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GLOSARIUM

KEUANGAN

DEPARTEMEN PENDIDIKAN NASIONAL

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Seri Glosarium GL 006

GLOSARIUM

KEUANGAN

Penyunting Jan Hoesada Sutiman

perpustakaah

PUSAT BAHASA DEPW^TEMEN PEHDiCiKAN MASIOHAL 00016327

DEPARTEMEN PENDIDIKAN NASIONAL PUSAT BAHASA JAKARTA 2002

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KATAPENGANTAR

KERALA PUSAT BAHASA

Masalah kebahasaan di Indonesia tidakterlepasdari kehidupan masyarakat Indonesia. Dalam kehidupan masyarakat Indone sia telah terjadi berbagai perubahan baiksebagai akibattatanan kehidupan dunia yang baru, seperti pemberlakuan pasar bebas dalam rangka giobalisasi, akibat perkembangan teknologi informasi yang amat pesat maupun pemberlakuan otonomi daerah. Teknologi informasi mampu menerobos batas ruang dan waktu sehingga keterbukaan tidak dapat dihindarkan. Kondisi itu telah mempengaruhi perilaku masyarakat Indonesia dalam bertindak dan berbahasa. Oleh karena itu, masalah bahasa perlu digarap

dengan sungguh-sungguh dan berencana supayatujuan akhir pembinaan dan pengembangan bahasa Indonesia dalam rangka peningkatan pelayanan kebahasaan di Indonesia dapat dicapai. Tujuan pelayanan kebahasaan itu, antara lain, iaiah penyediaan sarana ekspresi dan komunikasi dalam bahasa Indonesia yang mantap pada kehidupan dan peradaban mod ern serta peningkatan mutu penggunaannya secara baik dan benar demi peningkatan sikap positif masyarakat terhadap bahasa Indonesia.

Untuk mencapai tujuan itu, dilakukan berbagai kegiatan kebahasaan seperti (1) pembakuan ejaan, tata bahasa, dan istilah, (2) penyusunan berbagai kamus bahasa Indonesia, kamus istilah dalam berbagai bidang ilmu, tesaurus, buku pedoman,(3) penerjemahan karya kebahasaan dan buku acuan ke dalam bahasa Indonesia,(4) pemasyarakatan bahasa melalui berbagai media, antara iain televisi dan radio,(5) pengem bangan pusat informasi kebahasaan melalui inventarisasi, penelitian, dokumentasi, dan pembinaan jaringan informasi

kebahasaan,serta(6) pengembangantenaga, bakat, dan prestasi dalam bidang bahasa melalui penataran, sayembara mengarang, serta pemberian penghargaan. Dalam upaya penyediaan sarana ekspresi dan komunikasi yang mantap, perlu terus diupayakan percepatan pengembangan kosakata/lstilah. Untuk itu, telah dihasilkan sekltar 250.000 istllah dalam berbagai bidang ilmu melalui kerjasama kebahasaan dengan Malaysia dan Brunei Darussalam dalam

Majelis Bahasa Brunei Darussalam-lndonesia-Malaysia (Mabbim). Istilah yang telah dihasilkan itu agar sampai ke masyarakat luas perlu dipublikasikan. Untuk itulah, Pusat

Bahasa menerbitkan Glosarium Keuangan yang memu^

senarai istilah keuangan Inggris-lndonesia sebanyak '(^.200j lema.Penerbitan ini diharapkan dapat memberikan kemuoahah* parg ilmuwan,dosen, mahasrswa, pelajar, atau peminat lainnya dalam memahami, mengungkapkan, dan mengembangkan ilmu pengetahuan dan teknologi dalam bahasa Indonesia. Penerbitan glosarium ini tidak terlepas dari kerja sama yang baik dengan berbagai pihak, terutama para pakar dan penyunting serta pendamping bahasa. Untuk itu, kepada Drs. Jan Hoesada, M.M. dan Drs. Sutiman, M.Hum., sebagai penyunting, saya menyampaikan penghargaan dan ucapan terima kasih. Demikian juga kepada Sdr. Sukadi yang telah menyiapkan pengetikan terbitan ini saya sampaikan terima kasih.

Mudah-mudahan buku ini dapat bermanfaat bagi masya rakat Indonesia dalam upaya pengembangan ilmu penge tahuan dan teknologi serta peradaban modern dalam bahasa Indonesia.

Jakarta, Maret 2002

Dendy Sugono

VI

PRAKATA

Negara berkembang merupakan tujuan bagi modal swasta global karena tingginya suku bunga pinjaman dl negara berkembang, liberalisasi pasar uang dan Insentif pajak negara berkembang, serta rendahnya tingkat bunga dl negara maju dan tingkat persaingan pasar uang dan pasar modal antarnegara maju. Kecenderungan arus modal ke negara berkem bang makin besar dari dekade ke dekade, dalam kelipatan kenaikan sampai ribuan persen per dekade dan makin didominasi investasi asing langsung dalam arus modal swasta neto. Sementara itu, investasi portofolio juga merangkak naik pada pasar modal negara-negara tertentu dalam kecenderungan yang lebih perlahan namun pasti. Negara yang tidak menikmati kecenderungan global ini, dan tetap bergantung pada pinjaman sektor publik, pemerintah dan lembaga penyandang dana tingkat dunia, perlu mawas diri. Di samping risiko negeri, terutama keamanan berusaha,sangat mungkin hal itu disebabkan oleh ketidakmampuan bangsa itu berbahasa keuangan global sehingga ia tersisih dari pergaulan global. Bagi bangsa yang kefasihan berbahasa Inggrisnya kbrang merata, adopsi dan adaptasi istilah keuangan berterima global ke khasanah bahasa resmi bangsanya merupakan keniscayaan. Apabila sebelum 1980 istrumen keuangan global dido

minasi sindikat kredit bank, era selanjutnya didominasi oleh pendanaan ekuitas, obligasi, dan instrumen keuangan turunan. Secara alamiah, muncullah kebutuhanan akan kosakata baru keuangan pada negara-negara yang ingin memperoleh dana asing dalam membangun bangsanya. Sidang Pakersa/Mabbim sebagaiforum kerja sama kebahasaan Indonesia, Malaysia, dan Brunei Darussalam telah banyak menerbitkan panduan kebahasaan seperti senarai, glosarium, dan kamus berbagai bidang ilmu. Terbitnya Glosarium

Vll

Keuangan ini, merupakan tanda kepedulian para pengembang pembina bahasa akan dunia keuangan berkesetaraan global. Glosarlum keuangan ini mencakupi istilah perbankan, pasar modal, dan asuransi, disusun berdasarkan perundingan pakar tiga negara tersebut secara bergantian di Malaysia, In donesia, dan Brunei Darussalam dengan pendamping bahasa dari Pusat Bahasa. Delegasi Indonesia yang ditugasi Pusat Bahasa adalah Drs. Bunbunan E.J. Hutapea, Akt., M.M., Drs. Jan Hoesada, M.M., Dra. Rosliana T. Siahaan, Drs. Hinsa Slahaan, Drs. Hassan Pottabuga, dan sebagai pendamping bahasa adalah Drs. Sutiman,dan Dra. Melty Taqdir Qodratillah. Glosarlum Ini dipersembahkan kepada Ibu Pertiwi, dimaksudkan agar memudahkan komunikasi teknis masyarakat keuangan berbahasa Indonesia, membakukan kosakata suatu medan makna tertentu bagi para pelajar dan mahasiswa mata ajaran ilmu keuangan berbahasa Indonesia, meringkas ucapan para petutur dan meningkatkan efisiensi komunikasi lisan,serta memudahkan masyarakat luas memahami berita media massa bernuansa keuangan.

Karena nila setitik, maka ditolak susu sebelanga diharapkan tidak berlaku untuk edisi perdana ini. Para pengguna diharapkan memaafkan salah ketik, membuka pintu toleransi estetika dan memberi masukan perbaikan untuk edisi selanjutnya. Pemilihan kosakata untuk mengganti suatu istilah asing pada senarai rumpun bahasa Melayu diutamakan. Apabila senarai itu tak patut digunakan karena alasan medan

makna menyesatkan, diadaptasi berpedoman pada tata cara dan kaidah bahasa yang berlaku di negara kita. Hal ini mempunyai ragam selera yang hampir nirbatas, menimbulkan perasaan tak nyaman bagi para pengguna awal. Alah bisa karena

biasa, diharapkan perasaan tak nyaman itu diharapkan lambat laun hilang akibat penggunaan berulang. Apabila tahun berbilang tahun kita semua merasa tak nyaman juga, mungkin kita akan sampai pada keputusan mengganti kosakata tersebut. Istilah adalah kosakata baru yang dipilih atas kesepakatan nasional, menjadi konvensi, dan akhirnya menjadi harta kekayaan bangsa itu. Jakarta, Maret 2002

Penyunting Vlll

a week order

abandonment decision

abandonment option abandonment value abandonments of fixed assets

ABC analysis ability to borrow ability to pay abnormal performance index above par absconding debtor absentee ownership

amanat seminggu putusan penghentian; putusan pembatalan opsi penghentian; opsi pembatalan nilai pelepasan penarikan aktiva tetap; penghentian aktiva tetap analisis ABC

daya pinjam; kemampuan bayar kemampuan baya; daya bayarr indeks prestasi abnormal atas pari debitur lari

pemilikan absente

absenteeism

absenteisme

absolut priority doctrine absolute assignment absolute endorsement

doktrin prioritas absolut pengesahan mutlak endosemen mutlak; pengesahan

absolute risk aversion

penghindaran risiko mutlak

Accelerated Cost Recovery System

sistem pemulihan kos dipercepat

mutlak

(ACRS) acceleration clause

klausula akselerasi; klausula percepatan

accelerative endowment policy

polls endomen tercepat penerimaan; persetujuan komisi akseptasi kredit akseptasi debitur akseptasi lembaga akseptasi buku akseptasi

acceptance acceptance commission acceptance credit acceptance debtor acceptance house

acceptance ledger accommodation endorsement

pengesahan kemudahan

accomodation bill

wesel kemudahan

account data

data rekening hari bayar

account day

account estimation^additional provision account estimation

estimasi akun

account history

riwayat rekening pemegang rekening nomor rekening rekening penerima cek rekening penerima pembiayaan piutang pernyataan rekening akuntabilitas; pertanggungjawaban

account holder

account number

account payee account payee cheque account receivable financing account stated

accountability accountant

akuntan

accounting accounting changes accounting monetary , accounting policy accounting treatment

akuntansi; perakunan perubahan perakunan

accross the board

secara menyeluruh

accrual basis accrued interest

metode akrual; basis hak-kewajiban biaya terbeban bunga terhitung

accumulated dividend

dividen akumulasi

perakunan moneter

kebijakan akuntansi/perakunan perlakuan perakunan; perlakuan akontansi

accrued charge

accumulated interest

bunga akumulasian

accumulation

akumulasi

accumulation area

kawasan akumulasi

accumulation period

periode akumulasi

acid test

uji acid (m) perusahaan terakuisisi

acquired companies acquisition acquisition asset acquisition price

pengambilalihan; akuisisi aset pengambilalihan

action-oriented report

perolehan laporan berancangan kegiatan rekening aktif

active account

harga pengambilalihan; harga

active portofolio

pasar aktif portofofio aktif

active stock

saham aktif

active trading

perdagangan aktif biaya nyata; beban nyata peran aktuaria bunga ditambahkan provisi tambahan

active market

actual cost

actuary role add on interest

additional provision

adjusted basisttalternate director adjusted basis

dasar suaian; basis suaian

adjusted price

harga suaian obligasi suaian periode penyesuaian

adjustment bonds adjustment period administrative account administrative cost

admitted/non-admited asset

akun administratif

biaya administratif aset diperkenankan/takdiperkenankan

advance portofolio advance-decline line advances

advertised procurement advertising cost advising bank

portofolio pendahuluan garis menaik dan menurun uang muka

affiliated companies

pembelian teriklan biaya ikian bank penerus perusahaan berafiliasi

affiliates

afiliasi

affiliation affirmative actions

tindakan afirmatif

agency cost

aggregat principal amount aggregate basis aggregate cash position management aging aging of payable agio agressive stock agricultural bank

afiliasi

biaya agen jumlah pokok agregat asas agregat; asas keseluruahn

manajemen dana tunai lengkap; manajemen kas menyeluruh penilaian umur

all in cost

penilaian umur utang agio saham agresif bank agro; bank pertanian seluruh biaya tercatat/masuk

all or none

semua atau tidak sama sekali

all or not order

amanat semua atau sama sekali

all share index

indeks semua saham

allocate

mengalokasi biaya/pendapatan alokasi pembebanan; pendistribusian biaya penjatahan penerima jatah

tidak

allocation allotment allottee

alpha measure alpha value

ukuran alfa

alternate director

direktur cadangan notarial

nilai alfa

amandement commission9aproval date amandement commission

komisi amandemen

American Depository Receipt (ADR) American option amortization

American Depository Receipt (ADR) opsi Amerika amortisasi; pelunasan

Amortization document

surat bukti amortisasi

amortization fund

dana utang

amortized

lunas; teramortisan

amortized payment

pembayaran lunas jumlah layak terima dari jumlah layak terima kepada jumlah tertolak juru analisisis; analis tanggal pengumuman dampak pengumuman

amount due from amount due to amount reverse

analyst announcement date announcement effect annual basis

basis tahunan

annual general meeting annual meeting annual meeting of stockholders

rapat tahunan (RUPS) rapat tahunan RUPS (rapat umum pemegang saham) laporan tahunan

annual report annuity annuity bonds ante dating cheque anticipated aceptance applicable law

anuitas

obligasi anuitas cek bertanggal awal akseptasi antisipasi hukum berlaku; undang-undang berlaku

application and source of fund

penggunaan dan sumber dana

appraisal appraisal clause appraisal company appraisal of investment appraisal value appreciation apprenticeship training appropriation of dividend

penilaian

appropriation of profit appropriation of tax appropriation requests approval limit aproval date

pasal penilaian (m) perusahaan penilai penilaian investasi nilai penilaian apresiasi latih magang; pelatihan pemagangan peruntukan dividen peruntukan laba

peruntukan pajak permohonan peruntukan batas lulus; batas persetujuan tanggal lulus; tanggal persetujuan

arbitrageSassociation for money and securities arbitrage

arbitrase

arbitrage dealing arbitrage pricing model

urus niaga arbitrase (m) model penentuan harga arbitrase pengarbitrase arbitrari (m) jumlah arbitrari (m) timbang tara (m)

arbitrager arbitrary arbitrary amount arbitration

arbitration proceeding architect's fee

arithmetic average return arm's-length prices arreage

arrow diagram as per advice asalesinvoice

ascending account receivable ascending tops Asian Development Bank asked price aspiration-level model assented shares

asset acquisition

presiding timbang tara(m) biaya arsitek ulangan rerata aritmetik harga wajar pasar bebas tunggakan diagram panah sesuai perintah faktur penjualan peningkatan piutang puncak menaik Bank Pembangunan Asia harga tawaran model aras aspirasi saham dicap pengambilalihan aset

asset allocation models

model alokasi aset

asset and liability management asset deficiency asset financing

pengelolaan aktiva pasiva ketidakcukupan aset pembiayaan aset obligasi berjaminan aktiva pengumpilan aset pengelolaan aset; manajemen aset putusan bauran aset

asset guaranted bond

asset leverage(ADM) asset management asset mix decision

asset quality asset strippers

kualitas aset

asset turnover

pembelah aset; pelucut aset

assigned account

putaran aset aset sewa guna usaha pembiayaan asas aset; pembiayaan dasar aset pendanaan dasar aset piutang dijaminkan

assistant trader

kuasa pem bantu

associated bank

bank sekutu

associated companies association for money and securities trading

perusahaan asosiasi Perserikatan Perdagangan Uang

asset under capital lease asset-based financing

dan Efek

association of internationai bond^avaiiabiiity of funds association of international bond

dealers (AIDB) at or better

at par

Association of International Bond

Dealers (AIDB) pada atau lebih baik pada tara/par

at risk

berisiko

at the close

amanat pada penutup amanat pada penutup opsi berlaba pada pembukaan amanat pada pembukaan bonus hadir; tunjangan kerajinan

at the close order

at the money at the opening at the opening order attendance bonus attestation

atestasi

attitude surveys

survei kecenderungan lelang pasar lelang jual lelang peserta lelang

auction

auction market auction sale auctioneer audit

audit

audit commitee

dewan audit

auditing

pengauditan pengaudit; auditor penanda tangan kewenangan; penguasa bank pemegang hak

auditor

authirized signatory authority authorized bank

authorized capital

modal dasar

authorized dealer

dealer resmi

authorized depositiry ^

penerima deposito resmi pejabat resmi

authorized officer authorized shares

modal dasar

authorized shares/authorized stock

saham resmi

automated clearing house automatic data processing

lembaga kliring berautomasi proses data otomatis

automatic reinvestment

reinvestasi otomatis

automatic stabilizers

penyeimbang otomatis mesin kasir otomatis; anjungan tunai

Automatic Teller Machtne i

mandiri

automatic withdraw!

availability anticipation availability of funds

penarikan otomatis antisipasi ketersediaan ketersediaan dana

average

rata-rata

average balance

baki rata-rata

average collection perlode«away from the market average collection periode

periode rata-rata tagihan

average cost

biaya rata-rata

average cost of deposit fund average down average lending rjate average life average payment period averaging avoidable risk

away from the market

biaya rata-rata deposito rata-rata turun

tingkat pinjaman rata-rata unsur rata-rata

periode rata-rata pembayaran pemurataan

risiko dapat elak keluar pasar

B obligasi kecil

baby bond back dated cheque

cek undur

back office

kantor pendukung

back to back credit back to back L7C back to back loan

kredit terdukung surat kredit terdukung kredit terdukung dukungan; cadangan

back up back-end load

beban tebusan

bad account

rekening usang

bad debt credit

kredit macet

bad debt losses

rugi piutang buruk

bad delivery bad-debt expense

penyerahan cacat

bad-debt risk

beban piutang buruk resiko piutang buruk

bail out(a company)

penyelamatan (perusahaan)

balance in till

baki dalam lad

balance of payment balance report balance reporting

neraca pembayaran laporan saldo pelaporan saldo

balance sertificate

sertifikat baki

balance sheet analysis

analisis neraca

balanced mutual fund

dana bersama berimbang

ballon payment

angsuran kembung; angsuran gumpalan

bank

bank

bank acceptance

akseptasi bank

bank accomodation

kemudahan bank

bank bilt

surat utang bank

bank card

kartu bank

bank charge

biaya bank

bank commission

komisi bank

bank customer

pelanggan bank

bank discount

diskonto bank

bank draft

wesel bank

bank examination

pemeriksaan bank

bank examiner^bankrupt bank examiner

bank giro bank guarantee

pemeriksa bank giro bank jaminan bank

bank identification number

nomor identifikasi bank

bank interest bank line

sarana bank; fasilitas bank

bank mindedness

sadar bank

bank money order

surat perintah bayar bank uang kertas bank bank penerbit bank pendiskonto pejabat bank tingkat bunga bank

bank notes bank of issue

bank of rediscount bank officer bank rate bank reconciliation statement bank reserve bank run bank service bank sindication

bunga bank

rekonsiliasi bank

cadangan bank lari bank; tarik panik bank jasa bank sindikasi bank

bank statement bank transfer

transfer bank

bank wires

telegram bank

pernyataan bank

bankable bill

wesel laik bank

bankable paper

efek laik bank

bankcruptcy and reorganization

kepailitan dan reorganisasi

banker

bankir

bankers acceptance banker's cheque banker's clearing house bankers guarantee

akseptasi bankir

bankers lien banker's order

banking banking agreement banking day banking hall banking health measurement banking policy

banking secrecy banking supervision banking system bankrupt

cek bankir

lembaga kliring bank jaminan bankir lien bankir(m) perintah bank perbankan perjanjian perbankan

hari perbankan dewan perbankan tingkat kesehatan bank kebijakan bank kerahasiaan bank

pengawasan bank

sistem perbankan pailit

bankrupt companies^big board (NYSE) bankrupt companies bankruptcy costs

perusahaan pailit biaya kepailitan cadangan bank grafik batang

bank's reserve bar chart

bargaining process barrant money

proses tawar

barren's confidence index bart chart

base lending rate base market value

base salary basic assumpilbh basis point basis price

uang mandul indeks keyakinan Barren batang tubuh akad tingkat bunga dasar kredit nilai dasar pasar gaji pokok asumsi dasar satuan dasar

harga dasar pasar lesu jangka panjang; pasar turun panjang serbuan penurunan pemanfaatan penurunan pembawa; pengunjuk obligasi atas unjuk cek atas unjuk surat berharga atas unjuk pasar pesimistis spekulan jual gadai

bear market bear raid

bear spread bearer bearer bond

bearer cheque bearer note

bearish bears

belening bell

bel

bell weather

indikator arah

below par

best effort commitment

bawah tara/par pemilik penerima manfaat penikmat penjaminan emisi terbaik

best effort offering beta analysis

analisis beta

beneficial owner

beneficiary

usaha terbaik

>

beta coefficient

koefisien beta

bid

lelang: penawaran harga permintaan dan penawaran harga permintaan dan penawaran; jual beli terb harga penawaran proses lelang

bid and asked

bid and asked price bid price bidding process big board (NYSE)

