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[r]" accesskey="r"><span>Perubahan terbaru</span></a></li><li id="n-Artikel-pilihan" class="mw-list-item"><a href="/wiki/Wikipedia:Artikel_pilihan/Topik"><span>Artikel pilihan</span></a></li><li id="n-currentevents" class="mw-list-item"><a href="/wiki/Portal:Peristiwa_terkini" title="Temukan informasi tentang peristiwa terkini"><span>Peristiwa terkini</span></a></li><li id="n-newpage" class="mw-list-item"><a href="/wiki/Istimewa:Halaman_baru"><span>Halaman baru</span></a></li><li id="n-randompage" class="mw-list-item"><a href="/wiki/Istimewa:Halaman_sembarang" title="Tampilkan sembarang halaman [x]" accesskey="x"><span>Halaman sembarang</span></a></li><li id="n-specialpages" class="mw-list-item"><a href="/wiki/Istimewa:Halaman_istimewa"><span>Halaman istimewa</span></a></li> </ul> </div> </div> <div id="p-Komunitas" class="vector-menu mw-portlet mw-portlet-Komunitas" > <div class="vector-menu-heading"> Komunitas </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="n-Warung-Kopi" class="mw-list-item"><a href="/wiki/Wikipedia:Warung_Kopi"><span>Warung Kopi</span></a></li><li id="n-portal" class="mw-list-item"><a href="/wiki/Portal:Komunitas" title="Tentang proyek, apa yang dapat Anda lakukan, di mana untuk mencari sesuatu"><span>Portal komunitas</span></a></li><li id="n-help" class="mw-list-item"><a href="/wiki/Bantuan:Isi" title="Tempat mencari bantuan."><span>Bantuan</span></a></li> </ul> </div> </div> <div id="p-Wikipedia" class="vector-menu mw-portlet mw-portlet-Wikipedia" > <div class="vector-menu-heading"> Wikipedia </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="n-aboutsite" class="mw-list-item"><a href="/wiki/Wikipedia:Perihal"><span>Tentang Wikipedia</span></a></li><li id="n-Pancapilar" class="mw-list-item"><a href="/wiki/Wikipedia:Pancapilar"><span>Pancapilar</span></a></li><li id="n-Kebijakan" class="mw-list-item"><a href="/wiki/Wikipedia:Kebijakan_dan_pedoman"><span>Kebijakan</span></a></li><li id="n-Hubungi-kami" class="mw-list-item"><a href="/wiki/Wikipedia:Hubungi_kami"><span>Hubungi kami</span></a></li><li id="n-Bak-pasir" class="mw-list-item"><a href="/wiki/Wikipedia:Bak_pasir"><span>Bak pasir</span></a></li> </ul> </div> </div> <div id="p-Bagikan" class="vector-menu mw-portlet mw-portlet-Bagikan emptyPortlet" > <div class="vector-menu-heading"> Bagikan </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> </div> </div> </div> </div> </nav> <a href="/wiki/Halaman_Utama" class="mw-logo"> <img class="mw-logo-icon" src="/static/images/icons/wikipedia.png" alt="" aria-hidden="true" height="50" width="50"> <span class="mw-logo-container skin-invert"> <img class="mw-logo-wordmark" alt="Wikipedia" src="/static/images/mobile/copyright/wikipedia-wordmark-en.svg" style="width: 7.5em; height: 1.125em;"> <img class="mw-logo-tagline" alt="Ensiklopedia Bebas" src="/static/images/mobile/copyright/wikipedia-tagline-id.svg" width="120" height="14" style="width: 7.5em; height: 0.875em;"> </span> </a> </div> <div class="vector-header-end"> <div id="p-search" role="search" class="vector-search-box-vue vector-search-box-collapses vector-search-box-show-thumbnail vector-search-box-auto-expand-width vector-search-box"> <a href="/wiki/Istimewa:Pencarian" class="cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only search-toggle" title="Cari di Wikipedia [f]" accesskey="f"><span class="vector-icon mw-ui-icon-search mw-ui-icon-wikimedia-search"></span> <span>Pencarian</span> </a> <div class="vector-typeahead-search-container"> <div class="cdx-typeahead-search cdx-typeahead-search--show-thumbnail cdx-typeahead-search--auto-expand-width"> <form action="/w/index.php" id="searchform" class="cdx-search-input cdx-search-input--has-end-button"> <div id="simpleSearch" class="cdx-search-input__input-wrapper" data-search-loc="header-moved"> <div class="cdx-text-input cdx-text-input--has-start-icon"> <input class="cdx-text-input__input" type="search" name="search" placeholder="Telusuri Wikipedia" aria-label="Telusuri Wikipedia" autocapitalize="sentences" title="Cari di Wikipedia [f]" accesskey="f" id="searchInput" > <span class="cdx-text-input__icon cdx-text-input__start-icon"></span> </div> <input type="hidden" name="title" value="Istimewa:Pencarian"> </div> <button class="cdx-button cdx-search-input__end-button">Cari</button> </form> </div> </div> </div> <nav class="vector-user-links