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Peran BI Pasca OJK

PERAN BANK INDONESIA PASCA TERBENTUKNYA OTORITAS JASA KEUANGAN

Oleh: Faqih Nabhan

Penah!l!an

Secara !"!" #ebi$a#an e#%n%"i seb!ah ne&ara a'a( iba&i "en$ai !a) *ai(!#ebi$a#an +is#al an #ebi$a#an "%ne(er, Kebi$a#an +is#al aalah #ebi$a#an !n(!# "en&a(!r

'eneri"aan) 'en&el!aran) #e#a*aan) h!(an& an 'i!(an& ne&ara, Kebi$a#an +is#al ila#!#an

%leh 'e"erin(ah) ala" hal ini #e"en(erian #e!an&an, Kebi$a#an "%ne(er aalah #ebi$a#an

!n(!# "en&a(!r !an& berear) nilai (!#ar) in+lasi an e+lasi, Kebi$a#an "%ne(er ila#!#an

%leh ban# sen(ral salah sa(!n*a en&an "enen(!#an (ina( s!#! b!n&a ac!an -BI ra(e. an

'enen(!an &ir% /a$ib "ini"!",

Berasar#an 'asal 0 UU n%,1 (ah!n 2334) Ban# In%nesia seba&ai ban# sen(ral ala"

rana "e"elihara #es(abilan r!'iah "e"ili#i (i&a (!&as *ai(! "ene(a'#an #ebi$a#an

"%ne(er) "en&a(!r an "en$a&a #elancaran sis(e" 'e"ba*aran an "en&a(!r an "en&a/asi

'erban#an, Pasca (erben(!#n*a O(%ri(as Jasa Ke!an&an -OJK. "a#a (!&as "en&a(!r an

"en&a/asi ban# a#an iserah#an #e'aa OJK,

Pen&a/asan Perban#an

Perban#an 'erl! ia/asi ala" rana !n(!# "enci'(a#an sis(e" 'erban#an *an&

seha(, Ciri5ciri sis(e" 'erban#an *an& seha( aalah 'er(a"a6 san&&!' "en$a&a #e'en(in&an

"as*ara#a(, 7al ini 'en(in& "en&in&a( besarn*a ana "as*ara#a( *an& (era#!"!lasi 'aa

'erban#an) sehin&&a &a&aln*a 'erban#an a#an bera"'a# (erhaa' #e'en(in&an "as*ara#a(

l!as, Ke!a) 'erban#an *an& "a"'! "en%r%n& 'er(!"b!han e#%n%"i an 'en&enalian

"%ne(er, Seba&ai le"ba&a in(er"eiasi) 'erban#an i(!n(!( "a"'! "en!#!n& 'er(!"b!han

e#%n%"i "as*ara#a(, Perban#an ber'eran "en*al!r#an ana "as*ara#a( ari 'iha# *an&

#elebihan ana #e'aa 'iha# *an& "e"b!(!h#an ana) !n(!# "en&&era##an e#%n%"i

"as*ara#a(, 8a$! in+lasi an a*a beli "as*ara#a( $!&a 'erl! i#enali#an) sehin&&a (ia#

"e"bebani "as*ara#a(, Ke(i&a) 'erban#an "a"'! "en&e"banan !sahan*a secara e+isien

an /a$ar, Tin&&in*a (ina( 'ersain&an a'a( "en*ebab#an in%9asi *an& (ia# /a$ar an

"e"!nc!l#an #e&ia(an 'erban#an *an& ber'%(ensi "er!&i#an "as*ara#a(, Oleh #arena i(!