NYSE

PERPUSTAKAA^^

PUSAT BAHASA . PEKDiEl^AN fJASlCrlAL

10

bill broker^bojius issues bill broker

pialang wesel

bill of exchange bill of loading

konosumen

wesel

bill-to-bill terms

syarat faktur ke faktur; syarat tagihan ke tagihan

black-Scholes option pricing model

model penentuan harga opsi

blank cheque

cek blanko

blank endorsement

pemindahan hak hukum; endosemen

blank letter of credit

surat kredit kosong kelulusan menyeluruh hipotek penuh rekomendasi menyeluruh

Black-Scholes

blanko

blanket approval blanket mortgage blanket recomendation block

blok

block discounting facility block positionary block trading blocked currency

kemudahan pendiskontoan blok pialang block perdagangan blok mata uang tersekat jual cepat saham unggul

blow out

blue chip stock blue list

daftar biru

blue sky laws

undang-undang pengaman efek

board of commissioners

dewan komisaris

board of directors

dewan direksi

board room

ruang nasabah c^ligasi indeks beli obKgasi dividen obligasi dana obligasi kantor obligasi imunisasi obligasi terbitan obligasi pasar obligasi catatan harga obligasi pemeringkatan obligasi swap obligasi; lindung nilai obligasi hasil obligasi obligasi-waran

bond

bond buyer index bond dividend

bond fund bond house

bond immunization bond issues bond market

bond quotations bond rating bond swap bond yield bond-warrant bonus

bonus

bonus issues

terbitan bonus

11

bonus stockSbrokerage fee bonus stock

saham bonus

bonus systems

sistem bonus

book

buku amanat

book closing date book entry security book entry transfer book keeping

tanggal tutup buku efek tanwujud pemindahan pemilikan efek tata buku

book loss

rugi pembukuan

book profit

laba buku

book value

nilai buku

boom market

pasar memuncak tambahan ganti rugi dana terpinjam peminjam peminjaman kapasitas peminjaman; kapasitas pinjam biaya pinjam an daya pinjam daya pinjam sekuritas keistimewaan peminjaman unsur penirus harga terendah harga terendah Fisher ancangan bawah-atas investasi utang berikat

boot money borrowed fund borrower

borrowing borrowing capacity borrowing fee borrowing power borrowing power (securities) borrowing privilege botleneck items bottom

bottom Fisher

bottom up approach to investing bounded debt bourse

bursa

box

kotak efek

breadth of the market

indikator pasar harga jatuh

break break-even

breakout

breakup value bridge financing bridging loan broad money broken account

broker

broker depository system brokerage commissions brokerage fee

impas; pulang pokok anjiok nilai belah

pembiayaan talangan kredit talangan uang palsu tutup rekening pialang sistem depositori efek komisi kehilangan komisi kepialangan

12

brokerage housettbuy program brokerage house

perusahaan pialang bank pialang investasi tingkat bunga pinjaman pialang perusahaan pialang tak sah

brokerage-Investment banking broker's loan rate

bucket shop budget budget directive budget simulation budgetary control budgeted expense method

anggaran

bull spread bulldog bond bullet repayment terms

pengarahan anggaran simulasi anggaran pengendalian anggaran metode biaya teranggar orang optimis pasar naik panjang strategi opsi obligasi buldog syarat pembayaran sekaligus

bull

bull market

bullish

keadaan naik

bunching bunching of repayment

penggabungan amanat penggabungan pembayaran pokok

burden rate

tarif beban

business characteristics of firm business combination

sifat bisnis perusahaan penggabungan usaha

business cycles business day

daur usaha; siklus usaha

angsuran

hah kerja kegagalan bisnis daur hidup usaha

business failure

business life cycles business plan

rencana usaha

business risk

risiko usaha

business time index

Indeks Business Time

buterfiy spread buy

sebar kupu-kupu

buy and hold strategy buy and write strategy

strategi bell dan tahan strategi bell beropsi bell terpaksa

bell

buy in buy minus buy on margin buy on strength buy on the bad news buy on the close buy on the open buy order buy program

minus bell

bell pada margin bell dengan kekuatan bell pada berita buruk

bell pada penutup bell pada pembuka amanat bell

program bell

13

buy the book^by-product buy the book

beli harga buku

buy-and-borrow alternative buyer credit facility

Iternatif beii-pinfam

buyer's market

kemudahan kredit pembeli pasar pembeli

buyout

beli kendali

bylaws of the corporationa

nota pendirian; anggaran dasar

by-product

produk sampingan

14

cable transfer

transfer kawat

call

tarik

call date

tanggal tarIk

call feature

akad tarik

call money

uang pangglian pelunasan obligasi opsi kol; opsi tarik premi tarik harga tarik perlindungan tarikh provisi tarik

call of bond

call option call premium call price call protection call provision call spread

lebihan tarik

callable bond

sanggup lunas obligasi dapat tarik

called away

tarik dini

callable

cancel order

amanat harga mati

cancelled cheque capacity capital adequacy capital appreciation

cek batal

capital asset pricing model(CAPM)

model penentuan harga aset modal; model penentuan harga kapital

capital budgeting capital deficiency capital depletion capital distribution capital expenditures

penganggaran investasi

kapasitas penyediaan modal apresiasi modal

aset

kurang modal deplesi barang modal distribusi modal; sebaran modal

pengeluaran modal; pengeluaran investasi

capital fund capital gain capital gain distribution

dana investasi

capital gain tax

pajak untung modal; pajak untung

untung modal; laba modal distribusi laba-modal; distribusi

untung modal pokok

15

capital gain yieid^cash budgets capital gain yield capital injection

suntikan modal

capital intensive firm capital investment

perusahaan padat modal investasi barang modal; penanaman

hasil untung modal

modal terbitan modal

capital issue capital issues commitee capital lease capital loss capital losses taxation

lembaga penerbit usaha modal sewa guna usaha modal rugi modal

perpajakan rugi modal konsep pemeliharaan modal

capital maintenance concept capital market capital market behavior

pasar modal

capital market line (CML)

perilaku pasar modal sarana pasar modal saraka pasar

capital money capital policy

uang modal

modal

kebijakan permodalan

capital position capital preservation capital program capital rationing capital requirement capital reserve capital stock capital structure capital surplus capital yield capitalization capitalization rate capitalization ratio capitalized

posisi modal

penjagaan modal program permodalan catu modal; catu kapital permintaan modal cadangan modal

saham (per)modal(an) struktur permodalan; struktur modal surplus modal hasil modal

kapitalisasi; pemodalan tarif kapitalisasi; tarif pemodalan nisbah pemodalan dikapitalisasi; terkapitalisasi; dimodalkan

captive finance subsidiaries captive insurance companies carrying cost

nilai terbawa

carrying value (book)

nilai buku

pendanaan terikat perusahaan asuransi terikat

cartels

kartel

cash account

rekening tunai

cash acquisitions cash Before Delivery (CBD) cash budgets

tunai prakirim anggaran kas

akuisisi kas

16

cash concentration^certificate ot registration mortgage cash concentration

konsentrasi kas

cash contract/cash trade

dagang tunai

cash discount

potongan tunai

cash discount period

jangka potongan tunai; periode

cash dispenser

mesin kasir otomatis

potongan tunai cash dividend

dividen tunai

cash equivalent

setara kas

cash flow

arus kas

cash flow budget cash management

anggaran arus kas pengelolaan kas; manajemen kas pasar tunai

cash market

cash offering

tawaran tunai

Cash on Delivery (COD)

tunai saat kirim

cash order

amanat tunai

cash pooling cash position

status kas; posisi kas

pemusatan kas; konsentrasi kas

cash ratio

nisbah kas

cash reimbursment system cash settlement

sistem penggantian kas jual tunai penyelesaian kas; penyelesaian tunai

cash transfer scheduling

skedul transfer tunai

cashier

kasir

cashier's order

perintah kasir masyarakat air kas cat and dogs

cash sales

cashless society cat and dogs central bank

bank sentral

central depository system certainty equivalent

sistem depositori pusat ekuivalen kepastian

certificate

sertifikat

certificate for amortizing revolving

sertifikat amortisasi utang bergulir

debts (CARD) certificate of amortization

bukti amortisasi

certificate of deposit certificate of performance

sertifikat deposito sertifikat kinerja sertifikat pendaftaran gadaian

certificate of registration of charge certificate of stock

sertifikat saham

certificate of time deposit

sertifikat deposito berjangka

certificate of value

sertifikat nilai

certificate ot registration mortgage

sertifikat pendaftaran hipotek

17

certificates of amortization#clearing time certificates of amortization certified cheque

bukti amortisasi

chain banking

cek terjamin; cek berjarninan transfer terjamin; transfer berjaminan perbankan berantai

channels of distribution

saluran distribusi

chargable asset

aset dapat dibebankan komisi dapat dibebankan

certified transfer

chargable commission charge off

charge-back of support department cost

charged property charge-in-escrow

bebas beban

pembebanan balik biaya departemen pendukung harta tergadai gadaian eskrow

chart

bagan

chartered financial anal^yst

analis-keuangan resmi; analis keuangan terdaftar

charting chartist

pembaganan pembagan

check

cek

checking account

rekening koran

checklist

daftar uji; daftar periksa

cheque book chequeleave chequing account

bukkif cek lembar cek

chief cashier

churning activity circular note

rekening;cek; akun cek kasirkepala kegiatan churning surat utahg gadai

circulating capitaf

modal kerja

circulating letter of cred'rt

surat kredit beredar

claim

tuntutan

class

kelas

classified account classified amount

akun rs^asia

jumlah rahasia

classified asset clean credit

aset rahasia

clean money policy clearing department

kebijakan^uang bersih lembagakliring penyelesaian dan

clearing house

lembaga kliring; lembaga kliring

clearing House System (ACH)

Sistem Balai Kliring sistem kliring waktu klirihc!

kredit niragun

penyimpanan

clearing system clearing time

18

client accountAcommitment fee

clientele effect model

rekening nasabah obligasi klien model dampak pelanggan

close

penutup

close a position closed book period

co-guarantor co-lead manager

menutup kedudukan periode tutup buku tutup paksa reksa dana tertutup pemegangan terbatas hari penutup harga penutup penawaran penutup kurs penutup penanggung peserta pendamping manajer utama

collateral

agunan

collateral dokumentation

pendokumenan agunan margin agunan obligasi beragun ketertagihan efisiensi penagihan pola tagihan

client account

client bonds

closed out closed-end fund

closely held closing day closing price closing quote closing rate

collateral margin collateral trust bond

collectibility collection efficiency collection pattern collection period collection policies and procedures collection system collective bargaining agreements

periode tagihan; periode penagihan prosedur dan kebijakan penagihan

co-maker loarr

sistem penagihan persetu}uan tawaran kolektif pesanan kolektif hak kolektif pemegang saham pin^aman bersama

combination

kombinasi

combined leverage commemorative coin

pengumprlan terpadu uang logam peringatan

commercial bank

bank umum

collective order

collective rights of stockholders

commercial financing

pendanaan komersial

commercial forward contract commercial loan

swap kredit komersial

commercial paper

surat berharga; surat komersial

commision

komisi

commision broker

pialang komisi

commited cost

biaya tersepakat; biaya ikatan biaya komitmen; biaya kesepakatan

commitment fee

19

commodity future markets^confllct of Interest commodity future markets

pasar komoditi berjangka

common share

saham biasa

common stock

saham biasa

common stock equivalent

setara saham biasa

common stock fund

dana saham

comparable earning method comparative costs comparative ratio analysis

metode hasil terbanding biaya komparatif; biaya bandingan analisis nisbah komparatif; analisis nisbah berbanding

compensation balance compensation expenditure

baki kompensasi pengeluaran ganti rugi; pengeluaran kompensasi rencana kompensasi; paket imbalan proteksi imbalan bagi pengelola

compensation plan compensation protection for executive •

compensations cost competitive bid competitive factor

confirmation slip

biaya kompensasi tawaran bersaing butir saing; faktor saing; saing komperitif kompilasi akun kompasit; akun gabungan indeks gabungan/komposit penyelesaian berkomposisi opsi tumbuh majemuk tingkat pertumbuhan ganda bunga majemuk opsi majemuk; opsi berganda bunga majemuk amanat beli berkomputer amanat jual berkomputer perjanjian konsesi pemindahan hak bersyarat kontrak jual bersyarat teori keyakinan pemastian komisi pengesahan (m) pengesahan baki slip pemastian

confirmed letter of credit

surat kredit disahkan

confirming bank

bank penguat surat kredit benturan kepentingan

compillation composite account composite index composition settlement compound growth options compound growth rate compound interest compound options compounded interest computerized buy order computerized sell order concession agreements conditional endorsement conditional sales contract

confidence theory confirmation

confirmation commission confirmation of balance

conflict of interest

20

conglomeratesttcontrol-limit framework conglomerates

konglomerat perbankan tumpuan

consentratlon banking consentration of credit

pemusatan kredit

consingments

konsinyasi obligasi konsol; obligasi abadi berkupon rekening koran konsolidasi obligasi konsolidasi

consol bond

consolidated financial statement

consolidated mortgage bonds consortium bank consortium lender

bank konsorsium

pemberi kredit konsursium anggota konsursium

consortium member

beban tetap; biaya tetap pengukuran dolar tetap rencana dolar tetap rencana nisbah tetap

constant cost

constant dollar measurenent

constant dollar plan constant ratio plan constructive dividend

dividen konstruktif

consular invoice

faktur konsuler kredit konsumsi

consumer credit consumer debenture

utang pengguna

consumer loan

kredit konsumen

consortium loan

pinjaman konsursium kontango dana kontingensi kerugian kontingen

contango contingency funds

contingency loss contingent earn-out arrangement

pengeluaran tak hirau hasil

contingent liabilities

kewajiban bersyarat; kewajiban kontingen

contingent order contingent payments

amanat ganda

continuous budgets

kontingen anggaran sinambung pialang penganti

pembayaran bersyarat; pembayaran

contra broker

contract grade contract note

mutu kontrak nota kontrak

contract slip contractual liability

kewajiban kontraktual

contrarian

kontrarian

contribution margin

margin kontribusi pengendalian pengontrol; kontroler kerangka batas kendali

nota kontrak

control controller

control-limit framework

21

controlling interest^cost flow

convergence point

pengendalian kepentingan trance konvensinat (m) titik pumpun

conversion

tukar

conversion cost

biaya konversi paritas tukar periode konversi premi tukar harga konversi; harga tukar

controlling interest convensjonal tranche

conversion parity conversion period conversion premium conversion price conversion privilege conversion ratio conversion value convertible bonds

hak konversi

nisbah konversi; nisbah tukar nilai tukar

convertible currency

obligasi t>oleh tukar; obligasi boleh tukar; obligasi tertukarkan mata uang tertukarkan

convertible preferred stock

saham istimewa tukar; saham

convertible securities convertible stock

sekuritas tukar

prioritas boleh tukar saham tukar

cooperative bank

bank koperasi

corner

korner

cornering the market corporate bond corporate bureaucracy corporate dividend policy corporate member corporate organization corporate profiles corporate restructuring

penggirigan pasar obligasi perusahaan birokrasi perusahaan kebijakan dividen perusahaan anggota korporasi organisasi korporasi profil perusahaan restrukturisasi perusahaan; restrukturisasi korporasi strategi korporasi; strategi perusahaan anak perusahaan program kliring dagang

corporate strategy

corporate subsidiaries corporate Trade Payment program (CTR) corporate treasurer

bendahara perusahaan

corporative bank

bank pandanan korporasi harga dan angkut pusat biaya

cost and freight cost center

cost element cost flow

elemen biaya aliran biaya

22

co^t forecastin^credit

prakiraan biaya biaya dana petunjuk biaya metode biaya sasaran biaya t>iaya modal;biaya kapital biaya utang biaya pelepasan biaya ekuitas biaya ekuitas eksternal harga pokok barang terjual biaya kredit biaya saham istimewa biaya saldo laba harga pokok penjualan biaya pelayanan pool biaya; tempat kumpulan biaya; pangkalan biaya penurunan biaya struktur biaya biaya; asuransi; angkut analisis biaya-volume-laba penjamin peserta emisi efek uang logam palsu uang palsu biaya pengimbang larang bayar tanda tangan pendamping

cost forecastin cost fund

cost guidance cost method

cost objective cost of capital cost of debt

cost of diposal cost of equity cost of external equity cost of goods sold cost of loans

cost of preferred stock

cost of retained earnings cost of sales

cost of servicing cost pool cost reduction cost structure

cost; insurance; freight cost-Volume-Profit (CVP) analysis co-underwriter counterfeit coin

counterfeit money counter-guarantee

countermand of payment countersign countervailing credit

kredit balasan

kupon; PMOD rekening kupon obligasi kupon tingkat bunga kupon hasil kupon

coupon

coupon account coupon bond coupon rate

coupon yield covenant

syarat

covenant bond

obligasi bersyaraf

cover

tutup

covered call writer

covered option covered put writer

penjual tarik terjamin opsi terjamin pembeli tarik terjamin

credit

kredit

23

credit admlnlstratlon^credit terms credit administration credit advice

credit agencies credit aplicant credit aplication credit appraisal credit assessment

administrasi kredit advis kredit

keagenan perkreditan pemohon kredit permohonan kredit penilaian kredit(m) penilaian kredit

credit bureau

biro kredit

credit card

kartu kredit

credit ceilling credit company credit contract

pagu kredit perusahaan kredit perjanjian kredit; kontrak kredit

credit dislocation

dislokasi kredit

credit draft

wesel

credit enquiry credit entry credit export credit exposure

pertanyaan kredit(m) jurnal kredit kredit ekspor tampilan kredit

credit file

berkas kredit

credit form credit function

formulir aplikasi kredit fungsi kredit

credit insuranceansi

kredit

credit investigation

pemeriksaan kredit jiwa kredit pagu kredit

credit life insuranceansi credit limit

batas kredit

credit limit credit line

*

credit monitoring system credit period credit policy credit proposal credit quality credit rating credit requirement credit review

fasilitas kredit sistem monitor kredit

jangka kredit; periode kredit kebijakan kredit permohonan kredit kualitas kredit

pemeringkatan kredit persyaratan kredit kaji kredit; telaah kredit

credit risk

risiko kredit

credit scoring system credit skoring credit slip

sistem penilaian kredit penilaian kredit bukti penarikan kredit jangka kredit syarat kredit

credit term credit terms

24

credit transferttcurrent yield credit transfer

transfer kredit

credit voucher

vaucher kredit

crediting bank

bank pengkredit

creditor

kreditur

creditworthy critical path method (CPM)

laik kredit; pelayakan kredit metode jalur kritis silang masalah lintas negara cek berpalang kliring silang tarik silang jual silang perdagangan silang amanat silang kurs silang himpunan

cross

cross border problem cross cheque cross clearing cross firing cross sale

crossed trade

crossing order cross-rate

crowd

crus spot

kurs tunai; sisa hasil usaha

cum

termasuk

cum all

cum right cummulative preferred stocks

dengan semua; serta semua dengan bonus; serta bonus dengan dividen dengan hak saham prioritas kumulatif

cumulative dividen

dividen kumulatif; PMOD

cumulative income bond

obligasi pendapatan kumulatif uang kartal pengendalian valuta konversi mata uang pertukaran valuta indeks mata uang opsi mata uang

cum bonus

cum dividend

currency

currency controls currency conversion

currency exchange currency index currency option

swap mata uang unit mata uang

currency swap

currency unit

rekening giro; rekening koran manajemen aktiva lancar tetap; aktiva loncat kupon obligasi lancar nilai pasar berlaku periode berjalan biaya jasa kini hasil kini; hasil berjalan

current account

current asset management current assetiva tidak

current coupon bond current market value

current period current service cost

current yield

25

cushion bond•cyclical stock cushion bond

obligasi kusien

cushion theory

teori kusien

customer account customer confirmation

rekening langganan

customer service report

laporan layanan pelanggan

pemastian nasabah

customer's reference card

kartu nasabah

cut-off point cyclical stock

titik pisah batas saham berdaur

26

daily balance daily rest daily target framework daily trading limit daisy chain data collection system date assignment

saldo harian

perkiraan harian (m) kerangka target harian batas perdagangan harian perdagangan daisi sistem koleksi data

tanggal alih hak

date of issuance

hari emisi

date of record

tanggal catat tanggal hari batas siang (m) pinjaman sehari

dated date

day light limit day loan day order day trade

amanat sehari

dealing room dealing slip dear money

perdagangan harian pialang ruang dealing slip dealing uang mahal

death benefits

santunan kematian

debenture

debenture stock

obligasi niragun obligasi niragun pemegang obligasi niragun saham obligasi niragun

dealer

debenture bonds debenture holder debit advice

advis debet

debit advice note

nota debet

debit balance

baki debet; baki debit pendanaan debit

debit funding debit spread debiting bank debt certificate debt collection debt flows

debt instrument

spread debit; lebihan debit bank pendebet sertifikat deposito penagihan utang aliran utang instrumen utang