vector-user-links-wide" aria-label="Perkakas pribadi"> <div class="vector-user-links-main"> <div id="p-vector-user-menu-preferences" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <div id="p-vector-user-menu-userpage" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <nav class="vector-appearance-landmark" aria-label="Tampilan"> <div id="vector-appearance-dropdown" class="vector-dropdown " title="Change the appearance of the page's font size, width, and color" > <input type="checkbox" id="vector-appearance-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-appearance-dropdown" class="vector-dropdown-checkbox " aria-label="Tampilan" > <label id="vector-appearance-dropdown-label" for="vector-appearance-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-appearance mw-ui-icon-wikimedia-appearance"></span> <span class="vector-dropdown-label-text">Tampilan</span> </label> <div class="vector-dropdown-content"> <div id="vector-appearance-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <div id="p-vector-user-menu-notifications" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <div id="p-vector-user-menu-overflow" class="vector-menu mw-portlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-sitesupport-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="https://donate.wikimedia.org/?wmf_source=donate&wmf_medium=sidebar&wmf_campaign=id.wikipedia.org&uselang=id" class=""><span>Menyumbang</span></a> </li> <li id="pt-createaccount-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=Istimewa:Buat_akun&returnto=Giro" title="Anda dianjurkan untuk membuat akun dan masuk log; meskipun, hal itu tidak diwajibkan" class=""><span>Buat akun baru</span></a> </li> <li id="pt-login-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=Istimewa:Masuk_log&returnto=Giro" title="Anda disarankan untuk masuk log, meskipun hal itu tidak diwajibkan. [o]" accesskey="o" class=""><span>Masuk log</span></a> </li> </ul> </div> </div> </div> <div id="vector-user-links-dropdown" class="vector-dropdown vector-user-menu vector-button-flush-right vector-user-menu-logged-out" title="Opsi lainnya" > <input type="checkbox" id="vector-user-links-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-user-links-dropdown" class="vector-dropdown-checkbox " aria-label="Perkakas pribadi" > <label id="vector-user-links-dropdown-label" for="vector-user-links-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-ellipsis mw-ui-icon-wikimedia-ellipsis"></span> <span class="vector-dropdown-label-text">Perkakas pribadi</span> </label> <div class="vector-dropdown-content"> <div id="p-personal" class="vector-menu mw-portlet mw-portlet-personal user-links-collapsible-item" title="Menu pengguna" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-sitesupport" class="user-links-collapsible-item mw-list-item"><a href="https://donate.wikimedia.org/?wmf_source=donate&wmf_medium=sidebar&wmf_campaign=id.wikipedia.org&uselang=id"><span>Menyumbang</span></a></li><li id="pt-createaccount" class="user-links-collapsible-item mw-list-item"><a href="/w/index.php?title=Istimewa:Buat_akun&returnto=Giro" title="Anda dianjurkan untuk membuat akun dan masuk log; meskipun, hal itu tidak diwajibkan"><span class="vector-icon mw-ui-icon-userAdd mw-ui-icon-wikimedia-userAdd"></span> <span>Buat akun baru</span></a></li><li id="pt-login" class="user-links-collapsible-item mw-list-item"><a href="/w/index.php?title=Istimewa:Masuk_log&returnto=Giro" title="Anda disarankan untuk masuk log, meskipun hal itu tidak diwajibkan. [o]" accesskey="o"><span class="vector-icon mw-ui-icon-logIn mw-ui-icon-wikimedia-logIn"></span> <span>Masuk log</span></a></li> </ul> </div> </div> <div id="p-user-menu-anon-editor" class="vector-menu mw-portlet mw-portlet-user-menu-anon-editor" > <div class="vector-menu-heading"> Halaman penyunting yang telah keluar log <a href="/wiki/Bantuan:Pengantar" aria-label="Pelajari lebih lanjut tentang menyunting"><span>pelajari lebih lanjut</span></a> </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-anoncontribs" class="mw-list-item"><a href="/wiki/Istimewa:Kontribusi_saya" title="Daftar suntingan yang dibuat dari alamat IP ini [y]" accesskey="y"><span>Kontribusi</span></a></li><li id="pt-anontalk" class="mw-list-item"><a href="/wiki/Istimewa:Pembicaraan_saya" title="Pembicaraan tentang suntingan dari alamat IP ini [n]" accesskey="n"><span>Pembicaraan</span></a></li> </ul> </div> </div> </div> </div> </nav> </div> </header> </div> <div class="mw-page-container"> <div class="mw-page-container-inner"> <div class="vector-sitenotice-container"> <div id="siteNotice"></div> </div> <div class="vector-column-start"> <div class="vector-main-menu-container"> <div id="mw-navigation"> <nav id="mw-panel" class="vector-main-menu-landmark" aria-label="Situs"> <div id="vector-main-menu-pinned-container" class="vector-pinned-container"> </div> </nav> </div> </div> <div class="vector-sticky-pinned-container"> <nav id="mw-panel-toc" aria-label="Daftar isi" data-event-name="ui.sidebar-toc" class="mw-table-of-contents-container vector-toc-landmark"> <div id="vector-toc-pinned-container" class="vector-pinned-container"> <div id="vector-toc" class="vector-toc vector-pinnable-element"> <div class="vector-pinnable-header vector-toc-pinnable-header vector-pinnable-header-pinned" data-feature-name="toc-pinned" data-pinnable-element-id="vector-toc" > <h2 class="vector-pinnable-header-label">Daftar isi</h2> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-toc.pin">pindah ke bilah sisi</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-toc.unpin">sembunyikan</button> </div> <ul class="vector-toc-contents" id="mw-panel-toc-list"> <li id="toc-mw-content-text" class="vector-toc-list-item vector-toc-level-1"> <a href="#" class="vector-toc-link"> <div class="vector-toc-text">Awal</div> </a> </li> <li id="toc-Sejarah_dan_Konsepsi" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Sejarah_dan_Konsepsi"> <div class="vector-toc-text"> <span class="vector-toc-numb">1</span> <span>Sejarah dan Konsepsi</span> </div> </a> <ul id="toc-Sejarah_dan_Konsepsi-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Lihat_pula" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Lihat_pula"> <div class="vector-toc-text"> <span class="vector-toc-numb">2</span> <span>Lihat pula</span> </div> </a> <ul id="toc-Lihat_pula-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Rujukan" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Rujukan"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Rujukan</span> </div> </a> <ul id="toc-Rujukan-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Daftar isi" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" title="Daftar Isi" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Gulingkan daftar isi" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Gulingkan daftar isi</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Giro</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Pergi ke artikel dalam bahasa lain. Terdapat 21 bahasa" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-21" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">21 bahasa</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-bg mw-list-item"><a href="https://bg.wikipedia.org/wiki/%D0%94%D0%B6%D0%B8%D1%80%D0%BE" title="Джиро – Bulgaria" lang="bg" hreflang="bg" data-title="Джиро" data-language-autonym="Български" data-language-local-name="Bulgaria" class="interlanguage-link-target"><span>Български</span></a></li><li class="interlanguage-link interwiki-ca mw-list-item"><a href="https://ca.wikipedia.org/wiki/Gir_bancari" title="Gir bancari – Katalan" lang="ca" hreflang="ca" data-title="Gir bancari" data-language-autonym="Català" data-language-local-name="Katalan" class="interlanguage-link-target"><span>Català</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/%C5%BDiro" title="Žiro – Ceko" lang="cs" hreflang="cs" data-title="Žiro" data-language-autonym="Čeština" data-language-local-name="Ceko" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/%C3%9Cberweisung_(Zahlungsverkehr)" title="Überweisung (Zahlungsverkehr) – Jerman" lang="de" hreflang="de" data-title="Überweisung (Zahlungsverkehr)" data-language-autonym="Deutsch" data-language-local-name="Jerman" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-en mw-list-item"><a href="https://en.wikipedia.org/wiki/Giro_(banking)" title="Giro (banking) – Inggris" lang="en" hreflang="en" data-title="Giro (banking)" data-language-autonym="English" data-language-local-name="Inggris" class="interlanguage-link-target"><span>English</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Giro_bancario" title="Giro bancario – Spanyol" lang="es" hreflang="es" data-title="Giro bancario" data-language-autonym="Español" data-language-local-name="Spanyol" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-fi