Learning a new language can open doors to different cultures and industries, including the financial and banking sector. If you’re interested in learning Indonesian or simply need to familiarize yourself with key financial terms in this language for business or travel, this article will provide you with a fundamental vocabulary list. Below are some of the must-know Indonesian financial and banking terms accompanied by their definitions and examples.

Bank
In Indonesian, the word for bank is “bank” itself. It refers to a financial institution that is authorized to receive deposits and provide loans.
Saya membuka rekening di bank setempat.

Uang
“Uang” is the Indonesian word for money. It encompasses coins, banknotes, or any other medium of exchange.
Kamu bisa membayar dengan uang tunai atau kartu kredit.

Tabungan
“Tabungan” means savings in Indonesian. It represents the money one has saved, especially through a bank or official scheme.
Saya mengecek saldo tabungan saya secara online.

Pinjaman
This term means loan, an amount of money that an individual borrows from a bank or financial institution, which is expected to be paid back with interest.
Mereka mengajukan pinjaman untuk membeli rumah.

Bunga
In finance, “Bunga” refers to interest. It is the cost of borrowing money or the payment made for the use of someone else’s money.
Bunga pinjaman tahun ini naik dibanding tahun lalu.

Rekening
The word “Rekening” stands for account. It can refer to various types of bank accounts like savings, checking, or loan accounts.
Silakan masukkan nomor rekening Anda.

Investasi
“Investasi” translates to investment. It’s the act of allocating resources, usually money, with the expectation of generating an income or profit.
Banyak perusahaan asing yang tertarik untuk melakukan investasi di Indonesia.

Giro
In Indonesian, “Giro” is known as a checking account or current account, allowing for frequent deposits and withdrawals.
Usaha kecil bisa menguntungkan dari fasilitas rekening giro.

Valuta asing
The term “Valuta asing” stands for foreign currency or foreign exchange. It refers to the money of other countries.
Bagaimana kurs valuta asing hari ini?

Laporan keuangan
“Laporan keuangan” means financial statement. These are records that provide an overview of a business’s financial condition.
Laporan keuangan tahunan akan disajikan dalam rapat mendatang.

Kredit
“Kredit” refers to credit. It can mean the ability of a customer to obtain goods or services before payment based on the trust that payment will be made in the future.
Toko ini memberikan kredit bagi pembeli dengan persyaratan tertentu.

Debet
“Debet” translates to debit, an entry recording an amount owed, listed on the left-hand side or column of an account.
Transaksi debet langsung memotong saldo dari rekening Anda.

Saldo
The word “Saldo” means balance in banking. It’s the amount of money available in an account.
Saldoku tidak cukup untuk melakukan transaksi ini.

Insolvensi
“Insolvensi” is the Indonesian term for insolvency, a state where an individual or organization can no longer meet its financial obligations to its lenders as debts become due.
Perusahaan itu menghadapi kebangkrutan karena insolvensi.

Having knowledge of these terms not only eases your transitions in financial situations but also enhances your overall capacity to engage with Indonesian speakers in a business context. Practice using these words in conversations, and you’ll find your financial Indonesian vocabulary expanding in no time. Selamat belajar! (Happy learning!)