'erban#an 'erl! i a(!r an ia/asi a&ar a'a( (erca'ai 'ra#(i# 'erban#an *an& bai#,

Sebel!" (erben(!# O(%ri(as Jasa Ke!an&an) 'erban#an ia(!r an ia/asi %leh Ban#

In%nesia seba&ai ban# sen(ral, Seanan le"ba&a #e!an&an lainn*a se'er(i Pasar "%al)

le"ba&a 'ensi!n) 'e&aaian an 'e"bia*aan ia(!r an ia/asi %leh BAPEPA58K -Baan

Pen&a/as Pasar %al an 8e"ba&a Ke!an&an., asin&5"asin& le"ba&a +%#!s 'aa

le"ba&a #e!an&an *an& i a/asi, A#an (e(a'i hal ini "en&an!n& #ele"ahan) #arena 'ra#(i#

le"ba&a #e!an&an se#aran& s!ah se"a#in #%"'le#, Te#n%l%&i in+%r"asi an in%9asi#e!an&an "en&hasil#an sis(e" #e!an&an *an& se"a#in r!"i() ina"is an salin& (erin(e&rasi

an(ar le"ba&a #e!an&an, De"i#ian '!la ari as'e# #e'e"ili#an) #%n&l%"erasi 'aa

le"ba&a #e!an&an "en*ebab#an #e(er#ai(an an(ar 'e"ili# an 'iha#5'iha# *an& "e"ili#i

#e'en(in&an #h!s!s 'aa le"ba&a #e!an&an,

Terben(!#n*a le"ba&a O(%ri(as Jasa Ke!an&an -OJK. bera/al ari #ein&inan !n(!#

"elin!n&i "as*ara#a( an e+isiensi le"ba&a #e!an&an, Krisis e#%n%"i ;

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(ia# aan*a (!#ar5"en!#ar in+%r"asi an #%%rinasi *an& bai# ian(ara le"ba&a 'en&a(!r

an 'en&a/as ini -BI an Ba'e'a"58K.,

8anasan 7!#!" OJK

8e"ba&a O(%ri(as Jasa Ke!an&an -OJK. iben(!# berasar#an UU n%"%r 2; (ah!n23;;) (en(an& O(%ri(as Jasa Ke!an&an -OJK., Berasar#an Bab I 'asal ;) OJK aalah

le"ba&a ine'enen *an& ber(!&as 'en&a(!ran) 'en&a/asan) 'e"eri#saan an 'en*ii#an,

Paa Bab III 'asal ?) iseb!(#an bah/a le"ba&a ini "en*elen&&ara#an sis(e" 'en&a(!ran

an 'enn&a/asan *an& (erin(e&rasi 'aa sel!r!h se#(%r $asa #e!an&an, Ter"as!# ala"

se#(%r $asa #e!an&an aalah 'erban#an) 'asar "%al) as!ransi) ana 'ensi!n) le"ba&a

'e"bia*aan an $asa #e!an&an lainn*a -Bab III 'asal @., O(%ri(as Jasa Ke!an&an +%#!s 'aa

'en&a(!ran "i#r% 'r!ensial) "eli'!(i #ele"ba&aan) #e&ia(an !saha an 'enilaian #eseha(an,

Berasar#an UU n%, ;2 (ah!n 23;; (en(an& OJK) +!n&si %(%ri(as $asa #e!an&an aalah)

'er(a"a) 'en&a(!ran an 'en&a/asan "en&enai #ele"ba&aan ban# *an& "eli'!(i 'eriinan

!n(!# 'enirian) 'e"b!#aan #an(%r) #e'en&!r!san) "er&er) a#!isisi an 'enca!(an iin !saha

ban#, Ke!a) 'en&a(!ran an 'en&a/asan "en&enai #eseha(an ban# *an& "eli'!(i li#!ii(as)ren(abili(as) s%l9abili(as) #!ali(as a#(i9a 'r%!#(i+) sis(e" in+%r"asi ebi(!r -SID.) 'en&!$ian

#rei( an s(anar a#!n(ansi ban#,Ke(i&a) 'en&a(!ran an 'en&a/asan "en&enai as'e#

#eha(i5ha(ian ban#, Dala" hal ini "eli'!(i as'e# "ana$e"en resi#% -ris# "ana&e"en(.)