mw-list-item"><a href="https://fi.wikipedia.org/wiki/Tilisiirto" title="Tilisiirto – Suomi" lang="fi" hreflang="fi" data-title="Tilisiirto" data-language-autonym="Suomi" data-language-local-name="Suomi" class="interlanguage-link-target"><span>Suomi</span></a></li><li class="interlanguage-link interwiki-fr badge-Q70894304 mw-list-item" title=""><a href="https://fr.wikipedia.org/wiki/Giro_(syst%C3%A8me_de_paiement)" title="Giro (système de paiement) – Prancis" lang="fr" hreflang="fr" data-title="Giro (système de paiement)" data-language-autonym="Français" data-language-local-name="Prancis" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-hy mw-list-item"><a href="https://hy.wikipedia.org/wiki/%D5%80%D5%A1%D5%B7%D5%BE%D5%A1%D6%80%D5%AF%D5%A1%D5%B5%D5%AB%D5%B6_%D5%B0%D5%A1%D5%B7%D5%AB%D5%BE" title="Հաշվարկային հաշիվ – Armenia" lang="hy" hreflang="hy" data-title="Հաշվարկային հաշիվ" data-language-autonym="Հայերեն" data-language-local-name="Armenia" class="interlanguage-link-target"><span>Հայերեն</span></a></li><li class="interlanguage-link interwiki-ja mw-list-item"><a href="https://ja.wikipedia.org/wiki/%E9%83%B5%E4%BE%BF%E6%8C%AF%E6%9B%BF" title="郵便振替 – Jepang" lang="ja" hreflang="ja" data-title="郵便振替" data-language-autonym="日本語" data-language-local-name="Jepang" class="interlanguage-link-target"><span>日本語</span></a></li><li class="interlanguage-link interwiki-jv mw-list-item"><a href="https://jv.wikipedia.org/wiki/Giro" title="Giro – Jawa" lang="jv" hreflang="jv" data-title="Giro" data-language-autonym="Jawa" data-language-local-name="Jawa" class="interlanguage-link-target"><span>Jawa</span></a></li><li class="interlanguage-link interwiki-kk mw-list-item"><a href="https://kk.wikipedia.org/wiki/%D0%95%D1%81%D0%B5%D0%BF_%D0%B0%D0%B9%D1%8B%D1%80%D1%8B%D1%81%D1%83_%D1%88%D0%BE%D1%82%D1%8B" title="Есеп айырысу шоты – Kazakh" lang="kk" hreflang="kk" data-title="Есеп айырысу шоты" data-language-autonym="Қазақша" data-language-local-name="Kazakh" class="interlanguage-link-target"><span>Қазақша</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EC%A7%80%EB%A1%9C" title="지로 – Korea" lang="ko" hreflang="ko" data-title="지로" data-language-autonym="한국어" data-language-local-name="Korea" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-nl mw-list-item"><a href="https://nl.wikipedia.org/wiki/Giraal_geld" title="Giraal geld – Belanda" lang="nl" hreflang="nl" data-title="Giraal geld" data-language-autonym="Nederlands" data-language-local-name="Belanda" class="interlanguage-link-target"><span>Nederlands</span></a></li><li class="interlanguage-link interwiki-nn mw-list-item"><a href="https://nn.wikipedia.org/wiki/Giro" title="Giro – Nynorsk Norwegia" lang="nn" hreflang="nn" data-title="Giro" data-language-autonym="Norsk nynorsk" data-language-local-name="Nynorsk Norwegia" class="interlanguage-link-target"><span>Norsk nynorsk</span></a></li><li class="interlanguage-link interwiki-no mw-list-item"><a href="https://no.wikipedia.org/wiki/Giro" title="Giro – Bokmål Norwegia" lang="nb" hreflang="nb" data-title="Giro" data-language-autonym="Norsk bokmål" data-language-local-name="Bokmål Norwegia" class="interlanguage-link-target"><span>Norsk bokmål</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%A0%D0%B0%D1%81%D1%87%D1%91%D1%82%D0%BD%D1%8B%D0%B9_%D1%81%D1%87%D1%91%D1%82" title="Расчётный счёт – Rusia" lang="ru" hreflang="ru" data-title="Расчётный счёт" data-language-autonym="Русский" data-language-local-name="Rusia" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-sr mw-list-item"><a href="https://sr.wikipedia.org/wiki/%D0%94%D0%B8%D1%80%D0%B5%D0%BA%D1%82%D0%BD%D0%B8_%D0%B4%D0%B5%D0%BF%D0%BE%D0%B7%D0%B8%D1%82" title="Директни депозит – Serbia" lang="sr" hreflang="sr" data-title="Директни депозит" data-language-autonym="Српски / srpski" data-language-local-name="Serbia" class="interlanguage-link-target"><span>Српски / srpski</span></a></li><li class="interlanguage-link interwiki-sv mw-list-item"><a href="https://sv.wikipedia.org/wiki/Giro" title="Giro – Swedia" lang="sv" hreflang="sv" data-title="Giro" data-language-autonym="Svenska" data-language-local-name="Swedia" class="interlanguage-link-target"><span>Svenska</span></a></li><li class="interlanguage-link interwiki-uk mw-list-item"><a href="https://uk.wikipedia.org/wiki/%D0%9F%D0%BB%D0%B0%D1%82%D1%96%D0%B6%D0%BD%D0%B5_%D0%B4%D0%BE%D1%80%D1%83%D1%87%D0%B5%D0%BD%D0%BD%D1%8F" title="Платіжне