27

debt management^degree of leverage

debt-equity mix

pengelolaan utang kebijakan utang posisi utang nisbah utang pelunasan utang surat utang; sekuritas utang pelunasan utang; kemampuan penulasan utang paduan utang ekuitas

debtor

debitur

decapilization

dekapitalisasi

debt management

debt policy debt position debt ratio

debt retirement

debt security debt service

decentralized firm

perusahaan terdesentralisasi

decimal coinage

declaration date

sistem pecahan uang kerangka keputusan proses keputusan pohon keputusan tanggal deklarasi

declaration of dividend

deklarasi dividen

decision framework

decision process decision trees

declines

menurun

deductible loss

rugi boleh hitung obligasi diskonto uang lusuh cidera janji rekening cidera janji bunga cidera janji khabar cidera janji

deep discount bond deface note

default default account default interest default notice

defensive acquisitions defensive policy

akuisisi bertahan

defensive securities defensive stock

efek bertahan saham bertahan

deferred annuity deferred bond

anuitas tangguhan obligasi tunda

deferred compensation

kompensasi tangguhan

deferred income tax

deferred taxes

pajak penghasilan tangguhan bunga obligasi tangguhan jaminan penagguhan pembayaran pengakuan tangguhan pajak tangguhan

defferal

penangguhan

deficiency letter degree of leverage

memo pelengkap tingkat utang

deferred interest bond

deferred payment guarantee deferred recognition

kebijakan bertahan

28

delayed dellvery^deslgnation of account delayed delivery delayed opening delinquent account delinquent bill delisting delivery bill delivery date delivery month delivery notice delivery versus payment basis

bukti penyerahan tanggal penyerahan bulan penyerahan pemberitahuan penyerahan penyerahan waktu pembayaran

delta

delta

demand deposit

giro wesel bayar prakiraan permintaan

penyerahan terlambat perdagangan tertunda rekening tertunggak wesel tertunggak penghapusan di pencatatan bursa

demand draft

demand forecasting demand-capacity imbalances

ketidakseimbangan kapasitas

demolition of property

permintaan perobohan bangunan

demonetization

demonetisasi

denomination

denominasi

department stores deposit deposit account deposit base deposit certficate deposit faund deposit money bank deposit on call deposit outstanding deposit rate

toko serba ada

deposito rekening deposito asas deposito sertifikat deposito dana deposito bank deposito deposito bebas

deposito terkumpul (m) tingkat burlga deposito koperasi penerima deposito lembaga penerima deposito penghubung penyimpan lembaga penerima deposito sistem depositori reksa dana depositori

deposit taking cooperative deposit taking institution depository correspondent depository institution depository system depository trust company depreciable amount depreciation funds depth of the market

jumlah tersusutkan dana penyusutan

kedalaman pasar

derivative transaction

transaksi derifatif

descending tops

puncak menurun penetapan rekening

designation of account

29

development bankttdiscretionary order development bank diagnostic analysis diagonal spread

bank pembangunan analisis diagnostik penyebaran diagonal

dicounted bill

wesel didiskontokan

differential cash flow

arus kas diferensial

dilution

dilusi

dilution of earnings dip direct divisional profit direct financing method direct hire purchase with recourse direct hire purchase without recourse direct lease financing disagio disbursement funding disbursement system disbursing bank disbursment date

discharge disclosure

dilusi hasil

dip laba langsung divisi metode pembiayaan langsung sewa beli langsung dengan jaminan sewa beli langsung tanpa jaminan pembiayaan sewa guna langsung disagio pembayaran pendanaan sistem pembayaran bank pembayar tanggal pengeluaran bebas biaya pengungkapan

disclosure of information

keterbukaan informasi

disclosure requirement discontinued operation

syrat-syrat pengungkapan operasi terputus disagio; diskonto obligasi berdiskonto obligasi berdiskonto anjak piutang berdiskonto lembaga diskonto

discount discount bond discount bonds

discount factoring discount house discount loans

kredit berdiskonto

discount rate

tarif diskonto

discount window

jendela diskonto

discount yield discounted Cash Flow (DFC)

hasil diskonto metode arus kas terdiskonto

discounted cash flow methode

metode arus kas terdiskonto

discounted interest

bunga terdiskonto

discounted value of annuity discounting the news discretionary account discretionary cost centers discretionary expenses discretionary order

nilai kini anuitas

berita isyarat perkiraan berwewenang pusat biaya bebas biaya bebas amanat berwewenang

30

discretionaty trust^domestic banking discretionary trust dispatch money dispute

reksa dana

distribution

uang kiriman pertikaian distribusi; penyebaran

distribution area

kawasan distribusi

distribution controller

pengawas distribusi biaya sistem distribusi diversifikasi; penganekaragaman perusahaan terdiversitikasi

distribution system cost diversification

diversified companies diversified mortgage investor

investor obligasi terdiversitikasi

divestitures

pendivestasian

divestment

divestasi

dividend

dividen

dividend declaration

deklarasi dividen; maklumat dividen

dividend disbursing agent

badan pembayaran dividen

dividend discount model

model diskonto dividen

dividend payment dividend payout ratio

dividend rate

pembayaran dividen nisbah bayaran dividen; nisbah pembayaran dividen dividen per saham kebijakan dividen tingkat dividen

dividend record

catatan dividen

dividend reinvestment plan dividend requirement dividend roll over plan

rancangan tanam ulang dividen; rancangan reinvestasi dividen syarat dividen rencana putar kembali dividen

dividend stock

saham dividen

dividend Per Share (DPS) dividend policy

dividend yield

hasil dividen

divisional concentration

konsentrasi per divisi; konsentrasi

docketing fee document against acceptance document against payment documentary credit dokumentary bill

biaya administrasi dokumen saat akseptasi dokumen saat bayar

dollar bond

obligasi dolar

dollar stock

saham Amerika; saham dollar

dollar-weighted availability dollar-weighted rate of return domestic banking

kadar dolar tertimbang kadar pulangan dolar tertimbang perbankan domestik

divisional

kredit berdokumen wesel

31

early exercise

pelaksanaan awal

early warning system

sistem hindar dini

earning Before Interest and Taxes (EBIT) earning before taxes

laba prabunga dan pajak laba prapajak

earning per share (EPS)

hasil per saham

earning power earning process earning-price ratio earnings valuation model earnings yield

daya laba; kemampuan laba proses perolehan penghasilan nisbah laba-harga

economic benefit

maslahat ekonomi; manfaat ekonomi jumlah pesanan ekonomis

model penilaian laba hasil

economic Order Quantity (EGO) economic risk

risiko ekonomi

effect of leverage

dampak umpilan

effective date effective interest rate

tanggal efektif

effective margin effective rate

margin efektif tingkat efektif

tingkat bunga efektif

effective yield

hasil efektif

effective-cost-of-leasing method

metode biaya sewa-guna-usaha

efficient market

pasar efisien

efektif

efficient market frontier

batas pasar efisien

efficient market theory either or order

teori pasar efisien portofolio efisien pesanan salah satu

electronic funds transfer

transfer dana elektronik

efficient portofolio

eligible bill eligible paper elliot wave theory

wesel layak; wesel memenuhi syarat

embezzlement

surat berharga teori gelombang Elliot penggelapan

emergent stocks

sediaan darurat

33

domestic borrowingAduty-exemptlons domestic borrowing dominance principle

pinjaman dalam negeri prinsip penguasaan aset donasian; aset sumbangan modal sumbangan rerata dana uang Donoghue rekening tidur

donated asset

donated capital donoghue's money fund average dormant account

dormant balance

baki tidur

double barreled bond

obligasi berlaras ganda titik rendah berganda; batas bawah ganda pembiayaan ganda pengumpilan ganda pajak ganda titik tertinggi berganda; batas puncak ganda akun piutang diragukan kredit diragukan; piutang ragu-ragu

double bottom

double financing double leverage double taxation

double top doubtfull account doubtfull credit

Dow Jones average DOW theory down payment downside protection

rerata Dow Jones

teori DOW

uang muka perlindungan sisi bawah

downside risk

risiko sisi bawah

downstream merger downtrend

peleburan ke hilir kecenderungan menurun

downturn draft

wesel

berubah turun

penarikan tanggal penarikan masa penarikan pinjaman

drawdown drawdown date

drawdown period

petarik penarik rekening koran vaucer pengeluaran (m)

drawee

drawer

drawing account drawing voucher drive in bank

bank mobil

du pont formula dual purpose fund dual-listing dual-purpose fund

formula Du Pont

due date

dumping (stocks) duplicate duty-exemptions

dana maksud ganda; dana dwitujuan dicatat pada dua bursa dana dua tujuan jatuh tempo dumping duplikat bebas bea

32

empirical market iine^exact interest empirical market line employee share option scheme employee Stock Ownership Plans (ESOP) employee stock plan

employee trust fund Employee's Provident fund (EPF) end financing endorsee endorsement

garis pasar empirik skema opsi saham pekerja rencana kepemilikan saham karyawan paket saham karyawan; rencana saham karyawan dana amanat karyawan dana hari tua karyawan pembiayaan akhir perterima hak pengesahan; endosemen; pindah hak

endorsement cheque endorsement without regress

cek endosemen

endorser

endosan; pengalih hak hipotek dwiguna surat perikatan; akad pusat biaya terekayasa

endowment mortgage

engagement letters engineered cost center

endosemen nirbatal

entrepreneurs

wirausaha

equipment bonds equipment trust certificate equitable mortgage equity (capital) equity insolvency equity kickers equity receivership

obligasi peralatan sertifikat trust

kuasa memasang hipotek ekuitas insolvensi ekuitas

waran; bukti right pengampuan

equity split equivalent bond yield equivalent taxable yield

pecah modal hasil obligasi ekuivalen hasil terpajak ekuivalen

escrow

eskrow

escrow account

akun eskrow; rekening eskrow obligasi Eropa; Eurobond

eurobond

euro-currency

mata uang euro

euro-dollar

euro-dolar

eurodollar bond

obligasi euro-dolar opsi Eropa pinjaman nirkala kredit berulang nirkala

european option evergreen loan evergreen revolving credit ex tanpa

waktu peralihan bunga pasti

ex date exact interest

34

ex-all*external account

tanpa semua tanpa bonus margin lebih

ex-all ex-bonus

excess equity/margin excess liquidity

kelebihan likuiditas

cadangan berlebih bursa (pasar) pengendalian devisa pedagang valuta asing

excess reserve

exchange exchange control exchange dealer exchange distribution exchange equilisation fund exchange rate exchange ratio exchange-of-shares acquisition

distribusi bursa dana stabilisasi devisa

nilai tukar; kurs

nisbah pertukaran akuisisi tukar saham

ex-dividend date

tanpa dividen tanggal tanpa dividen

execute

terlaksana

executory contract exempt property

kontrak pelaksanaan proferti terkecuali

exempt securities

efek terkecuali

exercise

pelaksanaan batas pelaksanaan nota pelaksanaan harga pelaksanaan investasi perluasan teori pengharapan; teori ekspektasi hasil harap anggaran biaya tanggal kedaluwarsa; tanggal jatuh

ex-dividend

exercise limit exercise notice

exercise price expansion investment expectation theory expected return expense budget expiration date

tempo

expired account expired date expired guarantee export credit export credit refinancing

rekening kedaluwarsa

extendible bond

tanggal kedaluwarsa jaminan kedaluwarsa kredit ekspor pembiayaan ulang kredit ekspor manajemen pengeluaran tanpa hak obligasi tunda penyelesaian diperpanjang obligasi terpanjangkan; obligasi

external account

rekening eksternal

exposure management

ex-rights extended bond

extended settlement

mulur

35

external analysisAeyeball approach external analysis external equity

ekuitas pinjaman; modal pinjaman

external funds

dana luar

analisis eksternal

external growth

pertumbuhan eksternal

extra

ekstra

extra dating

tanggal ekstra

extra dividend

dividen ekstra

extraordinary post

pos luar biasa

ex-warrants

tanpa waran

eyeball approach

ancangan bola mata

36

face amount certificate

sertifikat nominal

face value

nilai nominal

factoring

anjak piutang gagal serah gagal terima

fail to deliver fail to receive

fair and orderly markets

pasar yang adil teratur

fair market value

nilai pasar wajar tingkat hasil layak perdagangan adil provinsi jatuh balik

fair rate of return fair trade

fallback provision fannie-Mae

Fannie Mae

farther in

lebih cepat

farther out

lebih lam bat

feasibility study

studi kelayakan

federal funds

dana federal

federal reserve bank

bank cadangan federal

federation internationale des bourses

Federasi Bursa dan Penilai

de valeurs (FIBV)

Internasional

fee

imbalan

fee-based income

pendapatan atas dasar fee perkiraan fiktif dana jaminan fidusia; penerimafidusia pertanggungjawaban fidusia

fictitious account

fidelity fund fiduciary fiduciary responsibility field concentration

konsentrasi usaha

field deposit reporting field warehousing method filing for bankruptcy fill or kill

laporan saldo regional metode pergudangan lapangan pendaftaran kepailitan pemenuhan amanat harga mati

fill or kill order

amanat khusus atau batal

fill price filling fee

harga amanat biaya pendaftaran

fill

37

finan cial leasettfinancial time index

sewa guna keuangan lembaga keuangan perusahaan keuangan anak perusahaan keuangan

finan cial lease

finance companies finance company finance subsidiaries

financial accounting

akuntansi keuangan; perakunan keuangan penasihat keuangan

financial adviser

analysis

financial statements financial structure

analisis keuangan aset keuangan pengauditan keuangan anggaran keuangan klaim keuangan; tuntutan keuangan sistem kendali keuangan keluwesan keuangan prakiraan keuangan pasar kontrak berjangka kontrak berjangka pasar kontrak berjangka insentif keuangan; perangsang keuangan lembaga keuangan instrumen keuangan perantara keuangan perantaraan keuangan; intermediasi keuangan kempilan keuangan; pengumpilan keuangan manajemen uang pasar keuangan jaringan keuangan jaringan berita keuangan surat berharga rencana keuangan perencanaan keuangan kebijakan keuangan nisbah keuangan risiko keuangan industri jasa keuangan laporan keuangan struktur keuangan

financial time index

Indeks Financial Time; indeks waktu

financial

financial assets financial financial

auditing budget

financial claim

control system flexibility financial forecasting financial financial

financial future contract

financial futures financial futures morket financial incentives financial institution financial instrument

financial intermediary financial intermediation

financial leverage financial

management

financial market financial network financial news network financial paper financial

financial financial

plan planning policy

financial ratio

financial risk financial service industry

finansial

38

financing activityivitas^floating interest bond financing activityivitas financing cost

pendanaan biaya pendanaan

fire insuranceansi

kebakaran

firm commitment

kesepakatan pasti; kesepakatan

first call date

tanggal panggil pertama hipotek pertama obligasi hipotek pertama; obligasi jaminan hipotek saham istimewa pertama kebijakan fiskal; kebijakan pajak penutupan beban tetap beban tetap sistem penyerahan tetap dana berpendapatan tetap investasi berpendapatan tetap sekuritas berpendapatan tetap obligasi bunga tetap pinjaman tetap harga tetap sistem kendali sediaan jumlah tetap

resmi

first mortgage first mortgage bond first preferred stock fiscal policy fixed charge coverage fixed cost

fixed delivery system fixed income fund

fixed income investment

fixed income security fixed interest bond fixed loan

fixed price fixed quantity inventory control system

flat rate

wesel bunga tetap sekuritas bunga tetap mendatar; tarif tetap obligasi mendatar pasaran mendatar tingkat bunga rata

flat scale

skala mendatar

flexible budget

anggaran luwes; anggaran fleksibel apungan; ambangan; ambang; emisi manajemen pengambangan pengambangan biaya emisi isu mengambang aset mengambang

fixed rate note

fixed rate security flat flat bond

flat market

float

float management floatation floatation cost

floating an issue floating asset floating charge

floating currency

beban mengambang mata uang mengambang

floating debt

utang mengambang

floating exchange rate floating interest bond

nilai tukar mengambang obligasi berbunga mengambang

39

floating ratettforged transfer policy floating rate floating rate note

floating securities floating supply floor broker

floor plan floor space cost

kurs mengambang; tarif kambang; tingkat bunga mengambang surat utang berkurs mengambang; wesel tarif kambang; surat utang bunga mengambang efek mengambang penawaran mengambang pialang lantai bursa rencana dasar

flotation cost

biaya penyediaan tempat ringkasan informasi pengambangan biaya pengambangan

flow back ratio

nisbah arus balik

fluctuation limit fluctuation share

batas fluktuasi

floor ticket flotation

forced conversion forced sale value

forecasting forecasting period foreign bank foreign bond market foreign currency swap foreign direct invesment foreign entities foreign exchange foreign fund foreign income tax credit foreign inverter

foreign investment analysis foreign investment committee

harga saham yang turun naik penukaran paksa nilai jual paksa prakiraan periods peramalan; periods prakiraan bank asing pasar obligasi asing swap valuta asing; swap valas investasi langsung asing entitas asing valuta asing; valas dana asing kredit pajak penghasilan luar negeri pemodal asing; investor asing analisis investasi asing Badan Koordinasi Penanaman Modal

pinjaman luar negeri kegiatan usaha luar negeri

foreign loan foreign operation foreign security foreign stocks foreign subsidiaries forged signature forged transfer

anak perusahaan asing tanda tangan palsu transfer palsu

forged transfer policy

polls pemindahan palsu (m)

sekuritas asing saham asing

40

financing activityivitas9floating interest bond financing activitylvitas financing cost

biaya pendanaan

fire insuranceansi firm commitment

kesepakatan pasti; kesepakatan

pendanaan kebakaran resmi

first call date

tanggal panggil pertama hipotek pertama

first mortgage first mortgage bond

obligasi hipotek pertama; obligasi jaminan hipotek saham istimewa pertama

first preferred stock fiscal policy

kebijakan fiskal; kebijakan pajak

fixed charge coverage

penutupan beban tetap beban tetap

fixed cost

fixed delivery system

sistem penyerahan tetap dana berpendapatan tetap investasi berpendapatan tetap sekuritas berpendapatan tetap obligasi bunga tetap pinjaman tetap harga tetap sistem kendali sediaan jumlah tetap

fixed income fund

fixed income investment

fixed income security fixed interest bond fixed loan

fixed price

fixed quantity inventory control system fixed rate note flat

wesel bunga tetap sekuritas bunga tetap mendatar; tarif tetap

flat bond

obligasi mendatar

flat market flat rate

tingkat bunga rata

flat scale

skala mendatar

flexible budget

anggaran luwes; anggaran fleksibel apungan; ambangan; ambang; emisi manajemen pengambangan pengambangan biaya emisi isu mengambang

fixed rate security

float

float management floatation floatation cost

floating an issue floating asset floating charge

floating currency floating debt floating exchange rate floating interest bond

pasaran mendatar

aset mengambang

beban mengambang mata uang mengambang utang mengambang nilai tukar mengambang obligasi berbunga mengambang

39

floating rate«forged transfer policy floating rate floating rate note

kurs mengambang; tarif kambang; tingkat bunga mengambang surat utang berkurs mengambang; wesel tarif kambang; surat utang

floating securities floating supply floor broker

floor plan floor space cost floor ticket flotation

flotation cost flow back ratio fluctuation limit fluctuation share

forced conversion forced sale value

forecasting

forecasting period foreign bank foreign bpnd market foreign currency swap foreign direct invesment foreign entities foreign exchange foreign fund

foreign income tax credit foreign inverter

bunga mengambang efek mengambang

penawaran mengambang pialang lantai bursa rencana dasar

biaya penyediaan tempat ringkasan informasi pengambangan biaya pengambangan ^ nisbah arus balik batas fluktuasi

harga saham yang turun naik penukaran paksa nilai jual paksa prakiraan periode peramalan; periode prakiraan bank asing

pasar obligasi asing swap valuta asing; swap valas investasi langsung asing entitas asing valuta asing; valas dana asing

kredit pajak penghasilan luar negeri pemodal asing; investor asing

foreign investment analysis foreign investment committee

analisis investasi asing

foreign loan foreign operation foreign security foreign stocks

pinjaman luar negeri kegiatan usaha luar negeri

Badan Koordinasi Penanaman Modal

sekuritas asing saham asing

foreign subsidiaries

anak perusahaan asing

forged signature

tanda tangan palsu transfer palsu

forged transfer forged transfer policy

polls pemindahan palsu (m)