(a(a#el%la ban# *an& bai# -&%% c%r'%ra(e &%9ernance.) 'rinsi'5'rinsi' "en&enal nasabah)

an(i "%ne* l%!nr* an 'ence&ahan 'e"bia*aan !n(!# #e&ia(an5#e&ia(an *an& ilaran&

ne&ara,

T!&as Ban# In%nesia

Pasca (erben(!#n*a O(%ri(as Jasa Ke!an&an) "a#a (!&as Ban# In%nesia aalah "en$a&a

s(abili(as "%ne(er an "en&a(!r sis(e" 'e"ba*aran, Selan$!(n*a !n(!# "ela#sana#an (!&as

"en$a&a s(abili(as "%ne(er an "en$a&a sis(e" 'e"ba*aran) "a#a Ban# In%nesia seba&ai

ban# sen(ral b!#an han*a "en&a/asi ban#) (e(a'i $!&a a'a( "en&a/asi 'asar "%al an

le"ba&a #e!an&an n%n ban#, 7al ini *an& sela"a ini (ia# 'ernah ila#!#an %leh Ban#

In%nesia, Ke&ia(an ini ber(!$!an !n(!# "e*a#in#an aa a(a! (ia#n*a resi#% (er&an&&!n*a

s(abili(as sis(e" #e!an&an,

Seba&ai ban# sen(ral) Ban# In%nesia $!&a ber'eran seba&ai lener %+ (he las( res%r(,

Dala" hal ini a'abila (era'a( ban# *an& "en&ala"i #es!li(an #e!an&an an "e"b!(!h#an

'in$a"an) "a#a Ban# In%nesia ber(!&as "e"beri#an ban(!an 'in$a"an ala" ben(!#

Fasili(as Pin$a"an Jana Pene# -FPJP., A#an (e(a'i se(elah 'en&a(!ran an 'en&a/asan

'erban#an ila#!#an %leh OJK "a#a *an& "en&e(ah!i an "en&!asai in+%r"asi #%nisi

'erban#an aalah OJK, Selan$!(n*a OJK a#an "ela'%r#an 'aa BI (en(an& #%nisi ban#*an& "e"erl!#an ban(!an, Ten(! sa$a BI (ia# a'a( secara ce'a( "e"!(!s#an !n(!#

"e"beri#an FPJP) a#an (e(a'i (erlebih ah!l! a#an "ela#!#an #%n+ir"asi an 'enin$a!an

!lan&, 7al ini ber'%(ensi #!ran& e+e#(i+n*a 'eran BI seba&ai lener %+ (he las( res%r(,

Seba&ai le"ba&a *an& ber(!&as "en$a&a sis(e" 'e"ba*aran an "en&a(!r #ebi$a#an

"%ne(er) "a#a Ban# In%nesia "en$a&a #es(abilan nilai r!'iah, Salah sa(! in(r!"en *an&

a'a( i&!na#an %leh BI aalah "enen(!#an (ina( s!#! b!n&a ac!an -BI Ra(e.) &ir% /a$ib

"ini"!") #e(en(!an e9isa an #e(en(!an #rei(,

Pela#sanaan 'en&a(!ran #ebi$a#an "%ne(er *an& i$alan#an %leh BI har!sn*a a'a(

be#er$a secara e+e#(i+, BI ra(e hena#n*a ires'%n secara lan&s!n& %leh #alan&an 'erban#an)

sehin&&a ber'en&ar!h (erhaa' "as*ara#a( #h!s!sn*a se#(%r riil, asalahn*a aalah sela"a

ini 'er&era#an BI ra(e (ia# ser(a "er(a ii#!(i %leh 'er&era#an b!n&a si"'anan an b!n&a#rei(, Ini (er$ai 'aa saa( BI "asih ber/enan& !n(!# "en&a(!r an "en&a/asi 'erban#an,

