Glossary entry

English term or phrase:

image return document (ird)

Indonesian translation:

IRD (dokumen pengganti cek tolakan)

Added to glossary by Agustinus
Jan 13, 2014 07:39
10 yrs ago
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English term

image return document (ird)

English to Indonesian Other Finance (general)
IRD - this document serves as a notice of dishonor and replaces the original check shown here for the purpose of representment for clearing, if applicable.

IRD is issued by Bank.

Thank you.

Proposed translations

+1
4 hrs
Selected

IRD (dokumen pengganti cek tolakan)


Di dalam konteks: IRD (dokumen pengganti cek tolakan) - dokumen ini berfungsi sebagai ....

Sepertinya IRD belum dikenal di perbankan Indonesia, sehingga tidak tercantum di glosarium Bank Indonesia. Kata image di sini mengacu ke teknologi pengolahan citra (imaging); cek asli (yang ditolak) sudah dipindai (scan) oleh bank sebelum dipakai, dan pindaiannya disertakan ke dalam IRD untuk membuktikan keaslian. Bank penerima IRD lalu bisa menganggap sah pembayaran oleh pemegang cek tolakan.

Penerjemahan bisa menggunakan pendekatan bentuk/wujud (mis. "dokumen citra cek tolakan") atau, yang lebih baik, pendekatan fungsi, seperti digunakan jawaban sebelum ini.

√ Fungsi IRD adalah menggantikan return check atau yang lebih dikenal di Indonesia sebagai cek tolakan (lihat referensi). Dengan demikian, pengganti adalah sebuah kata kunci.

REFERENSI ★★★★★★★
http://karyatulishukum.files.wordpress.com/2009/10/tesis-mon...
..
biaya bilyet giro atau cek tolakan (returned cheque fee),
biaya bunga (finance charge),
biaya penarikan uang tunai (cash advance fee),
....
Peer comment(s):

agree Ikram Mahyuddin
1 hr
Kata-kata mutiara dari Ambon u/ dukungan Ikram: Uru isai taka akana uru lepune ("Kepala satu tidak sama dengan kepala banyak" - Makin banyak yang ikut memikirkan, makin baik hasilnya)
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4 KudoZ points awarded for this answer. Comment: "thanks erich :)"
1 hr

nota [pengganti] penolakan cek

IRD berfungsi sebagai nota/pemberitahuan/keterangan resmi atas penolakan cek (notice of dishonor), yang dikirimkan sebagai pengganti sah dari cek fisik/asli (a substitute of a dishonoured cheque).

Rujukan:
What is an Image Return Document (IRD)?
An IRD serves as a notice of dishonor and the reason for its return.
...
It is a legally recognized document replacing the original physical cheque.
It can be re-presented to the bank.
It is more secure as alterations are not allowed.
https://www.maybank2u.com.my/mbb/m2u/public/faqList.do?chann...

An IRD is a legally accepted document that is a substitute of a dishonoured cheque. The IRD serves as a notice of dishonour and replaces the original physical cheque for the purpose of re-presentment for clearing under CTS.
http://www.uob.com.sg/personal/useful/cheque_truncation_syst...

Under CTS, when a cheque that you have deposited into your account is returned unpaid, you will receive an IRD instead of the cheque. The IRD serves as a notice of dishonour and replaces the original cheque for the purpose of re-presentment for clearing under CTS. It is a legally recognised replacement of the original cheque for re-presentment.
http://www.abs.org.sg/financial_faq_cheques.php

Maka, alternatif padanan: nota [pengganti] penolakan cek.
'pengganti' opsional jika 'nota penolakan cek' dinilai sudah menjelaskan makna yang dimaksud.
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