maybe some of you have done it, but still don't understand, especially the reasons, advantages and functions of saving. Therefore, in this article, we will discuss in detail the understanding of savings, their purpose and also detailed information about the right saving tips, especially in the bank.

Bank Indonesia

7/11/20221 min read

green plant on brown round coins
green plant on brown round coins

Do you have money but you still keep it in your piggy bank or cupboard? It has outdated. Today, there are many banks around you. That's where you can save money and withdraw it anytime you want

Do you want to know more ? Read A to Z about the following savings.

What is Saving ?

Savings is a money deposit in a bank which can only be withdrawn under certain conditions. Generally, the bank will provide a passbook that contains information on all the transactions you make

What is the benefit ?

  • Aman: Uang disimpan dengan aman di bank, tidak mudah di curi maupun tercecer

  • Terjamin: Tabungan dijamin oleh Lembaga Pinjaman Simpanan (LPS) sesuai dengan ketentuan yang ada

  • Praktis: Terdapat kemudahan layanan perbankan elektronik 24 jam per hari antara lain SMS Banking, ATM, Mobile Banking, Internet Banking, Phone Banking & Call Centrer

  • Hemat: Kalau terbiasa menabung, Anda dapat menyisihkan uang dan terhindar dari kebiasaan membeli barang-barang yang tidak dibutuhkan

Apa yang harus dipenuhi Bank ?

  • Melakukan setoran awal untuk pembukaan rekening dalam jumlah minimal yang ditentukan bank

  • Melengkapi formulir pembukaan tabungan disertai dengan dokumen yang diperlukan

  • Membayar biaya administrasi yang telah ditetapkan oleh bank

Tips bijak menggunakan tabungan

  • Pilih bank yang memberikan layanan sesuai dengan kebutuhan Anda

  • Pastikan tabungan Anda memenuhi syarat untuk dijamin oleh Lembaga Penjamin Simpanan (LPS)

  • Baca dan perhatikan ketentuan produk tabungan yang akan Anda pilih

  • Simpan uang yang tidak digunakan di tabungan dan lakukan penarikan sesuai dengan keperluan saja