доручення – Ukraina" lang="uk" hreflang="uk" data-title="Платіжне доручення" data-language-autonym="Українська" data-language-local-name="Ukraina" class="interlanguage-link-target"><span>Українська</span></a></li><li class="interlanguage-link interwiki-uz mw-list-item"><a href="https://uz.wikipedia.org/wiki/Jiro" title="Jiro – Uzbek" lang="uz" hreflang="uz" data-title="Jiro" data-language-autonym="Oʻzbekcha / ўзбекча" data-language-local-name="Uzbek" class="interlanguage-link-target"><span>Oʻzbekcha / ўзбекча</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q79375#sitelinks-wikipedia" title="Sunting pranala interwiki" class="wbc-editpage">Sunting pranala</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Ruang nama"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-nstab-main" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/Giro" title="Lihat halaman isi [c]" accesskey="c"><span>Halaman</span></a></li><li id="ca-talk" class="new vector-tab-noicon mw-list-item"><a href="/w/index.php?title=Pembicaraan:Giro&action=edit&redlink=1" rel="discussion" class="new" title="Pembicaraan halaman isi (halaman belum tersedia) [t]" accesskey="t"><span>Pembicaraan</span></a></li> </ul> </div> </div> <div id="vector-variants-dropdown" class="vector-dropdown emptyPortlet" > <input type="checkbox" id="vector-variants-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-variants-dropdown" class="vector-dropdown-checkbox " aria-label="Ubah varian bahasa" > <label id="vector-variants-dropdown-label" for="vector-variants-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">Bahasa Indonesia</span> </label> <div class="vector-dropdown-content"> <div id="p-variants" class="vector-menu mw-portlet mw-portlet-variants emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> </div> </div> </nav> </div> <div id="right-navigation" class="vector-collapsible"> <nav aria-label="Tampilan"> <div id="p-views" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-views" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-view" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/Giro"><span>Baca</span></a></li><li id="ca-ve-edit" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=Giro&veaction=edit" title="Sunting halaman ini [v]" accesskey="v"><span>Sunting</span></a></li><li id="ca-edit" class="collapsible vector-tab-noicon mw-list-item"><a href="/w/index.php?title=Giro&action=edit" title="Sunting kode sumber halaman ini [e]" accesskey="e"><span>Sunting sumber</span></a></li><li id="ca-history" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=Giro&action=history" title="Revisi sebelumnya dari halaman ini. [h]" accesskey="h"><span>Lihat riwayat</span></a></li> </ul> </div> </div> </nav> <nav class="vector-page-tools-landmark" aria-label="Peralatan halaman"> <div id="vector-page-tools-dropdown" class="vector-dropdown vector-page-tools-dropdown" > <input type="checkbox" id="vector-page-tools-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-tools-dropdown" class="vector-dropdown-checkbox " aria-label="Perkakas" > <label id="vector-page-tools-dropdown-label" for="vector-page-tools-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">Perkakas</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-tools-unpinned-container" class="vector-unpinned-container"> <div id="vector-page-tools" class="vector-page-tools vector-pinnable-element"> <div class="vector-pinnable-header vector-page-tools-pinnable-header vector-pinnable-header-unpinned" data-feature-name="page-tools-pinned" data-pinnable-element-id="vector-page-tools" data-pinned-container-id="vector-page-tools-pinned-container" data-unpinned-container-id="vector-page-tools-unpinned-container" > <div class="vector-pinnable-header-label">Perkakas</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-page-tools.pin">pindah ke bilah sisi</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-page-tools.unpin">sembunyikan</button> </div> <div id="p-cactions" class="vector-menu mw-portlet mw-portlet-cactions emptyPortlet vector-has-collapsible-items" title="Opsi lainnya" > <div class="vector-menu-heading"> Tindakan </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-more-view" class="selected vector-more-collapsible-item mw-list-item"><a href="/wiki/Giro"><span>Baca</span></a></li><li id="ca-more-ve-edit" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=Giro&veaction=edit" title="Sunting