Beda Bank dan Credit Union

Saya baru mendengar nama Credit Union.Sebutan iniasingbagi saya. Sebenarnya,apaperbedaan antara bankdan Credit Union?

Padil, Jajag, Banyuwangi


Kami mengucapkan terima kasih atas pertanyaan Bapak. Langsung saja, ya Pak Padil. Secara umum, perbedaan antara bank dan Credit Union (CU) adalah sebagai berikut:


Bank memiliki karakteristik:

  • pemegang saham adalah para investor, baik dari dalam maupun luar negeri,
  • dalam hal keputusan, para pemegang saham memilih pengurus yang digaji yang berasal dari masyarakat atau pengguna layanan bank,
  • pemegang saham menerima keuntungan sebanding dengan sahamnya.

 Sedangkan CU:

  • pemiliknya adalah anggota yang juga turut terlibat dalam menjaga keberlangsungan CU,
  • pengurus dipilih oleh anggota yang bertindak selaku pembuat kebijakan,
  • keuntungan dibagikan kembali kepada anggota dalam bentuk surplus hasil usaha(SHU).

Demikian penjelasan dari kami. Bila masih ada yang perlu Bapak tanyakan, silakan datang ke kantor kami di CU Mandiri, TP Banyuwangi, Jl Dr Sutomo, Blambangan, Banyuwangi, no telp (082132206661). Kami akan memberikan informasi yang Bapak perlukan.

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