40

forgeryAfund manager forgery formula investing

formula investasi

forward contract

kontrak dimuka

forward exchange contract forward exchange market forward payable forward pricing

kontrak valuta asing berjangka pasar valas berjangka utang berjangka harga di muka piutang berjangka penjualan berjangka penilaian berjangka transaksi valuta berjangka saham pendiri pasar keempat saham pecahan

pemalsuan

forward receivable forward sale

forward valuing forward/future exchange contract founder's share fourth market

fractional share franchise

waralaba

fraudulent transfer

free and open market

transfer curang pasar bebas terbuka

free Cash Flow (POP)

arus kas bebas

free rider

pedagang nirmodal

free security

sekuritas bebas

freehold asset

hak

freely convertible currency fringe benefits

mata uang bebas tukar tunjangan; maslahat sampingan

front end load

beban awal-akhir

front running

lari depan upah bayar di muka pembebanan muka-belakang

front-end fee

front-end loading fronting loan

kredit awal

rekening beku sistem biaya penuh obligasi berkupon penuh anggaran kerja-purnawaktu sewa guna usaha penuh laba per saham terdilus penuh

frozen account

full cost system full coupon bond full-employment budget full-payout lease

fully diluted earnings per (common) share

fully paid stock fully valued

saham lunas

fund

dana

nilai penuh

fund flow

arus dana

fund flow statements

laporan arus dana manajer investasi

fund manager

41

fund transferAfutures contract fund transfer

transfer dana

fundamental analysis

analisis fundamental

fundamental beta

beta dasar

fundamental errol

kesalahan mendasar; galat men-

fund-based income

funding cost

pendapatan atas dasar dana utang berdana; utang berjaminan biaya pendanaan

furniture and fixtures

inventaris

future market

pasar berjangka perdagangan berjangka nilai berjangka; nilai masa depan faktor nilai berjangka kontrak berjangka

dasar

funded debt

future trading future value future worth factor futures contract

42

gamma probability distribution

distribusi probabilitas gamma; distribusi kementakan gamma senjang taktik menurunkan harga batu permata

gap

gather in the stops gem stone

general and administrative expenses

beban umum dan administrasi

general mortgage bonds general partnership general purpose financial statement geographic market geometric rate of return

obligasi jaminan tergadai persekutuan umum

laporan keuangan umum pasar geografis

tingkat pulangan geometrik keluar pasar

get out gilt-edged

efek stabil

gilt-edged security gilts ginnie Mae giro giro bilyet giro system

efek unggul lapisan em as Ginnie Mae

giro bilyet giro sistem giro saham tumbuh raya saham primadona ancangan global obligasi jagat; obligasi global

glamour growth stock glamour stock global approach global bond goal congruence go-go fund going away going concern going concern value going long going public

selaras sasaran; sesasaran dana menarik

pelepasan bisnis sinambung; bisnis ajek nilai kesinambungan usaha posisi buta masuk bursa; penawaran umum; memasyarakat posisi jual obligasi emas

going short gold bond 43

gold cointtguarantor syndicate gold coin gold fixing gold mutual fund gold standard good delivery good this month order (GTH) good this week order good till cancelled order goodwill goodwill negatif go-public

uang logam em as penetapan harga em as dana beramanat em as

standar em as

serah sempurna amanat berbatas bulan ini

amanat berbatas minggu ini amanat tanpa batas waktu goodwill; muhibah muhibah negatif memasyarakatkan saham; masuk bursa

gordon growth model government bond

government securities government trust fund government-owned corporations grace period

model pertumbuhan Gordon obligasi pemerintah surat berharga pemerintah; sekuritas pemerintah dana bersama pemerintah BUMN

masa tenggang; masa bebas angsuran

graduated security grantor grants graveyard market gross interest

gross interest margin gross margin gross spread group of business growth growth fund growth stock guarantee

guarantee fee guaranteed bond guaranteed investment contract guaranteed loan guaranteed payment

guaranteed stock guarantor syndicate

sekuritas naik daun

pedagang opsi bantuan dana

pasar mati bunga kotor margin bunga kotor laba kotor; laba bruto

penyebaran kasar kelompok usaha pertumbuhan dana bersama investasi spekulatif saham tumbuh

jaminan imbal jasa jaminan obligasi berjamin; obligasi terjam in/bergaransi kontrak investasi berjamin kredit berjamin bayaran terjamin; bayaran berjaminan saham terjamin; saham berjaminan sindikat penanggung

44

H haj pilgrimage expenses half-stock

hammering the market handling bank handling fee hard cash

hard currency hard money head and shoulders

hearing heavy market hedge fund hedging hedging pressure theory of interest rate

ongkos naik haji (ONH) separuh saham prediksi pasar saham turun bank pelaksana imbal jasa pelaksanaan uang tunai mata uang kuat; valuta kuat uang kuat; uang kertas kepala bahu dengar pendapat pasar merosot tajam dana lindung nilai perlindungan nilai teori tekanan silang lindung tarif bunga

Hemline theory

teori Hemline

hidden assetiva

tersembunyi cadangan tersembunyi saham risiko tinggi obligasi andal obligasi serta hasil saham canggih metode tinggi-rendah

hidden reserve

high flyer high grade bond high premium convertible debenture high tech stocks high-low method highs high-technology acquisition hire purchase

saham kuat

akuisisi teknologi tinggi sewa beli

kos historis; biaya historis kisar harga efek

historical cost

historical trading range historical yield

hasil historis

ambil tertinggi induk perusahaan periode tahan penahanan efek hasil

hit the bid

holding companies holding period holding period of return

45

holding the market«hypothecatIon of securities holding the market

tahan pasar

home banking

perbankan rum ah tangga pinjaman dalam negeri

home loan home run

kembali

horizon analysis horizontal price movement horizontal spread

analisis horizon

gerak harga horizontal sebar horizontal

hospital revenue bond

obligasi rum ah sakit

hot issue

saham laris

hot money

uang panas

hot stock

saham melonjak tajam lembaga penerbit efek obligasi perumahan

house of issue

housing bond housing credit institution hulbert rating hung up hurdle rate

hypotecation hypothecation of securities

lembaga kredit perumahan peringkatan hulbert terperosok tarif perintang penggadaian

penggadaian sekuritas

46

idle fund

dana menganggur

idle money

uang menganggur

if converted method

metode bila konversi

illiquid illiquidity

sulit laku; tak lancar ketaklikuidan; ketidaklancaran

imbalance of orders

pesanan tak seimbang

immaterials items

unsur takmaterial

immediate or cancell order

inactive market

amanat cepat atau batal pembayaran segera penurunan nilai strategi pendanaan impor baki panjar kas kecil dana tetap akumulasi taklayak hipotek perbaikan pinjaman berbahaya bunga diperhitungkan beli-jual sesaat pendaftaran keputusan menguntungkan dalam tangki rekening pasif obligasi takaktif pasar takaktif

inactive stock

sekuritas takaktif

inactive trading

perdagangan takaktif pedagang efek harian paket tabungan perangsang; paket tabungan insentif perangsang; insentif paket perangsang; paket insentif

immediate payment impairment import financing strategy imprest balance imprest fund improper accumulation improvement mortgage imprudent lending imputed interest in and out

in registration in the money in the tank in-active account

inactive bond

in-and-out trader

incentive savings plans incentives

incentives plans income

hasil; laba

income bond

obligasi hasil; obligasi pendapatan 47

income fundAlnitia! margin requirement dana pendapatan

income fund income method

metode laba-rugi

income statements

laporan laba-rugi

inconvertible money

uang tak konvertibel

incremental cash flow evaluation

evaluasi arus kas inkremental

incremental cost

biaya inkremental biaya modal inkremental

incremental cost of capital incremental investment incremental revenues

investasi inkremental

pendapatan inkremental

incremental Threshold Margin (ITM)

Margin Treshold Imbalan (ITM)

indenture

indentur

independent broker independent investment

pialang bebas investasi independen; investasi

index

indeks

bebas index bond

obligasi indeks

index fund

dana indeks

index linked bond

obligasi indeks

index of interest rate risk

indeks risiko tingkat bunga indeks petunjuk utama; indeks

index of leading indicators

indikator utama indicator

individual bonus award individual investor

individual portofolio individual Retirement Account

indikator; petunjuk piagam bonus individu investor perorangan portofolio perorangan " akun pension individual

(IRA) industrial bank

bank industri

industrial Development Bond (IDB)

Obligasi Pengembangan Industri (OPI)

industry analysis industry classification

analisis industri

klasifikasi industri

industry comparation industry condition industry index industry standard inefficiency

perbandingan industri kondisi industri indeks industri standar industri

boros

inefficient market

pasar takefisien

information sources

nara sumber

initial cheque initial margin requirement

cek sudah parap syarat margin awal 48

initial public offering^interest bearing account initial public offering initial Public Offering (IPO)

penawaran umum awal penawaran perdana; emisi perdana cadangan rahasia

inner reserve

input-output analysis

analisis masukan-keluaran informasi dalam

inside information

pasar internal perdagangan orang dalam orang dalam

inside market

inside trading insider

insider banking insolvency insolvency in a bankcruptcy sense insolvency rule insolvency test installment deposit

bank dalam bank insolvensi

insolvensi kepailitan kaidah insolvensi

installment loan

uji insolvensi deposito angsur pinjaman angsur; kredit cicil

installment payment installment purchase

angsuran beli cicil

installment sales

institutional broker

jual cicil obligasi angsur pemodal kelembagaan pialang kelembagaan

instrument

instrumen

instutional investor

insvestor lembaga;- badan dana tak cukup

instalment bond institution investor

insufficient fund

insurance contract

kontrak asuransi

insured account

rekening berasuransi; rekening

inter-bank balance

baki antarbank

inter-bank borrowing inter-bank call money

interbank offered rate

pinjaman antar bank pinjaman antarbank singkat pasar antarbank pasar uang antar bank suku bunga antarbank

inter-bank rate

tarif antarbank

inter-branch account

rekening antarcabang baki antarcabang obligasi boleh tukar

terasuransi

interbank market

inter-bank money market

inter-branch balance

interchangeable bond intercommodity spread

lebihan antar-komoditi

intercompany dividend

dividen antarperusahaan lebihan beli-jual opsi rekening berbeban bunga

interdelivery spread interest bearing account 49

interest bearing instrumentVinterpretation of financial accounting standard interest bearing instrument interest bond

interest coupon interest determination date

interest during construction interest in-suspense interest rate

interest rate differential

interest rate parity theorem interest rate swap interest tax shelters interim bond

instrumen berbeban bunga obligasi bunga bunga kupon

tanggal penentuan bunga bunga selama periode konstruksi bunga bergantung suku bunga; tarif bunga perbedaan tingkat bunga teori paritas suku bunga tarif bunga swap bunga lindung pajak obligasi pengganti sementara

interim certificate interim dividend

sertifikat interim

interim financial statement interim financial statements

laporan keuangan interim laporan keuangan interim pembiayaan interim laporan interim

dividen interim; dividen sementara

interim financing interim report intermarket spread

lebihan antar pasar

intermarket spread value swap intermediary bank intermediate concentration bank intermediate term

internal auditing internal financing internal rate of return (IRR) internal revenue service internal transferrate

.

swap lebihan antarpasar bank perantara bank perantara khusus jangka menengah pengauditan internal pembiayaan internal tingkat pulangan internal departemen pajak tingkat bunga transfer intern

international accounting standard international acquisition

Standar Perakunan Internasional

international arbitrage

arbitrase internasional

international business finance

international cash management international currency

keuangan bisnis internasional manajemen kas internasional mata uang internasional

international diversification

diversifikasi internasional

International Monetary Fund international money

Dana Moneter Internasional

international mutual fund

reksadana internasional

interpretation of financial accounting

interpretasi standar perakunan

akuisisi internasional; pengambilalihan internasional

uang internasional

keuangan

standard

50

interrelationship^investment manager interrelationship interstate banking

keterkaitan

perbankan antarnegara tunggakan bunga rekening antara dalam perusahaan pembayaran dividen dalam perusahaan arus dana dalam perusahaan pinjaman dalam perusahaan

interst-in-arrears

intra system account intracorporate intracorporate dividend payment

intracorporate fund flows intracorporate loan intra-day limit intra-day position intra-day trader intragroup transaction

batas adalam hari

posisi dalam hari perdagangan harian transaksi intrakelompok

intrinsic value

nilai intrinsik

intuitive forecasting inventory inventory financing inventory management inventory utilization ratio (inventory turnover ratio) inventory valuation

prakiraan intuitif sediaan

pembiayaan inventaris manajemen sediaan nisbah putaran sediaan penilaian sediaan

inverted scale

skala terbalik

inverted yield curve investing activityivitas

investasi

kurva penghasilan terbalik

investment

investasi

investment advisory service investment analysis

jasa nasihat investasi analisis investasi

investment bank

bank investasi

investment base

dasar investasi

investment broker

pialang investasi

investment center

pusat investasi

investment company

perusahaan efek; reksa dana

investment contracts

kontrak investasi

investment council

dewan investasi

investment credit

kredit investasi

investment dealer

investment development company

pedagang perantara investasi perusahaan pengembangan

investment Hurdle rate

tarif investasi Hurdle

investment management investment manager

manajemen investasi manajer investasi

investasi

51

investment opportunity scheduleVissuing bank investment opportunity schedule investment portofolio

daftar peluang investasi portofolio investasi

investment risk

risiko investasi

investment simulation

simulasi investasi

investment stock

saham investasi

investment strategy

strategi investasi kredit pajak investasi lembaga reksadana; lembaga

investment tax credit investment trust

amanah investasi investor

sarana investasi; piranti investasi investor; pemodal

inward and outward remittance

kiriman masuk dan keluar

investment vehicle

inward bill

wesel masuk

irredeemable bond

obligasi tak perlu tebus

irrevocable credit

kredit tak tertarik kembali

irrevocable personal trust

trust perorangan tak boleh batal; trus perorangan tak boleh batal

irrevocble Letter of Credit

surat kredit nirbatal

islamic bank

bank Islam

issue

issue price

penerbitan tanggal penerbitan; tanggal emisi harga penerbitan; harga emisi

issued share

saham diemisi

issuer

penerbit efek bank pembuka

issue date

issuing bank

52

job order cost system jobber joint account joint bank joint bond joint fasiiities planning joint stock company joint venture

sistem biaya pesanan pialang rekening bersama bank gabungan obligasi patungan; obligasi bersama perencanaan fasilitas patungan perusahaan saham bersama usaha patungan metode biaya patungan dan produk sampingan

joint-and by-product costing

jointly and severally guaranteed junior security

jaminan bersama dan perorangan

jointly controlled asset jointly controlled entities jointly controlled operation judgemental credit decision junior issue junior security junk bonds

pengendalian bersama aset pengendalian bersama entitas pengendalian bersama operasi putusan kredit tansistem

emisi junior sekuritas junior obligasi niragun

53

K keough plan key account reporting key currency key problem area

wilayah masalah pokok wilayah

key register

daftar pemegang kunci (m)

kicker

pemanis; pemikat upaya pengelabuhan tarif bunga antar bank KL

rencana Keough pelaporan akun kunci mata uang rujukan masalah kunci

kiting operation

KL interbank offer rate (KLIBOR) Kuala Lumpur Stock Exchange

Bursa Efek Kuala Lumpur

(KLSE)

54

lagging indicator

indikator mubazir

laissez faire

Laissez faire

land contracts

kontrak tanah

lands grant bonds lapse schedule

obligasi jaminan hipotek skedul kedaluwarsa; jadwal

lapsed option large line

opsi kedaluwarsa

last trade launch date

perdagangan terakhir tanggal peluncuran

lead bank

bank utama

lead guarantor lead manager

penanggung utama manajer utama masa tenggang

kedaluawarsa kemudahan besar

lead time

lease capitalization lease financing lease paper lease-buy decision

penjamin utama emisi efek indikator pembuka kurva belajar sewa-guna-usaha kapitalisasi sewa-guna-usaha pembiayaan sewa-guna-usaha dokumen sewa guna usaha putusan sewa-guna-usaha atau beli

leasehold

hak sewa

lead underwriter

leading indicator learning curve lease

leasehold improvements

penyempurnaan hak sewa

leasehold land

hak sewa tanah

leasing leasing company legal lending limit legal tender

penyewagunausahaan perusahaan sewa guna usaha batas resmi peminjaman uang resmi; alat pembayaran sah pemberi pinjaman pemberi pinjaman terakhir; pemberi pinjam pemungkas pemberian pinjaman; peminjaman

lender

lender of last resource

lending 55

lending at a premiumttlimit lending at a premium lending at a rate lending function lending guideline lending limit lending margin lending rate

pinjaman berpremi pinjaman berbunga fungsi peminjaman panduan peminjaman batas peminjaman margin peminjaman tarif bunga pinjaman; tingkat bunga pinjaman sekuritas pinjaman

lending security

penerima sewa guna usaha pemilik sewa guna usaha

lessee lessor

lessor claims

klaim pemberi sewa guna usaha

Letter of Credit

surat kredit; wesel

letter of delegation letter of guarantee letter of hypotecation letter of indempnity

surat kuasa

surat jaminan pemasangan hipotek efektif surat tanggung rugi surat minat; pernyataan kehendak

letter of intent letter of lien

surat klaim kreditor

letter of pledge letter of undertaking

surat gadai

lettero of offer

surat penawaran utang

surat kesediaan

leverage leverage factor leverage leasing leveraged buyout

faktor utang keumpilan sewa guna usaha pengambilalihan dengan utang; beli utang

leveraged stock liability management

saham utangan perusahaan debitur pengelolaan kewajiban; manajemen

licensed bank

bank berlisensi

licensed finance company licensed manufacturing warehouse licensed money changer

lembaga keuangan berlisensi gudang pabrik berlisensi pedagang valas berlisensi

levered firm

utang

lien

klaim

life cycle

daur hidup perusahaan asuransi jiwa masa penyerahan

life insurance company life of delivery liguidating value

nilai likuid asian

limit

batas

56

limit atAloan certificate limit at

batas pada

limit down

batas bawah

limit order

amanat terbatas

limit price limit up limited liability company

batas harga

limited life franchises

waralaba berbatas waktu

line of credit

fasilitas kredit; jenis kredit interpolasi linear pendanaan berantai ukuran lipper

linear interpolation link financing lipper gauge liquidating dividend liquidating value liquidation liquidity credit liquidity diversification liquidity period liquidity preference theory liquidity preference theory of the retur liquidity ratio liquidity requirement

batas atas

perseroan terbatas

dividen likuidasi nilai likuidasi likuidasi

kredit likuiditas

penganekaragaman likuiditas masa penunaian teori preferensi likuiditas teori likuiditas utama hasil nisbah likuiditas

permintaan likuiditas; syarat likuiditas

listed

tercatat bursa

listed bond

obligasi tercatat bursa opsi tercatat

listed option listed security

sekuritas tercatat bursa

listed stock

saham tercatat bursa

listing listing requirement lithograph signature litigation review living trust

pencatatan

syarat pencatatan bursa tanda tangan cetakan telaah litigasi; telaah tuntutan trust hidup; trus hidup; trust jalan; trus jalan

load

beban

load fund

dana pinjaman

load mutual fund

dana beban bersama

loan

pinjaman

loan adminstration

administrasi kredit

loan aplication

permohonan kredit pialang pinjaman sertifikat pinjaman

loan broker loan certificate

57

loan crowd^long-term liability kelompok peminjam nisbah kredit deposito pencairan pinjaman *

loan crowd

loan deposit ratio loan disbursment

loan documentation

dokumentasi kredit

loan officer

loan scedule

juru kredit saldo pinjaman; baki pinjaman peminjam manajemen portofolio kredit pelunasan kredit jadual kredit

loan scheme

skema kredit

loan outstanding loan participant loan portofolio management loan recovery

loan security

agunan

loan shark

lintah darat

loan stock

locked market

saham pinjaman penyeliaan kredit nilai pinjaman dana pinjam; dana terpinjamkan pinjaman tanpa bunga penghindaran pasaran mati