halaman ini [v]" accesskey="v"><span>Sunting</span></a></li><li id="ca-more-edit" class="collapsible vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=Giro&action=edit" title="Sunting kode sumber halaman ini [e]" accesskey="e"><span>Sunting sumber</span></a></li><li id="ca-more-history" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=Giro&action=history"><span>Lihat riwayat</span></a></li> </ul> </div> </div> <div id="p-tb" class="vector-menu mw-portlet mw-portlet-tb" > <div class="vector-menu-heading"> Umum </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="t-whatlinkshere" class="mw-list-item"><a href="/wiki/Istimewa:Pranala_balik/Giro" title="Daftar semua halaman wiki yang memiliki pranala ke halaman ini [j]" accesskey="j"><span>Pranala balik</span></a></li><li id="t-recentchangeslinked" class="mw-list-item"><a href="/wiki/Istimewa:Perubahan_terkait/Giro" rel="nofollow" title="Perubahan terbaru halaman-halaman yang memiliki pranala ke halaman ini [k]" accesskey="k"><span>Perubahan terkait</span></a></li><li id="t-permalink" class="mw-list-item"><a href="/w/index.php?title=Giro&oldid=25004445" title="Pranala permanen untuk revisi halaman ini"><span>Pranala permanen</span></a></li><li id="t-info" class="mw-list-item"><a href="/w/index.php?title=Giro&action=info" title="Informasi lanjut tentang halaman ini"><span>Informasi halaman</span></a></li><li id="t-cite" class="mw-list-item"><a href="/w/index.php?title=Istimewa:Kutip&page=Giro&id=25004445&wpFormIdentifier=titleform" title="Informasi tentang bagaimana mengutip halaman ini"><span>Kutip halaman ini</span></a></li><li id="t-urlshortener" class="mw-list-item"><a href="/w/index.php?title=Istimewa:UrlShortener&url=https%3A%2F%2Fid.wikipedia.org%2Fwiki%2FGiro"><span>Lihat URL pendek</span></a></li><li id="t-urlshortener-qrcode" class="mw-list-item"><a href="/w/index.php?title=Istimewa:QrCode&url=https%3A%2F%2Fid.wikipedia.org%2Fwiki%2FGiro"><span>Unduh kode QR</span></a></li> </ul> </div> </div> <div id="p-coll-print_export" class="vector-menu mw-portlet mw-portlet-coll-print_export" > <div class="vector-menu-heading"> Cetak/ekspor </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="coll-create_a_book" class="mw-list-item"><a href="/w/index.php?title=Istimewa:Buku&bookcmd=book_creator&referer=Giro"><span>Buat buku</span></a></li><li id="coll-download-as-rl" class="mw-list-item"><a href="/w/index.php?title=Istimewa:DownloadAsPdf&page=Giro&action=show-download-screen"><span>Unduh versi PDF</span></a></li><li id="t-print" class="mw-list-item"><a href="/w/index.php?title=Giro&printable=yes" title="Versi cetak halaman ini [p]" accesskey="p"><span>Versi cetak</span></a></li> </ul> </div> </div> <div id="p-wikibase-otherprojects" class="vector-menu mw-portlet mw-portlet-wikibase-otherprojects" > <div class="vector-menu-heading"> Dalam proyek lain </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="t-wikibase" class="wb-otherproject-link wb-otherproject-wikibase-dataitem mw-list-item"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q79375" title="Pranala untuk menghubungkan butir pada ruang penyimpanan data [g]" accesskey="g"><span>Butir di Wikidata</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> </div> </div> <div class="vector-column-end"> <div class="vector-sticky-pinned-container"> <nav class="vector-page-tools-landmark" aria-label="Peralatan halaman"> <div id="vector-page-tools-pinned-container" class="vector-pinned-container"> </div> </nav> <nav class="vector-appearance-landmark" aria-label="Tampilan"> <div id="vector-appearance-pinned-container" class="vector-pinned-container"> <div id="vector-appearance" class="vector-appearance vector-pinnable-element"> <div class="vector-pinnable-header vector-appearance-pinnable-header vector-pinnable-header-pinned" data-feature-name="appearance-pinned" data-pinnable-element-id="vector-appearance" data-pinned-container-id="vector-appearance-pinned-container" data-unpinned-container-id="vector-appearance-unpinned-container" > <div class="vector-pinnable-header-label">Tampilan</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-appearance.pin">pindah ke bilah sisi</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-appearance.unpin">sembunyikan</button> </div> </div> </div> </nav> </div> </div> <div id="bodyContent" class="vector-body" aria-labelledby="firstHeading" data-mw-ve-target-container> <div