London inter-bank mean rate

tarif rata-rata antarbank London

London inter-bank offer rate

tarif bunga antarbank London Tingkat bunga antarbank London (LIBOR) obligasi jangka panjang posisi pemilikan hak bebas berjangka panjang pinjaman jangka panjang

loan supervision loan value

loanable fund loaned flat

locked in

London interbank offering rate long bond long position long term long term borrowing

long term credit long term debt long term financing long term loan long term trading long-range planning long-term borrowing long-term creditor long-term debt long-term financing

kredit jangka panjang utang jangka panjang pembiayaan jangka panjang pinjaman jangka panjang perdagangan jangka panjang perencanaan jangka panjang pinjaman jangka panjang kreditor jangka panjang

utang jangka panjang pembiayaan jangka panjang; pendanaan jangka panjang dana jangka panjan'g kewajiban jangka panjang

long-term fund long-term liability 58

loss account^lump sum 'loss account

rekening rugi; akun rugi

lot

lot

low

terehdah

lump sum

lum sum

59

M mail transfer maintance cost

maintenance call maintenance excess

maintenance requirement majoreren majority shareholder make the market

make-or-buy decision managed account managed currency managed floating rate management accounting

management by Objectives (MBO) management company

management control management fee

transfer pos beban pemeliharaan panggilan perawatan lebihan perawatan syarat pemeliharaan pesanan lebih pemegang saham mayoritas membentuk pasar putusan buat-beli akun terurus valuta terkendali

kurs kambang terkendali akuntansi manajemen; perakunan manajemen manajemen bersasaran (MB); manajemen asas tujuan perusahaan pengelola; perusahaan pelaksana kendali manajemen biaya pengurusan

management Information System (MIS) sistem informasi manajemen (SIM) management motivation managing underwriter mandatory manipulation manufacturer financing manufacturing overhead margin margin account margin agreement margin buying margin call margin coverage

motivasi manajemen

penjamin pelaksana emisi bermandat; wajib manipulasi pembiayaan pabrik

overhead produksi; overhead pabrik margin akun margin perjanjian margin pembelian margin beli margin penutupan margin (m) 60

margin of deposit#market risk margin of deposit margin of financing margin requirement margin risk margin security margin trading marginal analysis marginal contribution marginal cost

marginal cost of capital marginal credit risk marginal deposit

margin deposito (m)

margin pembiayaan (m) permintaan margin; batas yang diperlukan risiko margin sekuritas margin

laba niaga; margin dagang analisis marginal kontribusi marginal

kurva biaya marginal biaya modal marginal risiko kredit marginal

marginal revenue

deposito marginal efisiensi marginal modal pendapatan marginal

margin-securities business

bisnis sekuritas margin

mark down

bawah harga nilai menurut pasar batas harga

marginal efficiency of capital

mark to the market

mark up market

pasar

market analysis

analisis pasar arbitrase pasar rerata pasar

market arbitrage market average

market capitalization market crash

kapitalisasi pasar pasar runtuh

market day market development cost

hah bursa

market discretion order

amanat sebaik mungkin keefisienan pasar

market efficiency

biaya pengembangan pasar

market expectation of term structure

harapan pasar struktur waktu

market fund

dana pasar

market hours

jam bursa

market index

indeks pasar berita pasar

market letter

penggerak pasar pasar matang

market maker

market maturation market order

amanat pasar lokasi pasar

market place

portofolio pasar

market portfolio market price

harga pasar risiko pasar

market risk 61

market segmentation theory^mercantile agent market segmentation theory

teori segmentasi pasar; teori pe-

market segmentation theory of the

teori segmentasi pasar struktur

mangsaan pasar term structure waktu market stabilization

market timing

stabilisasi pasar ketetapan pasar

market tone

suasana pasar

market value

nilai pasar

market value weighted index marketability marketable parcel marketable security marketing structure markov chain apprpache

indeks harga saham tertimbang keterpasaran harga pasar bebas sekuritas terdagangkan struktur pasar ancangan rantai Markov undi beli

matched and lose

matched book

buku pencocokan

matched order

amanat rekaan

matching orders

amanat rangkap biaya perolehan bahan; kos bahan

material cost

materiality matrix trading

materialitas

perdagangan matriks saham jatuh tempo jatuh tempo tanggal jatuh tempo anjak-piutang jatuh tempo senjang jatuh tempo ketaksepadanan jatuh tempo profil kematangan (m) laporan jatuh tempo jadual jatuh tempo nilai jatuh tempo

mature stock

maturity maturity date maturity factoring maturity gap maturity mismatch maturity profil maturity report maturity schedule maturity value maximum credit

pagu kredit

medium credit term

medium-term financing

kredit jangka menengah obligasi jangka menengah pendanaan jangka menengah

member

anggota

medium term bond

member firm

perusahaan anggota

member short sale ratio

nisbah jual kosong anggota

memorandum of deposit

memorandum deposito memorandum subsewa guna usaha agen dagangi

memorandum of sublease

mercantile agent 62

merchandise inventory#money market placement

merchant bank merchant's rule

sediaan dagangan bank dagang aturan dagang

merger

penggabungan usaha

merger analysis model merger transfer certificate

model analisis merger dokumen serah terima merger

merchandise inventory

miller-Orr model

model Miller-Orr

minimum cash balance minimum dividend stock

saldo kas minimum saham dividen minimum

minimum liquidity requirement

persyaratan likuiditas minimum

minimum maintenance

perawatan minimum

minimum reserve liquidity

likuiditas wajib minimum

minimum variance

varian minimum

minimum variance set

set varian minimum

minority interest minus symbol missing the market

simbol minus

missmatch

ketidak sesuaian pendanaan rekening campuran

mixed account

kepemilikan minoritas kehilangan pasar

Modigliani-Miller approach

mata uang logam dan kertas cara angsuran; modus angsuran ancangan Modigliani-Miller

monetary asset

aset moneter

mixed currency mode of repayment

monetary authority

otoritas monejer

monetary measure

langkah moneter (m)

monetary policy

kebijakan moneter cadangan moneter

monetary reserve monetary stability

stabilitas moneter

monetary standard

standar moneter

monetary system

sistem moneter

monetization

pemoneteran

money

uang

money at call money broker money changer money laundrying money lender money market money market fund money market instrumen money market placement

cuci uang

pialang uang

pedagang valuta asing pencucian uang

pemberi pinjaman pasar uang

dana pasar uang instrumen pasar uang penawaran pasar uang 63

money market securitiesAmutual company money market securities money order money spread

sekuritas pasar uang

Monte Carlo simulation

simulasi Monte Carlo

monthly billing

penagihan bulanan angsuran bulanan

perintah bayar penyebaran uang

monthly installment monthly rest

sisa bulanan

moody's investment grade

tingkat investasi-Moody jasa pemodal Moody

moody's investors service moral obligation bond

obligasi moral hipotek sertifikat sekuritas t)erjaminan hipotek

morgage

mortgage backed certificate security mortgage bond mortgage foreclosure mortgage instrument mortgage loan mortgage pool mortgage property mortgage rate mortgagee mortgagor

obligasi berjamin; obligasi hipotek klaim hipotek instrumen hipotek pinjaman hipotek; kredit berjamin kelompok hipotek; pool hipotek harta terhipotek tarif hipotek penerima hipotek pemberi hipotek daftar. paling aktif

most active list

moving average multi-currency multi-currency loan

indeks harga saham aneka valuta

pinjaman aneka valuta

multi-index model

model multi-indeks

multilated cheque

cek cacat

multilated note

wesel rusak

multilated security multinational corporations multiple multiple change rate*

sekuritas beragam lebih dari satu; banyak nilai tukar berganda

Multiple Discriminant Analysis (MDA)

analisis diskriminan multi; analisis

perusahaan multinasional

diskriminan ganda pembiayaan berulang obligasi pfemerintah daerah dana obligasi pemerintah daerah surat berharga pemerintah daerah hasil obligasi pemerintah daerah

multiple financing municipal bond municipal bond fund municipal note municipal revenue bond mutual company

usaha bersama

64

mutual exclusive InvestmentAmutual saving bank mutual exclusive investment

investasi eksklusif bersama

mutual fund

dana bersama; dana bersama; reksa

mutual insurance company mutual saving bank

perusahaan asuransi bersama

dana

bank tabungan bersama

65

N naive model

model naif

naked debenture

surat hutang kosong opsi kosong posisi kosong uang sempit; uang setempat pasar sepi memperkecil lebihan bank tabungan nasional

naked option naked position narrow maney narrow market

narrowing the spread national savings bank nearest month

bulan terdekat

negative list negotiable negotiable certificate of deposit negotiable instrumen

daftar larangan ternegosiasi sertifikat deposito ternegosiasi instrumen layak tunai; instrumenen ternegosiasi pasar negosiasi penjaminan ternegosiasi

negotiated market negotiated underwriting net Cash Benefit (NOB) net Cash Outlay (NCO) net cash terms

net change net debtor position net head office fund net identiviable asset

maslahat kas neto

pengeluaran kas neto syarat tunai neto perubahan neto harian posisi debitur neto modal sendiri cabang bank asing aset neto teridentifikasi

net income

laba bersih

net Income After Taxes (NIAT) net income approach net investment of foreign entities net liquidation value net open position

laba setelah pajak; laba pascapajak ancangan laba bersih investasi neto dalam entitas asing nilai likuidasi neto

posisi neto valuta asing ancangan laba usaha posisi menguntungkan; posisi neto

net operating income approach net position net present value net proceed

nilai kini bersih hasil bersih emisi

66

net Working Capital (NWC)*non-negotiabie note net Working Capital(NWC)

modal kerja neto

net worth

milik bersih; ekuitas

net yield netting system

hasil bersih

new business formation

sistem jaringan pendirian bisnis baru

new issue

emisi baru

new share

saham baru

New Strait Time (NST) Industrial Index Indeks Industri New Street Time Bursa Efek New York New York Stock Exchange (NYSE) masuk berikut keluar pertama next-in; first-out (NIFO) brankas malam; simpanan malam night safe pasar pasti no brainer nirpari no par value saham nirpari no par value stock no-load fund

dana nirbeban

nominal capital

modal nominal

nominal interest

bunga nominal tingkat bunga nominal

nominal interest rate

nominal yield

hasil nominal

non assessable stock

saham nirtanggungan lelang tak bersaing penawaran tak bersaing obligasi penghasilan takkumulatif saham prioritas takkumulatif tabungan nirbunga sekuritas tak didagangkan; sekuritas

non competitive auction non competitive bid non cumulative income bond

non cumulative preferred stock non interest bearing saving non marketable security

.

non recourse loan

tertutup perusahaan bukan anggota kredit tanpa jaminan

nonbank financial institution

lembaga keuangan bukan bank

non member firm

noncallable

nirtunai

non-cash paid in capital

inbreng saham

non-cash transaction

transaksi nonkas

noncredit service

nonfull payout lease nonguaranted municipal bond non-guaranteed loan non-interest bearing note non-monetary institution

jasa bukan kredit sewa guna tak bayar penuh obligasi peme.rintah nirjamin kredit niragun wesel nirbunga bukan lembaga keuangan; lembaga

non-negotiable note

wesel tak tertunaikan

nonkeuangan

67

non-notification basisAnumerical approximation techniques non-notification basis

asas nirberita

nonnotification financing

pendanaan nirmaklumat; pendanaan

non-performing loan nonpublic information nonqualifying annuity nonqualifying asset nonqualifying stock option

kredit tak produktif

nirwara inform asi terbatas

anuitas tak layak aset tak terkualifikasi

non-taxable reorganization non-trade credit facility nonvoting stock

opsi saham tak layak asas nirlindung reorganisasi nirpajak fasilitas kredit nondagang saham tanpa hak suara; saham nir

norm a; yield curve

kurva hasil normal

normal distribution

distribusi normal

nonrecourse basis

suara

normal trading

perdagangan biasa

normal volume

volume normal

normalized earnings nostro account

laba terpulihkan rekeing nostro

nostro overdraft

cerukan nostro

not negotiable crossing

silangan taktertunaikan pemegang wesel

note holder

note issuance facility notes payable

fasilitas terbitan wesel

wesel bayar berita penolakan anjak-piutang maklumat

notice of dishonour

notification factoring novation

novasi

numerical approximation techniques

teknik pengiraan numeris

68

obligasi index

obligasi indikasi obligasi hipotek obligor keusangan lot ganjil; lot kecil pedagang lot ganjil penurunan lot ganjil teori lot ganjil

obligatie hypotheek (Bid) obligor obsolescence odd lot

odd lot dealer odd lot differential

odd lot theory off floor order

bursa amanat luar

off-balance sheet

nirneraca; akun administratif

off-balance sheet financing

pendanaan nirneraca/pembiayaan nirneraca; pendanaan akun adm inistratif/pem biayaan

off-board

lepas pembiayaan tak tercatat

nirneraca

off-book financing offensive acquisition

akuisisi ofensif

offered rate

harga penawaran tingkat bunga tawaran

offering offering date offering price

tanggal penawaran umum harga tawaran

offer

penawaran umum

official rate

nilai tukar resmi

offset

kompensasi bank luar negeri pinjaman luar negeri jumlah baki

off-shore bank off-shore loan on balance value

jumlah berimbang dalam konsinyasi

on balance volume

on consignement on floor order

amanat di lantai bursa

on margin

secara margin luar pasar saling batal

on the sidelines one cancels the other

69

one day settlement^option credit spread one day settlement one-period risk analysis

penyelesaian sehari analisis risiko periode tunggal;

online approach open account open cheque open credit open end fund open end mortgage bond open interest open market operation open market rate open mortgage open order open position

ancangan dampak serempak rekening nirjaminan

analisis risiko ekamasa

open repo

open system approach open-book account open-end mortgage opening

opening a crossing opening an a^dunt opening bank open-market purchase program operating acquisition operating activityivitas operating budget operating cycle operating expenses operating lease operating leverage operating margin operating method operating option operating profit opportunity cost optimal capital structure option option agreement option credit spread

cek terbuka

kredit terbuka dana terbuka

obligasi hipotek terbuka kepentingan terbuka pasar bebas; pasar terbuka kadar pasar terbuka hipotek terbuka pesanan terbuka posisi terbuka repo terbuka ancangan sistem terbuka akun buku terbuka

hipotek pembukaan pembatalan palangan membuka rekening bank pembuka

program pembelian pasar terbuka akuisisi operasional operasi anggaran operasi daur pengawasan beban usaha

sewa guna pengendalian; sewa-guna-usaha operasi pengumpilan operasi laba usaha

metode operasi opsi operasional laba usaha

biaya peluang struktur modal optimal opsi perjanjian opsi

spread kredit opsi; lebihan kredit

70

option debit spread•overbudget opsi ,debit spread >n holder

spread debit opsi; lebihan debit opsi pemegang opsi hipotek opsi ppsi dana amanat premi opsi model harga opsi

Aon mortgage

ption mutual fund option premium option pricing model option series option spread option writer optional dividend optional payment bond option-pricing theory

serial opsi

spread opsi; lebihan opsi penulis opsi dividen boleh pilih

pembayaran obligasi boleh pilih teori harga opsi

or better

atau lebih baik

order cheque

cek order

order cost

biaya pesan . bunga lazrni

ordinary interest ordinary terms oreder bill of lading organization structure original bill original bill of lading original issue discount out clearing

syarat lazim surat muatan order

struktur organisasi wesel asli

surat muatan asli; kenosemen asli diskonto emisi obligasi kliring keluar

out of favour

tak dimjnati

out of line

di luar garis opsi nirtunai opsi rugi

out of money option out of the money outport cheque

cek luar

pembelian cek luar (b) hasil per jam orang baki tak jelas (b) baki tak jelas portofolio beredar

outport cheque purchase output per man-hour outstanding outstanding balance outstanding portofolio outstanding stock

saham beredar wesel keluar

outward bill

inkaso keluar

outward collection outward remittance

kiriman kelua

over bought

beli lebih

over issue

emisi berle

over the counter market

pasar di I

overbudget

melebih'

71

\

over-capacity9ownership over-capacity

kapasitas berlebih

overdraft

cerukan

overdraft facility overdraft system

fasilitas cerukan sistem cerukan

overdue bill

wesel lewat waktu

overduelnstallm ent

angsuran lewat waktu

overhang

tak menentu

overhead allocations

alokasi overhead

overhead budgets

anggaran overhead

overhead rate

tarif overhead

overhead volume variance

varian volume overhead

overbold

jual berlebih utang tumpang tindih pagu semalam pinjaman semalam uang semalaman posisi semalaman

overlapping debt overnight limit overnight loan overnight money overnight position overnight rate overseas account oversold

oversold position

tingkat bunga semalam rekening luar negeri; akun luar negeri jual lebih; jual habis posisi jual berlebih

overstated asset value oversubscribed

nilai aset berlebih

over-the-counter market

bursa paralel niaga berlebih

overtrading

pesanan berlebih

overvalued

nilai berlebih nilai berlebih

overwriting

penerbitan berlebih

overvaluation

owner

ownership

pemilik kepemilikan

72

paid cheque paid in advance paid-in premium paid-in surplus pale! rate of exchange

cek lunas; cek tunai

bayar di muka; bayar di muka agio agio tarif tak resmi; tarif paralel

paper currency

mata uang kertas; instrumen kertas

paper profit paperless clearing paperless cliring par bond par value parallel loans parallel rate or exchange

laba kertas

parent company pari pasu parity parity changes

kliring nirkertas kliring nirkertas obligasi pari nilai pari; nilai nominal pinjaman paralel tarif tak resmi; tarif paralel induk perusahaan sama-sama; paro

paritas perubahan paritas harga keseimbangan

parity price part paid stock part payment

saham belum lunas

partial acceptance

aseptasi sebahagian

partial acquisition partial delivery partial endorsement partial listing

serah sebagian endosemen sebagian

partial release *>articipating bond iicipating budgeting ipating loan \ating policy mg preference share \ preferred stock \

pembayaran sebagian akuisisi tak penuh; akuisisi separa

pecatatan sebagian di bursa; pencatatan parsial pengeluaran sebagian obligasi partisipasi anggaran partisipasi pinjaman penyertaan polis berlaba saham luar biasa partisipasi

saham preferen partisipasi; saham prioritas partisipasi

\ 73

\

parties to bill of lading^payment guarantee parties to bill of lading partipation loan partly paid shares partnership pass through security passbook passed dividend passive bond passive fund passive stock past due past due account patent office pawn pawnes pawnor

pawnshop pay day pay out ratio pay through bond payable date payable-through draft pay-as-you-ern

pay-back period payback period method paydown payee

payer

pay-in slip paying agen paying agent agreement paying bank pay-in-slip payment by bill payment date payment for honour payment guarantee

pihak-pihak wesel pinjaman penyertaan saham belum lunas

persekutuan; permitraan sekuritas lewat

buku tabungan dividen semu

obligasi beku dana pasif saham pasif lewat tempo; lewat (jatuh) tempo rekening lewat waktu; akun lewat tempo kantor paten jaminan penerima jaminan penjamin rumah gadai; pegadaian batas hari penyelesaian nisbah pembayaran dividen obligasi alat bayar tanggal pembayaran wesel bayar bayar saat terima; bayar bila terima periode pengembalian; jangka pulihan metode periode pulihan bayar turun; pay-down penerima bayaran pem bayar slip penyetoran agen bayar perjanjian agen bayar bank bayar slip penyetoran pembayaran uang wesel; pem bayaran dengan wesel tanggal bayar pembayaran memenuhi syarat; pem bayaran penuhi syarat jaminan bayar 74

payment in due courseVperformance share payment in due course payment of bill payment order payment pattern payment status payment stopped payment system payment under advice pay-out ratio payroll credit payroll system pay^up peg

pegging penalty penalty clause penalty interest pending action penetration

pembayaran jatuh tempo

pembayaran wesel; pembayaran bil amanat bayar pola bayar status bayar instruksi larang bayar; henti bayar sistem bayar bayar atas perintah nisbah bayar daftar transfer gaji sistem gaji bayar naik penetapan nilai tukar peging; penetapan denda

pasal denda bunga denda penundaan tuntutan penetrasi; penembusan

pennant

penan

penny stock pension fund pension fund investment pension fund performance

saham peni dana pensiun investasi dana pensiun

pengukuran kinerja dana pensiun

measurement

paket pensiun; rancangan pensiun

pension plan peny bank percentage of completion percentage order percentage order perfect capital market performance bond

jaminan pelaksanaan; obligasi

performance bound performance evaluation performance fund performance fund ; performance guarantee performance measurement performance scoring model performance share

penjamin jaminan pelaksanaan evaluasi kinerja dana kinerja dana pealaksanaan jaminan prestasi pengukuran kinerja model penilaian kinerja saham kinerja

bank gurem persentase selesai pesanan persentase amanat persentase

pasar modal sempurna

75

performance stockttplant and equipment performance stock periodic frequency rule

saham kinerja

periodic operating report periodic payment plan periodical permanen working capital permanent difference permanent working capital credit permissable limit perpetual annuity perpetual bond perpetual debenture perpetual existence perpetual notes perpetual warrant perpetuity personal bankruptcy personal cheque personal credit personal credit agreement personal financial planning personal guarantee ) personal identification number (PIN) personal loan personal security personal tax petty cash phantom stock plan physical commodity physical-unit method for joint products piecemeal financing pimary liquid asset pink form pink sheets place plaint plaintiff planning horizon plant and equipment

hukum frekuensi periodik laporan operasional berkala rencana pembayaran berkala periodik; berulang; berkala modal kerja permanen beda tetap

kredit modal kerja permanen (KMKP) batas diizinkan anuitas abadi

obligasi abadi; obligasi perpetual obligasi abadi eksistensi abadi

bukti utang langsung waran perpetual kekekalan

kepailitan pribadi cek pribadi kredit perseorangan; kredit pribadi akad kredit perseorangan perencanaan keuangan perorangan

jaminan pribadi; garansi perorangan nomor jati diri pinjaman perorangan garansi pihak ketiga; aval

pajak perseorangan; pajak individu kas kecil

rancangan saham phanthom komoditas berwujud metode unit fisik produk gabungan pembiayaan tak penuh/pendanaan tak penuh harta paling lancar formulir merah jambu lembaran inform asi OTC memasarkan sekuritas keluhan tertulis

penuntut

horison perencanaan pabrik dan sarana

76

pledgeApost shipment credit pledge pledge agreement pledgee pledging pledger

gadai; jaminan perjanjian gadai penerima gadai penggadaian penggadai

PLUS

PLUS

plus symbol plus tick plus value point and figure chart policy of insurance political and economic risk analysis political factors political risk ponzi scheme pooled fund pooling interest pooling of ipterest portfolio portfolio manager portfolio opportunity set portfolio risk portfolio theory portfolio weight portofolio beta score portofolio management portofolio return portofolio theory position position limit position sheet position trader positive carry positive yield curve possesory title possessory title Lien post dated cheque post dated office monet order post office, money order post office savings banks post shipment credit

tanda (+) tanda periksa (+) apresiasi harga bagan cetak dan gam bar polis asuransi analisis risiko politis dan ekonomis faktor politis risiko politis skema ponzi dana bersama

penyatuan kepemilikan penyatuan kepemilikan portofolio manajer portofolio paket peluang portofolio risiko portofolio teori portofolio bobot portofolio skor beta portofolio manajemen portofolio hasil portofolio teori portofolio tempatan batas tempatan tabel hari tunai

pedagang penempat suasana positif kurva hasil positif hak milik sah hak milik sah cek tunda

wesel pos wesel pos bank tabungan pos kredit purna kirim 77

postal glro^preferrence bond postal giro postal order postcompletion capital project

giro pos kiriman perpos evaluasi biaya proyek pascaselesai

evaluation

post-dated cheque posting post-petition interest post-shipment

cek kedaluwarsa

pencatatan

bunga pasca-petisi purnakirim

pot pot is clean

pot habis

power of attorney power of mortgage pragmatic model pre authorised payment pre authorized cheque pre drawdown pre finance bill pre finance credit pre shipment pre shipment credit preauthorized cheque

surat kuasa

pre-authorized payment precautionary motive

pem bayaran praizin

precept prediction service

surat perintah bayar resmi jasa peramalan praguna (m)

kuasa penerima hipotek model pragmatik bayaran prawenang cek prawenang praguna

wesel talangan kredit prapembiayaan prakirim kredit prakirim cek kebenaran terdahulu (m); cek otorisasi terbuka motif alasan

pre-drawdown pre-emption pre-emptive bid preemptive right

hak beli kembali

tawaran gertak hak terdahulu; hak preemptif; hak mendahulu

preferential creditor

hak tagih mendahulu; kreditur preferensial pinjaman prioritas pinjaman preferensial urutan bayar tarif prioritas

preferential lending preferential Loan preferential payment preferential rate preferred creditor preferred share preferred stock preferrence bond

kreditur utama saham istimewa

saham prioritas obligasi preferen; obligasi prioritas 78

pre-finance billAprimary Liquid asset pre-finance bill pre-finance credit premature upliftment

wesel talangan

premises premium premium bond premium income

tanah dan bangunan premi

kredit prakirim penarikan balik prematur

premium over conversion value

obligasi berpremi pendapatan premi pr^mi atas nilai tukar

premium raid

ancaman premi; serangan premi

prepayment

uang muka pesanan prajual dokumen penawaran tampil ulang pengajuan pembayaran

presale order present

present again present for payment present value present value paths of investment presentment for acceptance presentment for paymen pre-shipment pre-shipment credit presold issue presumption evidence

presumption of value pretax rate of return price earning ratio price earning ratio theory (PERT) price gap price limit price priority price range price spread price support price weighted index

price-earning ratio (P/E) price-to-book ratio pricing decision prima pacie primary bank primary bank reserve primary dealaer primary Liquid asset

nilai kini

batas nilai kini investasi

pengajuan untuk dibayar pengajuan untuk pembayaran prakirim kredit prakirim emisi prajual anggapan ada bukti praduga nilai setara

tingkat laba sebelum pajak nisbah harga perolehan teori nisbah hasil harga senjang harga batas harga prioritas harga

julat harga; rentang harga lebihan harga subsidi harga indeks bobot harga . nisbah harga-hasil nisbah harga nilai buku keputusan harga prima fasi bank primer

cadangan primer bank dealer utama

aset paling Lancar 79

primary liquidityttproduct profit report primary liquidity

likuiditas primer pasar perdana; pasar primer dinamika pasar perdana masa perdana risiko tinggi

primary market

primary movement primary period primary risk prime bank prime bank bill prime credit prime paper prime plus prime rate

bank utama wesel bank utama

kredit kompensasi; kredit utama efek unggul tambahan utama

tarif (bunga) utama; suku (bunga) utama

primer dividend principal principal amount

dividen pokok

utang pokok; pemberi amanat; pokok jumlah pokok; nilai nominal

principal dealer principal repayment principal stock holder principal sum ^ prior charges

dealer utama

angsuran pokok pemegang saham utama jumlah pokok klaim utama

prior lien bond prior period items prior preferred stock private bank

obligasi lien terdahulu unsur masa lalu

saham istimewa terdahulu bank swasta

private company private national bank private offering private placement

perusahaan swasta bank swasta nasional emisi terbatas

penyertaan tertutup; penempatan terbatas

private purpose order

obligasi tujuan pribadi laporan keuangan proforma laporan laba-rugi proforma

pro forma financial statements pro forma income statements pro rata

probable recovery probate

pro rata

problem laan process cost system processing fee product irfe cycle

kemungkinan pemulihan surat wasiat; probata .pinjaman bermasalah sistem biaya proses jasa pemrosesan daur hidup produk

product profit report

laporan laba per produk

80

production budgetttproprietor's take anggaran produksi kredit produksi produktivitas lini produk investasi produk lini bunga harian kematangan produk

production budget production loan productivity product-line

product-line investment products products maturity professional consideration

pertimbangan profesional; imbalan profesional

profit profit and loss statements profit center profit margin profit performance profit planning profit share profit sharing bond profit sharing note profit sharing plan profit taking profitability profitability index profit-sharing plans pro-forma invoice program trading

laba

laporan laba-rugi pusat laba margin laba kinerja laba perencanaan laba saham jasa; saham laba obligasi bagi hasil bukti keuntungan rencan^bagi hasil rebut laba; ambil untung daya laba indeks daya laba paket bagi hasil faktur pro-forma perdagangan efek terprogram pembayaran bertahap bantuan projek pembiayaan proyek pinjaman proyek manajemen proyek prolonggasi promes; surat utang; surat sanggup bayar

progress payment

project aid project finance project Loan project management prolongation promisory notes

promoter jangka kredit surat klaim jaminan properti obligasi kekayaan konsolidasi proporsional milik perorangan

promoter prompt proof of debts property

property bond proporsitionate consolidation proprietary proprietor's take

hak milik kreditur

81

proprietorship#purchasing power risk proprietorship proprietorship register proprietory prospective prospectus

protection of depositors protective protective covenant protective puts protective trust provable debts

provincial clearing house provision

provision for bad and duobtfull debt provision for loan losses provission proxy

proxy solicitor proxy statement proxy voting prudence constraint

prudent banking practice prudent lending prudential ratio public issue public offering public ownership public purpose bond public trust

public utilities' cost of capital public works loan board publicly held company puisne mortagage

purchase method purchase money bond purchasing fund. purchasing power purchasing power parity purchasing power risk

kepemilikan perorangan sertifikat tanah hak milik

prospektif prospektus perlindungan nasabah jaminan pelindung perjanjian pelindungan; syarat perlindungan jual terjamin dana perlindungan

pembuktian wajib atas kredit lembaga kliring provinsi penyisihan; provisi cadangan penghapusan provisi kerugian pinjaman provisi surat kuasa; proksi; kuasa kuasa mewakili surat kuasa

pengambilan suara proksi batasan kehati-hatian

praktek perbankan hati-hati pinjaman hati-hati nisbah pokok

emisi umum; penawaran publik penawaran umum

kepemilikan publik obligasi tujuan publik wali publik biaya modal sarana umum dewan kredit usaha publik terbuka; di muka umum; depan publik hipotek puisne metode pembelian obligasi beragun

cadangan dana pembelian daya beli paritas daya beli risiko daya beli 82

pure split^pyramid scheme

pure split

split murni; pecah murni tawaran; put

put bond put option

obligasi tawaran opsi tawaran

put-call parity

paritas permintaan-penawaran

pyramid scheme

skema piramid

83

Q qualification share qualified acceptance qualified endorsement qualified title

saham kualifikasi

qualifiying agreement

penerahan agunan; surat berharga

qualifiyng directives qualifying asset qualifying coupon qualifying share qualitative guideline quality control quality of earning quality of loan quality of management quantity theory of money quarter stock quarterly installment quasi money quasi negotiable instrument quasi reorganiozation quasi-money quasi-negotiable instrument quatitative directive quick asset ratio quick assetsiva quick ratio

ptunjuk klasifikasi nasabah

akseptasi bersyarat endosemen terbatas

hak khusus atas tanah; izin khusus atas tanah

agunan aset tertentu

kupon berkualifikasi saham terkualifikasi anduan kualitatif kendali mutu

kualitas perolehan; kualitas hasil kualitas pinjaman kualitas manajemen teori kualitas uang saham seperempat angsuran triwulan uang kuasi instrumen bayar bersyarat kuasi reorganisasi uang kuasi; hampir uang instrumen bayar bersyarat pengarahan pinjaman nisbah aktiva cepat nisbah cepat nisbah cepat

quorum

kuorum

quota quotation quotation board quotation fee

kuota

penawaran; catatan harga papan harga bea catat

84

quoted investment^quotes quoted investment

investasi tercatat

quoted price

harga tercatat

quoted share

saham ditawarkan

^^otes

catatan harga

85

radar alert

radar waspada

radiation system

sistem radiasi

raider

pencaplok

rais cheque rally random walk hypotesis random walk theory rate anticipation swap

cek rais

rate base

dasar tarif

reli

hipotesis acak jalan teori jalan acak swap antisipasi nilai tukar

rate case

kasus tarif

rate of depreciation rate of exchange

tarif penyusutan kurs devisa; kurs tukar; nilai tukar

rate of return

tingkat hasil; tingkat pulangan; nilai

rate shock

kejut tarif pemeringkatan lembaga pemeringkat; lembaga pengharkatan agen pemeringkat

hasil

rating

rating agencjes rating agency

ahalisis pemeringkatan

rating analysis rating yard sticks ratio spread

tolok ukur pemeringkatan

ratio writer

nisbah pen

ratio-based projection rationing of exchange ready acceptance ready money

proyeksi nisbah penjatahan devisa reakseptasi uang siap; uang sedia

real estate investment trust

dana investasi real estate; dana trust

real income

penghasilan riil; penghasilan nyata suku bunga efektif; suku bunga

lebihan nisbah

investasi real estate

real interest rate

nyata real interest rate

tingkat bunga nyata; tingkat bunga efektif; tingkat bunga sejati 86

real Investment*redeemable bond real investment

real personal disposable income real property real property gain real rate of return

realignment

investasi sejati; investasi riil penghasilan bersih sejati harta nyata pajak penghasilan harta nyata tingkat pendapatan sebenarnya pengaitan

realizable-value method

metode nilai realisasi

realized profit (loss) realty rearranged ownership structure

laba terealisasi

rebate

recapitalization receipt receipt on cheque

harta tanah

struktur kepemilikan tertata ulang potongan; rabat rekapitalisasi tanda terima

tanda hak terima cheque; tanda hak terima cek

receivable financing receiver for debenture holders

receivership receiving bank

anjak piutang juru terima pemegang obligasi kurator; jabatan kurator bank penerima (m)

recession

resesi

reciprocal account reciprocal business reciprocal rate recognized bank recognized income

akun timbal-balik

reconciliation statement

niaga timbal abalik tarif imbal balik

bank diakui

. pendapatan diakui pernyataan sepakat; penyataan rekonsiliasi

reconveyance record date recorded bond recourse

recourse basis

recourse factoring recovery

recovery of bad debt recovery of loan recycling

pemulangan hak atas tanah tanggal catat obligasi tercatat; wesel tercatat jaminan perlindungan dasar jaminan lindungan anjak piutang terlindung mendapat kembali (m) pembayaran piutang ragu-ragu pembayaran pinjaman pemerataan

red clause

red clause

redeem

menebus

redeemable

keuntungan tiba-tiba obligasi boleh tebus

redeemable bond

87

redeemable preference share*register of number and nominee redeemable preference share redemption redemption notice redemption premium redemption price redemption value

saham preferen boleh tebus penebusan; tebusan

rediscount

potongan kembali potongan terkembali pendiskaunan kembali metode penyusutan baki

nota tebusan

premi tebusan harga tebusan nilai tebus; nilai tebusan

rediscounted

rediscounting reducing balance method of depresiation

refinancing

penyusutan wesel pengganti kembali ke penarik referensi integritas; referensi rujukan bank rujukan; bank referensi tanggal rujukan hak pakai tanah akuisisi silang tarikan wesel dengan kredit talangan kredit talangan kredit ekspor talangan pembiayaan ulang; pembiyaan

refinancing bill refinancing credit refinancing facility

wesel pembiayaan kredit kembali talangan fasilitas perpanjangan

reflation

reflasi

refundable debt

kewajiban dapat diganti pendanaan ulang; dana tarik pendanaan obligasi peremajaan putusan pendanaan kembali

reduction

re-exchange refer to drawer reference

reference bank reference date referential settlement

refers aquisition refinance bill refinance credit

refinanciable credit

kembali

refunding

refunding bonds refunding decision refunding/refinancing regional cheque processing centre regional fund register register note register of asset register of company

register of number and nominee

dana tarik

lembaga kliring regional dana wilayah pengawas modal saham nota berdaftar (m) daftar aset

tambahan berita negara daftar anggota 88

register of transferttreinvestment privilege register of transfer registered bond registered charge registered company registered coupon bond registered note registered option trader registered owner registered proprietor registered prudent societies registered representative registered security registered stock registered stockholder registered trader registered valuer registration bank registration fee registration of transfer registration procedure registration statement regress

daftar transfer

obligasi terdaftar bursa grosse pertama; sertifikat tanah perusahaan terdaftar obligasi berkupon terdaftar nota berdaftar; surat utang terdaftar pedagang efek terdaftar pemilik terdaftar pemilik terdaftar masyarakat hati-hati terdaftar wakil terdaftar sekuritas terdaftar saham terdaftar

pemegang saham terdaftar pedagang terdaftar penilai terdaftar pendaftaran bank biaya pendaftaran' dokumen pemindahan saham tata cara pendaftaran pernyataan pendaftaran penjamin; penanggung jawab

regular dividend regular way regular-way delivery settlement regular-way transaction regulation and supervision

dividen teratur cara biasa

penyelesaian biasa transaksi biasa

pengaturan dan pengawasan

regulator

pembuat peraturan

regulatory analysis regulatory approval

reimbursment credit

analisis pengaturan persetujuan regulatif unit rehabilitasi; unit pemulihan gadai ulang rancangan penggantian penggantian pembayaran penggantian kredit penggantian

reinsurance

reasuransi

rehabilitation unit

rehypothecation reimbesment arrangement reimbursement reimbursment

reinvestment

reinvestasi

reinvestment assumption reinvestment plan reinvestment privilege

asumsi investasi kembali

paket investasi kembali

hak istimewa investasi ulang 89

reinvestment ratettrepay on demand reinvestment rate

tarif reinvesatasi

reinvestment rate assumption re-issue of bill of exchange

asumsi tarif investasi kembali

re-issue of debenture

peremajaan wesel; penggantian wesel atas wesel; penerbitan wesel pengganti obligasi berbatas waktu

rejection

tolakan

related account

related company related organisation related parties

rekening terkait perusahaan terkait organisasi terkait hubungan istimewa

relevant information

informasi terkait

relocation

relokasi

remainder

waris

remainder man

rental income

pewaris hibahan penentuan ulang lebihan aksi pemulihan aksi pemulihan cadangan pemulihan potongan; diskonto; rabat peremisi pengiriman uang opsi kiriman uang bank pengirim pihak pemantau biaya pelepasan negosiasi ulang pembaharuan syarat asransi diperbarui pembaharan perpanjangan wesel; peremajaan wesel; wesel pembaharuan pelepasan sewa penghasilan sewa

rental value

insurance

remargining remedial action remedial action

remedy allowance remise remisier

remittance

remittance option remitting bank remote parties removal cost

renegotiation renew

renewable term insurance renewal renewal bill

rent relief

renunciation

renunsiasi

reorder point reorganization reorganization bond repatriasi repay on demand

titik pesan ulang reorganisasi obligasi reorganisasi pemulangan modal; repatriasi angsur atas permintaan 90

repay on demand repayment^research and development(R&D) repay on demand repayment

angsur atas permintaan pembayaran

repayment repayment programme

bayar kembali

repayment schedule

jadwal angsuran; jadwalan bayar

repayment term replacement cost replacement fund replacement investment replacement value replenishment

syarat angsur

repo

repo

repo agreement report on title

perjanjian jual beli semula (m) laporan kepemilikan mata uang pelaporan perusahaan pelapor pemulihan kembali

kembali

program angsuran kembali

biaya penggantian dana ganti investasi ganti nilai ganti penyelesaian

reporting currency reporting entity repossesor repossess

milik balik

repossession repossession notice

pemilikan kembali berita pemilikan kembali pemilikan kembali ajukan kembali (cek) perwakilan perwakilan bank agen perwakilan pembayaran kantor perwakilan perwakilan agen pembayar perjanjian beli kembali

repossessor

represent (cheque) representation representative bank representative comissioned company representative office representative paying agent repurchase agreement repurchase contract repurchase vafue required rate of return

kontrak beli beli

harga beli kembali; nilai beli kembali tingkat hasil diminta; tarif hasil tujuan penjadwalan ulang penjadwalan ulang penjadwalan angsuran utang; penjadwalan kembali utang penjadwalan ulang kredit; penjadwalan kembali pinjaman

reschedulement

rescheduling rescheduling of debt

rescheduling of loan research analyst research and development (R&D)

analis riset

penelitian dan pengembangan 91

research report^respondent bank research report reservation reserve

reserve assets

reserve assets ratio

reserve at bank central

laporan riset pencadangan cadangan

harta cadangan nisbah cadangan dan harta sirtipanan wajib pada bank sentral

reserve bank

bank sentral

reserve borrowing power

daya peminjaman cadangan valas cadangan kekurangan cadangan cadangan kerugian kredit dana cadangan bunga atas piutang ragu-ragu; bunga tak pasti cadangan uang kartal; cadangan

reserve currency

reserve defienciency reserve for possible loan loss reserve fund reserve interest

reserve money

uang

reserve money creating body reserve money creating boxies reserve power

lembaga pencipta uang primer lembaga pencipta uang primer perlindungan resmi; perlindungan notarial

reserve ratio

reserve requirement resident agent resident controlled company

nisbah cadangan cadangan wajib agen setempat domisili usaha; tempat kedudukan usaha

residential status

status kependudukan; status kewarganegaraan; status kependudukan

residual analysis

analisis residu

residual asset

aset sisa pakai aset residu; aset sisa pakai hasil residu (HR) jatuh tempo residu

residual assets

residual income (Rl) residual maturity residual security residual theory residual theory of dividend

sekuritas residu teori residu teori nilai residu dividen

residual value

nilai residu; nilai sisa

resistance level

tingkat daya tolak keputusan meminjam alokasi sumber daya bank responden

resolution to borrow resource allocation

respondent bank

92

responsibility center^retiring a bill responsibility center responsibility management

pusat tanggung jawab tanggung jawab manajemen

restatement

saji ulang

resting order

pesanan

restricted account restricted covenant

akun berbatas; akun bersyarat syarat pembatasan

restricted deposit

pembatasan bunga deposito;