class="vector-body-before-content"> <div class="mw-indicators"> </div> <div id="siteSub" class="noprint">Dari Wikipedia bahasa Indonesia, ensiklopedia bebas</div> </div> <div id="contentSub"><div id="mw-content-subtitle"></div></div> <div id="mw-content-text" class="mw-body-content"><div class="mw-content-ltr mw-parser-output" lang="id" dir="ltr"><p><b>Giro</b> adalah suatu istilah <a href="/wiki/Perbankan" class="mw-redirect" title="Perbankan">perbankan</a> untuk suatu cara <a href="/wiki/Pembayaran" title="Pembayaran">pembayaran</a> yang hampir merupakan kebalikan dari sistem <a href="/wiki/Cek" title="Cek">cek</a>, berupa surat perintah untuk memindahbukukan sejumlah uang dari rekening seseorang kepada rekening lain yang ditunjuk surat tersebut. Suatu cek diberikan kepada pihak penerima pembayaran (<i>payee</i>) yang menyimpannya di <a href="/wiki/Bank" title="Bank">bank</a> mereka, sedangkan giro diberikan oleh pihak pembayar (<i>payer</i>) ke banknya, yang selanjutnya akan mentransfer dana kepada bank pihak penerima, langsung ke akun mereka.<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> </p><p>Perbedaan tersebut termasuk jenis perbedaan sistem 'dorong dan tarik' (<i>push and pull</i>). Suatu cek adalah transaksi 'tarik': menunjukkan cek akan menyebabkan bank penerima pembayaran mencari dana ke bank sang pembayar yang jika tersedia akan menarik uang tersebut. Jika tidak tersedia, cek akan "terpental" dan dikembalikan dengan pesan bahwa dana tak mencukupi. Sebaliknya, giro adalah transaksi 'dorong': pembayar memerintahkan banknya untuk mengambil dana dari akun yang ada dan mengirimkannya ke bank penerima pembayaran sehingga penerima pembayaran dapat mengambil uang tersebut. Karenanya, suatu giro tidak dapat "terpental", karena bank hanya akan memproses perintah jika pihak pembayar memiliki daya yang cukup untuk melakukan pembayaran tersebut. Namun ini juga berarti pihak pembayar tidak mendapatkan keuntungan dari "float". </p> <div class="mw-heading mw-heading2"><h2 id="Sejarah_dan_Konsepsi">Sejarah dan Konsepsi</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Giro&veaction=edit&section=1" title="Sunting bagian: Sejarah dan Konsepsi" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Giro&action=edit&section=1" title="Sunting kode sumber bagian: Sejarah dan Konsepsi"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Surat Giro atau <i>Postgiro</i> memiliki sejarah yang panjang dan membanggakan dalam sejarah finansial Eropa. Konsep dasar adalah sistem perbankan tidak berdasarkan cek, tetapi dengan transfer langsung di antara rekening. Jika kantor akuntan di <a href="/wiki/Sentralisasi" title="Sentralisasi">sentralisasi</a>, maka transfer di antara akun akan terjadi secara simultan. Uang bisa dibayarkan atau ditarik dari sistem dari kantor pos manapun, dan nantinya koneksi ke sistem perbankan komersial dibuat, seringnya dengan keyakinan dari bank lokal membuat akun sendiri di Postgiro. </p><p>Pada pertengahan <a href="/wiki/Abad_20" class="mw-redirect" title="Abad 20">abad 20</a>, kebanyakan negara di benua Eropa memiliki layanan pos giro. Sistem posgiro pertama ada di <a href="/wiki/Austria" title="Austria">Austria</a> di awal <a href="/wiki/Abad_19" class="mw-redirect" title="Abad 19">abad 19</a>. Pada saat Posgiro Inggris diadakan, Posgiro <a href="/wiki/Belanda" title="Belanda">Belanda</a> telah distabilkan dengan baik dengan setiap orang dewasa memiliki akun posgiro dengan operasi posgiro yang besar dan digunakan dengan baik di negara Eropa lain kebanyakan dan <a href="/wiki/Skandinavia" title="Skandinavia">Skandinavia</a>. </p><p>Istilah "<a href="/wiki/Bank" title="Bank">bank</a>" tidak digunakan pada saat itu juga untuk mendeskripsikan layanan tersebut. Instrumen pembayaran utama bank didasarkan dengan cek di mana memiliki perbedaan keseluruhan dengan model remiten "giro". </p><p>Dalam <i><b>model perbankan</b></i>, <b>cek</b> ditulis oleh remiten dan diserahkan atau dipos kepada pihak penerima pembayaran, yang nantinya akan mengunjungi bank atau pos ceknya ke bank. Cek tersebut harus <a href="/w/index.php?title=Clearing_(keuangan)&action=edit&redlink=1" class="new" title="Clearing (keuangan) (halaman belum tersedia)">di clearing</a>, proses kompleks di mana cek disortir menjadi satu, dipos ke lokasi pusat clearing, disortir lagi, dan dipos balik ke cabang pembayaran di mana cek