restricted securities

sekuritas dagang berbatas; sekuritas

restricted stock

saham terlarang kredit penggunaan terbatas

deposito berbatas berbatas

restricted use credit

restricted-use credit agreement

kredit konsumsi terbatas

restrictive covenant

syarat pembatas; syarat larangan

restrictive endorsement

endosemen terbatas

restructure credit

restruktur kredit

restructure of loan

restrukturisasi pinjaman

restructuring restructuring corporate restructuring of investment restructuring portofolio

restrukturisasi

retail bank

retail banking retail loan

restrukturisasi perusahaan restrukturisasi investasi

restrukturisasi portofolio bank dagang bank pasar kredit perdagangan; pinjaman cadan kulak

retail repo retailing acquisition retained earnings retained profit retention financing retention money retention rate

retention requirement retention sum (money) retirement

retirement benefit retirement of bill retirement of bill under rebate

retirement plan retiring a bill

repo candak kulak perolehan eceran saldo laba saldo laba

pembiayaan tunda uang tertahan nisbah laba tertahan; tingkat penahanan permintaan retensi uang tertahan penghentian; pelepasan penundaan pembagian keuntungan penyelesaian dini wesel penunaian wesel dengan diskonto rencana penghentian penyelesaian dini wesel 93

retiring a biii under rebatettrevocabie contract retiring a bill under rebate

penunaian wesel dengan diskonto

retractable and extendable bond

obligasi surut-mulur

retribution fee

bea retribusi

retroactive adjustment retrospektive

pelarasan retroaktif retrospektif pengembalian dana

retunr of fund return

hasil; pulangan; laba

return investment

hasil investasi

return on asset

nisbah hasil aset

return on capital employed (ROCE) return on equity (ROE)

pulangan modal tertanam nisbah hasil modal; laba modal

return on invested capital

laba investasi modal

sendiri; pulangan ekuitas

return on investrpent (ROI)

pulangan investasi

return on net worth

nisbah hasil milik

returned cheque revaluastion adjustment

cek pulangan

revaluation

penilaian kembali revaluasi untung rugi revaluasi

koreksi revaluasi

revaluation gain/loss revaluation of currency revenue and expenditure accoUht revenue anticipation note

revaluasi mata uang tingkat revaluasi akun rugi laba nota antisipasi pendapatan

revenue bond

obligasi pendapatan

revaluation rate

revenue center-

pusat pendapatan

reversal

reversal; balikan

reverse repo

repo pemilikan ulang perjanjian pemilikan ulang perjanjian beli kembali berbalik

reverse repo agreement

reverse repurchase agreement reverse split

pemecahan saham balikan pengembalian sisa cek penggantian saham

reverse stock cheque reverse stock split

reverse triangular

pengambilalihan berbalik (m) segitiga balik

reversion

sewa tahunan

reverse take-over

bonus tanibahan; hak kembali

reversionary reversionary annuitas reversionary interest revisionary certificate

anultas berbalik (m) bunga kembali sertifikat revisi

revocable

boleh batal

revocable contract

kontrak boleh batal

94

revocable creditttriskless transaction revocable credit

kredit boleh batal

revocable l_/C

surat kredit boleh batal

revocable letter of credit

surat kredit boleh batal

revolding loan revolving credit revolving Letter of Credit revolving loan revolving swap revolving underwriting facility revolving undewring facility riding the yield curve right issue

pinjaman berputar kredit berputar surat kredit beredar

kredit berputar swap ulang fasilitas penjaminan berputar fasilitas pinjaman berputar kurva hasil tumpangan hak beli saham; bukti right; right issue

right of offset right offering right-on price rising bottom

hak kompensasi tawaran bukti right hak penentuan harga

risk

risiko

risk analysis

analisis risiko

batas bawah naik

risk and return

risiko dan hasil

risk arbitrage

arbitrase risiko

risk averse

hindar risiko

risk aversion

hindar risiko

risk averter

penghindar risiko penghindaran risiko

risk avoidance

risk capital risk management risk neutrality risk preference risk premium risk premium method

modal Ventura

pengelolaan risiko sikap netral risiko preferensi risiko premi risiko metode premi risiko pencari risiko; pecinta risiko modal kerja suaian risiko tingkat bunga suaian risiko ukuran kinerja terlaras risiko tingkat pulangan suaian risiko; tingkat suaian risiko hasil

risk taker

risk-adjusted risk-adjusted risk-adjusted risk-adjusted

cost of capital discount rates performance measure rate of return

risk-bearing

berisiko

risk-free

bebas risiko; nerisiko

risk-free discount rates

tingkat diskonto bebas risiko

riskless transaction

transaksi tanrisiko

95

risk-return trade-offttrunning yield risk-return trade-off

tukaran risiko hasil; pertukaran risiko

risk-sensitivity analysis

analisis sensitivitas risiko; analisis kepekaan risiko gulir turun gulir depan perpanjangan perpanjangan kredit gulir atas

hasil

roll down roll forward roll over

roll over loan

roll up rolling budget rolling horizon budget round lot

anggaran berkelanjutan anggaran horizon geser lot genap

round lot

lot utuh

royalty

royaiti

rubber index

indeks harga karet kabar angin

rumor run

panik

running account credit running margin running yield

batas kredit konsumsi bergerak laba sementara

hasil mutakhir; hasil sementara

96

safe custody safe deposit safe deposit box safety level safety stocks salary attachment sale and lease back

sales budget sales charge sales forecasting sales growth feasibility sales load sales-value method

kotak simpan bank; titipan amanat ruang simpan aman; titipan aman kotak harta pengamanan; kotak titipan aman batas aman

sediaan pengaman penahanan gaji (m) jual dan sewa balik; jual dan sewa guna; jual dan balik sewa-guna-usaha anggaran penjualan pembebanan jual prakiraan penjualan kelayakan pertumbuhan penjualan beban jual metode nilai jual

salvage value same day settlement sample check

nilai sewa; nilai residu

penyerahan hah sama pengujian percontoh obligasi samurai izin tarik lebih; sanksi

samurai bond

sanction sanctioned limit

batas izin tarik lebih

sandwich debenture

kredit subordinasi; kredit berjenjang perbankan satelit credit jaga-jaga; pinjaman siaga

satellite banking satnd by loan Saturday night special

Sabtu malam khusus

saucer

saucer

save as you earn

simpan saat terima rekening tabungan; akun tabungan asosiasi simpan pinjam bank tabungan

saving account saving and loan association saving bank saving certificate saving deposit

sertifikat deposito

deposito berjangka; deposito 97

saving Institutionttsecondary distribution saving institution saving investment^gap savings savings account savings and loan association savings bank lifeinsurance savings bonds

lembaga tabungan; institusi tabungan senjang tabungan investasi tabungan rekening tabungan asosiasi simpan pinjam bank tabungan asuransi jiwa obligasi tabungan

scale order

amanat berskala

scalp

transaksi kecil

scenarios

skenario

schedule institution

lembaga terjadwal; institusi terjadual negara terjadual penjadualan skema pengurutan luas pemeriksaan luas pengelolaan luas penelaahan strategi bumi hangus laporan biaya sampah produksi

scheduled territory scheduling scheme of arrangement scope of examination scope of management scope of review scorched earth strategy scrap cost report screening screening of account scret reserve

scrip scrip issue script script dividends scurity document search and screen process seasonal and cyclical factors

seleksi

penyaringan akun; seleksi rekening cadangan rahasia skrip (m) penerbitan skrip skrip surat dividen sementara

surat agunan

seasoned issue

penelitian dan penyaringan faktor musiman dan berulang pinjaman musiman penanggalan musiman emisi unggul; emisi bermusim

seat

kursi bursa

seasonal borrowing seasonal dating

second mortgage second preferred stock secondary bank secondary banking crisis secondary capital secondary date secondary distribution

hipotek kedua saham istimewa kedua bank kedua

krisis bank (inggris) modal sekunder

tanggal sekunder emisi kedua

98

secondary liquid assetttsecurity for loan secondary liquid asset

harta lancar kelas dua; aset lancar

secondary market secondary mortgage secondary movement secondary offering secondary security market second-class paper second-step merger

bursa paralel; pasar sekunde; bursar hepotek kedua; hipotek sekunder pergerakan sekunder tawaran kedua; penawaran sekunder bursa paralel; pasar sekunder surat berharga kelas dua merger tahap dua

sekunder

secrecy

kerahasiaan

secret reserve

secured loan

cadangan rahasia swap sektor kredit sektoral; pinjaman sektoral terjamin obligasi beragun kredit berjaminan kreditur berjaminan hipotek berjamin; obligasi berjamin utang berjamin; utang beragun kredit berjamin

securities

sekuritas

sector swap

sectoral lending secured

secured bond

secured^credit secured creditor

secured debenture secured debt

securities administration agencies securities analysist securities and Exchange Commission (SEC) securities company securities depositories securities depository securities Exchange Act

Securities and Exchange Commision (SEC); badan pengawas bursa efek perusahaan sekuritas simpanan sekuritas depositori efek undang-undang pasar modal

securities loan

kredit sekuritas

biro administrasi efek (BAE) analis sekuritas; analisis efek

securities trading security security analist security arbitrage security coverage security document security documentation

nisbah agunan kredit; nisbah agunan surat agunan; dokumen agunan dokumentasi agunan; dokumentari

security feature

jenis agunan; ciri sekuritas; ciri

security for loan

agunan kredit

perdagangan sekuritas sekuritas

analis efek; analis sekuritas arbitrase sekuritas

sekuritas

keamanan

99

security Indentificatlon card•semi-strong form efficient market security Indentificatlon card security Issue security margin security market security market line security position security position In bankcruptcy security printing security rating security received security register security transfer security underwriting security value seek a market

segmental Information segmentation segregate

segregation of duties self liquidating Loan

kartotek sekurltas emisi sekurltas

margin sekurltas pasar sekurltas fasllltas pasar sekurltas kedudukan sekurltas

poslsl sekurltas dalam kepallltan keamanan pencetakan pemerlngkatan sekurltas agunan diterlma daftar sekurltas

pindah mlllk sekurltas penjamin emIsI sekurltas nllal sekurltas; nllal taksasi agunan mencarl pasar InformasI segmen segmentasi; pemangsaan pemlsahan pemlsahan tugas kredit cair sendlrl

self-evaluation

evaluasi dirl

self-llquldating Investment program self-llquldating loan self-supporting debt

program InvestasI lunas sendlrl

kredit per transaksl hutang mandlrl sell jual sell order amanat jual sell out jual habis sell plus jual leblh sell program program jual sell stop order amanat henti jual selling agent agen penjual selling group kelompok penjual selling off jual habIs selling on the good news jual menguntungkan selling out jual habIs selling pressure tuntutan jual semi annual balance baki tengah tahunan semi annual bond equivalent(SABE) obllgasi tengah tahunan semi strong efficient market hypothesis hopotesis pasar eflslen agak kuat seml-annually tengah tahunan semi-strong form efficient market pasar eflslen setengah kuat 100

semivariable costAshare swap semivariable cost send direct senior debt

senior managemen senior refunding senior security

biaya semi variabel langsung kirim hutang senior pengurus senior pendanaan senior sekuritas senior

sensitive market

pasar sensitif

sensitivity analysis

analisis sensitivitas

sentiment

kegairahan (pasar) petunjuk sentimen persetujuan pemisahan prinsip pemisahan

sentiment indicators

separation agreement separation principle sequentially serial bond

series of option service charge service charge service contract service credit service lease

service till

servings set off

secara berurutan

obligasi berseri seri opsi pembebanan jasa pembebasan jasa kontrak jasa kredit profesi sewa guna jasa jangka layaran simpanan; tabungan hapus balik

sett off LyC

surat kredit batal

settlement date

tanggal penyelesaian tanggal bayar; tunggal penyerahan penyelesaian rekening; kliring; penyelesaian akun obligasi tanggung bersama dan

settlement date

settlement of account

several liability

sendiri

shadow stock plan

kalender bayangan rencana sediaan bayangan

share

saham

share broker

pialang saham opsi saham premi saham rekening saham berpremi registrar saham rencana beli ulang saham pemecahan saham swap saham

shadow calender

share option share premium share premium account share registry share repurchase plan share split share swap

101

share unit trust^short squeeze unit amanat saham (m) saham tanpa nilai nominal opsi tumbuh bersama pemegang saham rancangan investasi pemegang

share unit trust

share without par-value shared growth option shareholder

shareholder investment plan

saham

shareholder meeting shareholder's equity shareholder's fund

sharpe index shelter

shipping bill shipping guarantee shipping note shopping list credit

rapat pemegang saham

kekayaan pemegang saham dana pemegang saham indeks Sharpe lindungan wesel pengapalan jaminan pengapalan

short againts the box

surat muatan; nota pengapalan daftar pembelian kredit; kredit daftar belanja; kredit canda kulak jual saham simpanan

short bill

obligasi jatuh tempo singkat; obligasi

short bond

jatuh tempo segera obligasi jangka pendek kupon jangka pendek penutupan jangka pendek; beli padat

short coupon short covering short dated paper short deposit short exchange short exempt rulling short form bill of lading

konosemen singkat; konosemen

short hedge

transaksi elak risko

short interest

wesel batas triwulan

deposito singkat unjuk; atas unjuk aturan bebas sebentar

ringkas

short interest theory

kepentingan jangka pendek; tingkat bunga berjangka pendek teori kepentingan jangka pendek

short lease

sewa guna pendek

short position

kedudukan singkat; posisi jangka

short rate

tarif semerta

pendek

short rate premium

premi semerta

short sale

jual semerta;juai kosong; jual semu;

short selling short squeeze

jual kosong juaf kosong pembelian mendesak 102

short tap^sllver bonds short tap

shrt-term purchase

jangka jatuh tempo jangka pendek kredit jangka pendek hutang jangka pendek deposito jangka pendek pembiayaan jangka pendek sewa guna pendek kewajiban jangka pendek kredit jangka pendek; pinjaman jangka pendek jatuh tempo semerta pasar uang ajangka pendek polis jangka pendek (m) tingkat bunga janga pendek tingkat bunga jangka pendek kecenderungan jangka pendek kekurangan dari taksiran pendapatan posisi semerta kekurangan pengiriman portofolio investasi jangka pendek kewajiban jangka pendek jatuh tempo semerta penjualan jangka pendek pembelian semerta

Siamese stock

saham kembar siam

side by side trading sideway market

dagangan bersanding masa riak harga

sight sight bill

atas unjuk bersifat tunai; wesel tunai; wesel

short term short term credit short term debt

short term deposit short term financing short term lease

short term liabilities short term loan

short term maturity short term money market short term policy short term rate

short term rate of interst short term trend

short-falls in estimated revenue

short-position short-shipment short-term investment portfolio short-term liability short-term maturity short-term sale

sight credit sight deposit sight draft sight Letter of Credit sight rate signatory signature book

significant influence silver bonds silver coins

atas unjuk kredit atas unjuk rekening koran; deposito atas unjuk wesel atas unjuk surat kredit atas unjuk tarif atas unjuk penandatanganan akta buku contoh tanda tangan; buku spesimen tanda tangan pengaruh signifikan obligasi perak mata uang perak 103

silver colnsAsoft spot simple annuity simple arbitrage simple contract simple interest

anuitas sederhana

sine qua Singapore inter bank borrowing rate (SIBOR)

siple debenture site preparation sleeper

kondisi pasti tingkat bunga pinjaman antar bank Singapura (SIBOR) perataan mata uang tunggal opsi tunggal kredit angsuran tunggal tingkat bunga model indeks tunggal dana pelunasan utang; sinking fund; dana cadangan obligasi sinking fund; dana pembayaran utang obligasi tak berjamin persiapan lahan saham potensial tak menarik; saham

slow pay and satisfactory account

rekening lamban dan tidak memuas-

small business

usaha kecil

small credit to petty traders

kredit candak kulak

small investor

pemodal kecil kredit investasi kecil (KIK)

arbitrase langsung kontrak sederhana

bunga atas pokok pinjaman; bunga biasa

single currency pegging single option single payment loan single source rate single-index model sinking fund sinking fund bond

terlu

kan

small scala investment credit

small scale industry small scale interprise small scle investment kredit smart-money

industri keci

perusahaan kecil kredit invesasi kecil (KIK) pemodal canggih

akuntansi sosial social accounting social responsibility tanggung jawab sosial organisasi jaminan sosial social security organisation society for worldwide interbank financial telecommunication SWFT arbitrase lunak soft arbitrage mata uang lemah soft currency pinjaman lunak soft loan pasar lesu soft market spot lesu soft spot

104

soiled notettspecial endorsement soiled note

wesel rusak; soiled note

sold note

sole agent sole proprietor sole proprietorship

catatan hasil jual efek agen tunggal pengusaha tunggal (b) perusahaan perorangan; usaha

sole-proprietor

pemilik perorangan

perorangan solicitor

wakil

solicitor trustee

solicitor's undertaking

wall amanat tunggal rekening operasional wall janji pengembalian wall; surat

solvency

solvabilitas

solvent

bonafit; mampu penyelesaian transaksi untuk uang

solicitors account

pernyataan pengembalian

someday settlement

yang sama

sorting sorting code numbers sound banking practice

seleksi

sound credit

kredit lancar; kredit sehat

nomer code cek; nomor cek

praktik perbankan seha; praktek perbankan yang sehatt

sound judgement

pertimbangan sehat

source document

sumber dokumen

source of fund

sumber dana

sovereign sovereign risk

risiko kedaulatan; risiko mata uang

mata uang emas emas

soverign guarantor soverign risk special bid special clearance

special crossing special deposit special deposits

penjamin mata uang emas risiko mata uang emas penawaran khusus

kliring khusus; kliring khusus; pe nyelesaian khusus; penunaian dipercepat silangan khusus deposito khusus simpanan wajib (ke bank sentral)

special dividend

dividen khusus; dividen tambahan

special drawing rights

emas kertas; hak penarikanistimew< (m); hak penarikan khusus (SDR); hak emas kertas

special endorsement

endosemen khusus; endosemen at^ nama; endorsemen khusus

105

special executorttspot special executor special investment departement

juru sita khusus deposito khusus berbungatinggi; deposito pesanan

special letter of credit special notice special provision specialise mutual fund specialist specialist block purchase or sale specialist unit specialist's book speciality debt specie specie points specific dividend specific reserve specimen signatory list

surat kredit khusus

spectail spectail dealer speculate speculation speculative speculative buying speculative motive speculative selling speculator spesipic charge spin-offs split split down split offering split rating split share split-offs split-ups sponsor

spontaneous financing spot

perhatian khusus provisi khusus dana bersama khusus

spesialis spesialis jual-beli blok unit spesialis buku spesial hutang khusus mata uang emas

selisih bersih harga emas dividen khusus

cadangan khusus daftar contoh tanda tangan; buku spesimen tandatangan; buku contoh tanda tangan subpialang dealer subpialang berspekulasi spekulasi untung-untungan pembelian spekulasi motif spekulasi penjualan spekulasi spekulan pembebanan tetap pemekaran pecahan pecahan turun penawaran terbagi pembagian bertingkat saham penggal pecah saham pisah sponsor; penaja pembayaran tanpa studi; pendanaan spontan; pembiayaan spontan transaksi devisa tunai

106

spot against forwardAstandby arrangement spot against forward spot delivery month spot exchange spot kontrak spot market spot price spot rate spot trading spot transaction spread spread option spread order spread position spreading square position squaring squeeze

swap

bulan penyerahan spot pasar sekarang kontrak spot pasar tunai; pasar spot hargapenyerahan segera; harga spot tarif spot perdagangan tunai transaksi tunai

sebaran; tarif bunga jual; beda penawaran dan pembelian beda opsi pesanan spread posisi spread spreading

kedudukan setara; posisi setara transaksi penyelesaian; posisi setara penyesuaian skues

stabilization

penstabilan

stabilization

dana stabilisasi

stabilization fund

dana stabilisasi

staff training fund

dan pelatihan karyawan berhenti; mandeg; stag provisi tunggu; provisi tertangguh jatuh tempo dadakan rekening beku; akun beku

stag staggered provision

staggering maturities stagnant account stale cheque

cek palsu; cek tak laku; cek kedaluwarsa

stamp duties stamping under penalty stand by arrangement stand by Letter of Credit standard and poor's index

pemeteraian kemudian perjanjian siaga surat kredit siaga indeks standar dan poor

standard contract

akad baku

standard cost

biaya standar pusat biaya standar sistem biaya standar galat baku taksiran persetujuan siaga perjanjian siaga

standard cost center

standard cost system standard error of estimate

standby agreement standby arrangement

meterai

107

standby commitmentAstock broker standby commitment standby letter of credit standby loan standing credit standing instruction standing order standstill agreement start-up capital start-up cost

penjamin emisi dengan kesanggupan siaga surat kredit siaga pinjaman siaga kredit instruksi berlaku

pemesanan tetap berlaku; pesanan belum terlayani persetujuan slap pakai modal awal

stated own bank

biaya permulaan bank pemerintah bank pemerintah

stated value

nilai ditentukan

statement bank

pernyataan bank pernyataan pailit pernyataan standar perakunan keuangan ikhtisar penggunaan dan sumber

state owned bank

statement of affairs

statement of financial accounting Standard

statement of sources and uses of

dana

funds

statewide branching statistical sampling status anguiry

pembukaan kantor cabang sampling statistik

statute barred

piutang kedaluwarsa uridang-undang waktu kontrak piutang daluwarsa batas kredit wajib hipotek wajib

statute of limitation statuted barred

statutoiy credit limit statutory mortagage statutory owner statutory rebate statutory receipt statutory report

statutory reporting statutory reserve fund statutory trust statutory trust for sale staying power step one discount facility stiffening endorsement

pertanyaan status

wali tanah

potongan wajib penerimaan wajib laporan wajib laporan wajib

dana cadangan wajib wali amanat

cadangan wajib kekuatan kuasa

fasilitas diskonto tunggal endosemen kaku

stock

saham

stock broker

pialang saham 108

stock certificateCstop loss policy stock certificate

sertifikat saham

stock check; stock draft

cek saham

stock dividend

dividen saham

stock exchange stock exchange activity stock exchange member stock index futures

stock jobber stock market

bursa; bursa efek

kegiatan bursa anggota bursa indeks saham berjangka pialang pasar modal; pasar saham

stock market barometer

barometer bursa saham

stock of value

nilai saham

stock option stock option plan stock purchase plan

opsi saham rancangan opsi beli saham rencana pembelian saham

stock record

catatan efek

stock sale ratio

nisbah penjualan saham

stock split stock subscription stock swap stock transfer journal

pecahan saham; pecah saham

stock watcher stockbroker stockbroker loan stockholder

stockholder of record

stockholder's equity

stockholder's right stock-purchase option

pesanan pasar perdana swap saham; beli silang saham jurnal pindah saham papan informasi pialang; pialang saham pinjaman broker saham; pinjaman pialang perantara saham pemegang saham terdaftar ekuitas pemegang saham; modal; kekayaan pemegang saham hak pemegang saham hak beli kembali

stolen bank notes

wesel bank tercuri

stolen bill

wesel tercuri; wesel termanipulasi cek tercuri; cek termanipulasi

t

stolen cheque stolen cheque order stolen post office money order stop cheque stop limit order stop loss order

stop loss policy

cek tercuri

wesel pos tercuri penghentian pembayaran; penundaan pembayaran batas pesanan pesanan batas kerugian (m); amanat henti rugi kebijakan penghentian rugi 109

stop loss reinsurance^submortgage stop loss reinsurance stop order stop order to buy or to sell stop order to sell stop payment stop payment oeder stop price stopping an account storage cost straddle

straight bill of lading

kebijakan reaasuransi penghentian rugi amanat pada harga khusus amanat henti beli atau jual amanat henti jual penghentian pembayaran instruksi larang bayar harga khusus penutupan rekening biaya simpan kondisi siaga surat muatan langsung; konosemen biasa

straight bond straight debt straight line depreciation straight-line basis straight-line method strap strate title

strategic analysis strategic and tactical strategic consolidation strategic planning strategy street name

strike price striking price stringent stringent policy stringent requirement strip strip debt strong efficient market hypothesis strong-form efficient market subject subject market subject quote subjective method sublease

submortgage

obligasi biasa kredit biasa

penyusutan garis lurus asas garis lurus metode garis lurus kontrak tiga opsi peringkat kepemilikan? analisis strategis strategis dan taktis konsolidasi strategis perencanaan strategis strategi efek pinjam nama pialang harga pengacau harga terendah ketat

kebijakan pengetatan tuntutan pengetatan

pengumpulan dividen hutang iDertanda hipotesis pasar efisien kuat pasar efisien bentuk kuat subjek pasar subyek quota subyek metode subyektif subsewa guna usaha subhipotek 110

subordinate debentures9suplier's credit

subordinated debt subordinated loan

obligasi nirjamin subordinasi pinjaman subordinasi obligasi niragun subordinasi utang subordinasi pinjaman subordinasi

subordinated security

sekuritas subordinasi

subpaying agent subrogation subscribed capital subscription subscription offering subscription period subscription price subscription privilege subscription ratio subscription right subscription warrant subsidiary

agen pembayaran pem bantu subrogasi modal terpesan persetujuan beli penawaran janji beli masa janji beli harga janji beli hak setuju nisbah janji beli

subordinate debentures subordinate loan subordinated debenture

hak beli khusus waran beli

substandard account

anak perusahaan substansi mengungguli bentuk rekening di bawah standar; rekening

substandard loan

di bawah wajar kredit di bawah wajar; pinjaman

substandard loan and advance

kredit dan uang muka di bawah

substantial holding

penguasaan dominan

substantial loss

rugi besar

substance over form

substandar

wajar

substitution bill

wesel substitusi

sum payable sum-of the year digits method sundry asset sundry creditors account sundry debt

jumlah utang

sundry debtors super dividend superannuation scheme

superflous diversification supervision of bank supervisory supervisory policy suplier's credit

sum-of the year digits method harta rupa-rupa rekening utang rupa-rupa utang rupa-rupa pengutang rupa-rupa dividen super skema anuitas soper

penganekaragam an penyeliaan atas bank seliaan

kebijakan selia kredit pemasok 111

supplier credit faciiity^syndicated loan supplier credit facility supplier financing

fasilitas kredit pemasok

supplier's credit support department support level support line supporting dokumen supporting invoice supporting schedule

kredit pemasok

pendanaan pemasok/pembiayaan pemasok

departemen penunjang tingkat dukungan garis dukung dokumen pendukung faktur pendukung skedul pendukung; jadwal pendukung

supress

hapus

surety

penjamin; penjamin; jaminan; tanggungan pinjaman garanto aset lebihan; harta berlimpahan

surplus asset surplus fund surrender value

suspended trading suspense account suspense amount

suspension of interest

suspension of payment suspension of the bank act

sustainable dividend growth sustainable growth model sustainable growth rate swap

swap arrangement swapxost swap deposit swap driven loan swap order swap premium swap rate

swap-driven loan sweetener

dana lebihan

nilai tebusan polis; nilai tebusan penangguhan perdagangan rekening rupa-rupa jumlah tak pasti bunga tak pasti penundaan pembayaran; penundaan bayaran penundaan aturan bank pertumbuhan dividen tak henti model tumbuh tak henti

tingkat tumbuh lestari swap; lindung nilai pengaturan swap beban swap . setoran swap; deposito swap pinjaman berswap amanat swap

premi swap

tingkat bunga swap kredit terlindung nilai pemanis; perubahan mata uang; pemindahan

syndicate syndicated loan

sindikat

kredit sindikas; kredit sindikasi; pinjaman sindikasi 112

syndication«(SWIFT) Society For Worlwide Interbank syndication synergy

sindikasi sinergi

system design

desain sistem; rancang sistem

systematic risk

risiko sistematik

(SWIFT) Society For Worlwide Interbank

Pertubuhan (SWIFT) Telekomunikasi Keuangan Antara Bank

113

T + 4 transaction

transaksi + 4 hari (T+4)

tactical financial planning tailgating take a position

perencanaan keuangan taktis pesanan mengekor mengambil kedudukan

take down

menurunkan

take out

ambil keluar

take over arbitrage

arbitrase ambil alih

takeover

taking delivery

pengambilalihan penerimaan kiriman

talon

talon

tangible asset

aset berwujud; harta ben/vujud; aktiva berwujud laba nyata

tangible profit tangible security tape

target balance report target company

target price tax adjustment tax alocation tax avoidance

tax compensation tax credit tax evasion

tax exempt bond tax exempt security tax loss carry-forwards tax managed utility mutual fund tax planning tax selling tax shelter tax shield

taxable transaction

sekuritas nyata jasa pantau pasar laporan saldo target sasaran perusahaan sasaran harga koreksi fiskal

alokasi pajak penghindaran pajak kompensasi pajak kredit pajak pengelakan pajak obligasi bebas pajak sekuritas bebas pajak rugi pajak diperhitungkan pajak kelola dana bersama perencanaan pajak pajak penjualan perlindungan pajak lindungan pajak transaksi kena pajak 114

tax-advantaged investmenttttiered rates tax-advantaged investment tax-free transaction

tax-sharing agreement technical analysis

pajak investasi transaksi bebas pajak perjanjian bagi beban pajak analisis teknis

technical indicator

indikasi teknik

technical rally

reli teknik; harga naik sejenak lalu

technical sign tecnical training telegraphic transfer

tanda teknik

teller

kasir

turun

latihan teknis

transfer telegrafik

teller

kasir; teller

teller's counter

tempat kasir jendela kasir

teller's window

temporary facility

ifasilitas sementara

tender offer

tawaran tender; penawaran terbuka penawaran tender; penawaran

tender offers

terbuka term bond term certificate term loan

term loan facility (off-shore) term of payment term repo term structure of interest rate

obligasi berjangka sertifikat berjangka pinjaman berjangka; kredit berjangka

pinjaman luar negeri dalam valas syarat pembayaran tenggang waktu repo struktur berjangka tingkat bunga; struktur waktu tingkat bunga

term telegrafic transfer

transfer kawat

terminal bond

obligasi berbatas

terminal value

nilai batas; nilai akhir

termination benefit

tunjangan pemutusan hubungan kerja tanggal pemutusan hubungan kerja skema kredit perumahan

termination date

the house-ownership credit scheme theoretical value

nilai teoretis

thin market

third party approach third-party appraisal

pasar sepi pasar ketiga ancangan pihak ketiga penilaian bebas

tick

tik

tied loan

pinjaman syarat tidak lunak suku bunga bertingkat

third market

tiered rates

115

tight marketVtrade date

time payment time priority time spread

pasar ketat transaksi berjangka deposito berjangka wesel berjangka taska; taska (tabungan asuransi berjangka) kali bunga terperoleh (M) utang berjangka periode pembayaran aberjangka prioritas waktu penyebaran waktu

time value

nilai waktu

time value of money timeless of reports time-varying anticipation

nilai waktu uang laporan terlambat antisipasi variasi waktu tingkat pulangan tertimbang

tight market time bargains time deposit time draft

time insurance saving scheme time interset earned

time liability time line

time-weighted total rate of return timing difference

beda waktu

tin index

indeks timah

tip token money toll revenue bond

tip uang tanda; mata uang obligasi jalan tol

tombstone

tombston

tombstone ads

ikian Tombston

top value top-down approach toppedup loan topping out topping the bid topping up loans total assets-to-equity ratio total debt-to-total capital ratio

nilai tertinggi pendekatan atas bawah pinjaman tampungan masa-harga terbalik penawaran tertinggi pinjaman tampungan (b)

total volume

total volume

track record

angka prestasi; daftar sukses; sejarah kinerja akseptasi dagang; aksep dagang; aseptasi dagangan wesel dagang

trade acceptance trade bill

nisbah aset ekuitas

nisbah utang modal

trade blotter

buku harian

trade credit

kredit dagang tanggal niaga

trade date

116

trade debt^translation of foreign exchange

trade financing

hutang dagang wesel dagang pembiayaan dagang

trade related credit

kredit hubungan dagang

trade settlement

penyelesaian transaksi pedagang fasilitas kredit dagang dagang dengan diskon dagang dengan premi

trade debt trade draft

trader

trade-related credit facility trading at a discount trading at a premium trading floor trading halt trading hours trading limit trading pattern trading post trading profit trading range trading rule trading unit trading volume

lantai bursa

penghentian perdagangan jam bursa

batas perdagangan pola perdagangan ruang dagang laba dagang kisar perdagangan aturan dagang unit perdagangan . volume perdagangan

tranche

tranche

transaction

transaksi

transaction motive

motif transaksi

transaction room transfer

ruang transaksi perpindahan; transfer

transfer agent

kantor balik nama

transfer and hold

pindah dan tahan pindah dan kirim

transfer and ship transfer certificate

sertifikat transfer

transfer form

formulir pemindahan evaluasi metode pengalihan penentuan harga transfer pajak penjualan; pajak penyerahan kredit dapat alih; kredit boleh transfer surat kredit dapat alih

transfer method evaluation

transfer pricing transfer tax

transferable credit

transferable Letter of credit transferable notice transit float

translation of foreign currency financial statement

translation of foreign exchange

nota pemindahan

ambangan transit

laporan keuangan dalam mata uang asing penjabaran valuta asing

117

traveller's cheque^two step loan traveller's cheque

cek musafir

treasurer

bendahara

treasuries

obligasi pemerintah kegiatan bendahara; wesel; surat utang pemerintah jangka pendek; surat perbandaharaan negara surat utang pemerintah jangka panjang surat berharga pemerintah jangka menengah sekuritas perbendaharaan negara

treasury bill

treasury bond treasury note

treasury security treasury stock treasury zero certificate

saham tebusan

trurst receipt

sertifikat perbendaharaan kosong kecenderungan analisis kecenderungan garis kecenderungan garis kecenderungan indeks treynor segitiga reorganisasi segitiga kaidah titik pemicu sewa guna usaha kapital sejati potongan sejati sewa guna usaha murni penerimaan wall

trust asset

aset amanat

trust deeda

reksa dana

trend

trend analysis trend line

trendline

treynor index triangle triangular reorganization trigger point rule true capital lease true discount true lease

trust department

kantor

trust document

aset kepercayaan dokumen amanat; dokumen kepercayaan

trust receipt trust receipts (TR)

bukti trust; bukti trus

trust services

penerimaan amanat; penerimaan jasa aperwalian

trustee

wali amanat

trustee company

perusahaan wali amanat

trustee share

saham wali amanat

trustee syndicate turkey

sindikat wali amanat

turn over

perputaran subpialang kredit dua tahap

two dollar broker

two step loan

penanaman mengecewakan

118

two-around situation^type of financing two-around situation

situasi mendua

two-factor market model two-parameter model

model pasar dua faktor model dua parameter

two-way quotation type of financing

rawaran bolak-balik jenis pembayaran

119

u unamortized discount

diskonto belum teramortasi

unamortized premium unappropriated

premi belum teramortisasi tak dicadangkan

unauthorised

tak dikuasakan

unbundling bank services uncertainty analysis unclaimed money

jasa bank bebas analisis ketakpastian uang tak diminta

unclasified balanced sheet

neraca takterklasifikasi

uncollectable credit

kredit tak tertagih

lincomfirmed letter of credit

surat kredit tidak dikonfirmasi

unconfirmed irrevocable l_/C

surat kredit tak boleh batal belum

uncovered call

uncovered option underbanked

undercapitalization underlying debt underlying future contract underlying security undervaluation undervalued underwriter

underwriter syndicate underwriting underwriting agreement underwriting contract underwriting group underwriting manager underwriting spread underwritting issue undigested securities

disetujui kol tak terjamin opsi tak terlindung penjamin sepi kapitalisasi rendah obligasi daerah dijamin pusat kontrak berjangka dijamin sekuritas penyerta penilaian bawah standar penilaian rendah penjamin emisi sindikasi penjamin emisi penjamin emisi perjanjian penjaminan kontrak penjamin grup penjamin manajer penjamin penyebaran penjaminan emisi berjamin sekuritas tak tahu

undistributed dividend

dividen tidak dibagi

undistributed profits

laba ditahan

120

undivided profitAusance term undivided profit

laba ditahan

unearned lease income

penghasilan sewa guna usaha yg

unfavorable financial leverage uniform customs and practies for documentary credit(USP)

pengumpilan keuangan niruntung USP

unissued stock

saham belum beredar

unit labour cost

biaya tenaga kerja per unit unit perdagangan formula penjualan satuan

belum terealisasikan

unit of trading unit sales formula unit trust

reksa dana; reksadena

unitral investment

investasi awal

universal bank

unlimited tax bond

bank sejagat perusahaan nirkredit obligasi pajak tertanggung

unlisted securities

efek tak tercatat

unleverage firm

unlisted trading unloading unmatched maturity unorganized financial market unorganized money unpaid balance unpaid dividend unrealised profit (loss) unregistered stock

perdagangan tak tercatat tanbeban

kematangan tak sepadan pasar uang tak terorganisasi pasar uang tak terorganisasi saldo terhutang; baki terhutang dividen belum bayar untung/rugi belum pasti saham tak terdaftar

unsecured loan

wesel berjangka utang tanpa jaminan pinjdman tidak terjamin

unsystematic risk

risiko tak sistematik

unwarranted loan

kredit tak berjamin; pinjaman tak berjamin harga lelang terendah potensi naik pasar luar bursa uptik kecenderungan naik wesel berjangka wesel berjangka surat kredit berjangka

unsance bill

unsecured debt

upset price upside potential upstairs market uptick uptrend usance bill

usance draft

usance letter of credit

usance period

batas waktu lazim

usance term

syarat waktu lazim 121

utilities cost^utiiity stock utilities cost

biaya manfaat

utility revenue bond utility stock

obligasi publik saham utiliti; saham kegunaan

122

validation certification

validasi sertifikat

valuation of debtor

penilaian debitur

value added loan

kredit bernilai tambah

value broker

pialang penilai tanggal nilai obligasi valuta anggaran variable sistem biaya variable

value date valuta clausule

variable budget variable cost system variable costing system variable hedging variable rate debt instrument

sistem biaya variabel hedging beraneka peranti utang tingkat bungan berubah

variation vault cash

vendor selection

penyimpangan uang dalam kas seleksi pemasok

venture capital venture capital company venture capital investment venture capital pool venture capitalist

investasi modal ventura

vertical diversification

diversifikasi vertikal

vertical merger vertical spread vessel mortgage bond vesting village general credit voidable preference volatile deposit

merger vertikal penyebaran menegak obligasi hipotek kapal vesting kredit usaha pedesaan (kupedes) pilihan dapat hindar deposito sejenak akun perdagangan volatil

volatile market

modal Ventura

perusahaan modal ventura

kelompok modal ventura pemodal ventura

volatility volatility of stock price

labil mudah berubah

volume

volume

volume of trade theory

teori volume perdagangan

keringkihan harga saham

123

vostro account^vulnerable deposit vostro account

rekening vostro; akun vostro

voting bonds

obligasi berhak suara; obligasi

voting right voting stock

hak suara

dengan hak suara saham berhak suara

voucher

bukti transaksi

vulnerable deposit

deposito mudah cacat; deposito sensitip

124

w bentuk w

w formation

waiting periode

masa tunggu

waive

hapus; batal

wall street

•wall street'

warrant

bukti hak

wash sale

jual fiktif daftar perhatian hipotesis pasar lemah pasar lemah

watch list

weak form efficient market hypothesis weak market

wedge

kecil

week order

amanat seminggu biaya modal rerata tertimbang

weighted average cost of capital wet lease ^ whipsawed whole sale transaction

wholesale banking wholesale loan

widow and ophan stock wildcat banking window dressing wire transfer

withdrawal plan work standard

working (cash) reserves working capital working capital credit

daftar basah

transaksi merugi transaksi borongan bank grosir; bank besar pinjaman borong saham janda dan yatim

perbankan gelap palsuan indah transfer kawat(m) rencana penarikan standar kerja cadangan modal kerja modal kerja kredit modal kerja

world bank

bank dunia

worldwide financial structure

struktur keuangan global

write

tertulis

write out

tutup sendiri penurunan nilai penghapus bukuan penulis pemulihan nilai

write-down write-off writer

write-up

125

X xor xD

X atau xD

x-all

x-semua

x-bonus

x-bonus

x-dividen (xd)

X dividen

x-dividen date

tanggal x dividen

xR

xR

x-right (xr)

x-hasil

xW

xW

x-warrant (xw)

x-waran

126

yankee certificate of deposit

sertifikat deposito yankee pasar obligasi yankee

yankee-bond market year end dividend yearly rest yen bond yield

saldo tahunan

yield advantage

pertambahan hasil

dividen tahun buku

obligasi yen hasil

yield curve yield spread yield to average life yield to call yield to maturity

jatuh tempo; jatuh waktu; hasil jatuh

yield-equivalence

hasil kesepadanan

yield-to-maturity concept

konsep jatuh tempo

yoyo market yoyo stock yunior securitas

saham yoyo sekuritas yunior; sekuritas muda

kurva hasil

senjang hasil kadar hasil usia rata-rata kadar hasil kol

tempo

pasar yoyo

127

zero balance

saldo nihil

zero coupon bond

obligasi tanpa kupon; obligasi nirkupon jual sama kurang jual sama lebih

zero minus tick

zero plus tick zero-balance account

akun nominal

zero-balance system zero-base budgeting zero-coupon bond

sistem nirsaldo

anggaran asas nol

obligasi nirbunga

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