tersebut akan dicek ulang terakhir kalinya dan akhirnya akan dibayarkan. </p><p>Dalam <i><b>model Pos Giro</b></i>, <b>Transfer Giro</b> dikirim melalui pos surat oleh remiter ke pusat Giro. Dalam pengembaliannya, transfer tersebut dicek dan akun transfer mengambil tempat. Jika transfer berjalan lancar, dokumen transfer dikirim ke penerima, bersama pernyataan pemutakhiran dari akun yang dikreditkan. Remitter juga dikirimkan pernyataan pemutakhiran. Pada kasus di mana fasilitas publik yang menerima ratusan trnasaksi per hari, pernyataan akan dikirim secara elektronik dan menggunakan angka rujukan yang unik untuk mengenali remiten untuk keperluan <a href="/wiki/Rekonsiliasi" class="mw-redirect" title="Rekonsiliasi">rekonsiliasi</a>. </p><p>Maraknya <a href="/w/index.php?title=Clearing_cek_elektronik&action=edit&redlink=1" class="new" title="Clearing cek elektronik (halaman belum tersedia)">clearing cek elektronik</a> (dan <a href="/wiki/Kartu_debit" title="Kartu debit">kartu debit</a> yang dirujuk sebagai alat pembayaran) membuat perbedaan ini menjadi tidak begitu penting seperti dulu. Contohnya di beberapa toko di <a href="/wiki/Amerika_Serikat" title="Amerika Serikat">Amerika Serikat</a> cek dipindai dan pendaftaran tunai dikembalikan ke pelanggan sementara dana diambil dari akun para pelanggan. </p> <div class="mw-heading mw-heading2"><h2 id="Lihat_pula">Lihat pula</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Giro&veaction=edit&section=2" title="Sunting bagian: Lihat pula" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Giro&action=edit&section=2" title="Sunting kode sumber bagian: Lihat pula"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a href="/wiki/Cek" title="Cek">Cek</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="Rujukan">Rujukan</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Giro&veaction=edit&section=3" title="Sunting bagian: Rujukan" class="mw-editsection-visualeditor"><span>sunting</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Giro&action=edit&section=3" title="Sunting kode sumber bagian: Rujukan"><span>sunting sumber</span></a><span class="mw-editsection-bracket">]</span></span></div> <ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text"><cite class="citation web"><a rel="nofollow" class="external text" href="https://accurate.id/ekonomi-keuangan/pengertian-bilyet-giro-lengkap/">"Pengertian Bilyet Giro, Sifat, Bentuk, Syarat, dan Proses Rekonsiliasinya"</a>. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20230321132104/https://accurate.id/ekonomi-keuangan/pengertian-bilyet-giro-lengkap/">Diarsipkan</a> dari versi asli tanggal 2023-03-21<span class="reference-accessdate">. Diakses tanggal <span class="nowrap">13 Oktober</span> 2020</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Pengertian+Bilyet+Giro%2C+Sifat%2C+Bentuk%2C+Syarat%2C+dan+Proses+Rekonsiliasinya&rft_id=https%3A%2F%2Faccurate.id%2Fekonomi-keuangan%2Fpengertian-bilyet-giro-lengkap%2F&rfr_id=info%3Asid%2Fid.wikipedia.org%3AGiro" class="Z3988"><span style="display:none;"> </span></span></span> </li> </ol>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?useformat=desktop&type=1x1&usesul3=0" alt="" width="1" height="1" style="border: none; position: absolute;"></noscript> <div class="printfooter" data-nosnippet="">Diperoleh dari "<a dir="ltr" href="https://id.wikipedia.org/w/index.php?title=Giro&oldid=25004445">https://id.wikipedia.org/w/index.php?title=Giro&oldid=25004445</a>"</div></div> <div id="catlinks" class="catlinks" data-mw="interface"><div id="mw-normal-catlinks" class="mw-normal-catlinks"><a href="/wiki/Istimewa:Daftar_kategori" title="Istimewa:Daftar kategori">Kategori</a>: <ul><li><a href="/wiki/Kategori:Sistem_pembayaran" title="Kategori:Sistem pembayaran">Sistem pembayaran</a></li><li><a href="/wiki/Kategori:Perbankan" title="Kategori:Perbankan">Perbankan</a></li></ul></div></div> </div> </main> </div> <div class="mw-footer-container"> <footer id="footer" class="mw-footer" > <ul id="footer-info"> <li id="footer-info-lastmod"> Halaman ini terakhir diubah pada 13 Desember 2023, pukul 10.47.</li> <li id="footer-info-copyright">Teks tersedia di bawah <a rel="nofollow" class="external text" href="https://creativecommons.org/licenses/by-sa/4.0/deed.en">Lisensi Atribusi-BerbagiSerupa Creative Commons</a>; ketentuan tambahan mungkin berlaku. 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