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7al *an& 'erl! i'+,erha(i#an aalah $an&an sa"'ai 'aa saa( +!n&si 'en&a(!ran an

'en&a/asan 'erban#an 'inah #e OJK) +!n&si ini "en$ai se"a#in (ia# e+e#(i+,

Kesi"'!lan

Bebera'a #esi"'!lan *an& a'a( i r!"!s#an aalah:

;,Pen&a/asan se#(%r 'erban#an) 'asar "%al an in!s(ri #e!an&an n%n ban# ila#sana#an%leh le"ba&a *an& sa"a *ai(! OJK, 7al ini ihara'#an "a"'! "e"'er"!ah e(e#si

"asalah *an& bisa (er$ai 'aa lin(as se#(%r in!s(ri le"ba&a #e!an&an,

2, e"'er"!ah #%%rinasi) #arena 'en&a/asan 'aa le"ba&a #e!an&an *an& "e"ili#i

ana# 'er!sahaan i se#(%r #e!an&an lain a#an "!ah !n(!# (er#%ns%liasi,

1, Perl! 'erha(ian ala" "en&e+e#(i+#an +!n&si s(abili(a(%r "%ne(er BI) 'aa saa( BI b!#an

la&i seba&ai re&!la(%r "i#r% 'r!ensial,

4, K%%rinasi OJK) BI) 8e"ba&a Pen$a"in Si"'anan ser(a Ke"en(erian #e!an&an san&a(

'en(in& ala" "en*elesai#an "asalah5"asalah #h!s!s,

?, asa (ransisi 'er'inahan ari BI an Ba'e'a"58K #e OJK aalah "asa *an& #r!sial)

sehin&&a 'erl! 'erha(ian #h!s!s,

@, A#hirn*a hara'an "as*ara#a( aalah se"%&a 'asca (erben(!# an be#er$an*a OJK sis(e"#e!an&an #i(a se"a#in "an(ab) (an&&!h "en&haa'i #risis in(ernal an e#s(ernal) #%ns!"en

(erlin!n&i) 'ere#%n%"ian ban&sa se"a#in #!a( an ra#*a( se$ah(era,

-Faqih;4>;2>23;2.

Di'%s#an ;4(h Dece"ber 23;2 %leh Faqih Nabhan

8abel: BIOJK

Pe"isahan An(ara Ban# In%nesia an O(%ri(as Jasa Ke!an&an

Terben(!#n*a O(%ri(as Jasa Ke!an&an -OJK. a#an "eni"b!l#an bebera'a 'er!bahan#e e'an) i an(aran*a aalah 'e"isahan an(ara 'en&a(!ran "a#r% an "i#r% i In%nesia,

Pen&a(!ran "a#r% a#an i'e&an& Ban# In%nesia -BI.) se"en(ara 'en&a(!ran "i#r% a#an

i'e&an& %leh OJK,

Dari aan*a 'e"isahan (er#ai( 'e"ben(!#an OJK ini) "a#a #a(a #!nci ala"

#es!#sesan sis(e" #e!an&an *an& aa aalah #%%rinasi an(ar5le"ba&a (erseb!(, Bila (ia#

aa #%%rinasi i an(ara #e!a le"ba&a (erseb!() "a#a OJK bisa i'as(i#an a#an &a&al,

en(eri K%%rina(%r Bian& Pere#%n%"ian 7a((a Ra$asa) #e'aa /ar(a/an) se!sai

"en&isi se"inar OJK) i 7%(el Ni##%) Ja#ar(a) Rab! ;0 Jan!ari 23;2) "en&a(a#an) se$a!h ini

aa se#i(ar 43 ari ne&ara i !nia *an& berhasil "e"isah#an +!n&si 'en&a/asan ari ban#

sen(raln*a, Na"!n) (ia# sei#i( '!la *an& &a&al ala" 'en&a(!ran 'e"isahan i(!) salah sa(!c%n(%hn*a aalah In&&ris, Ban*a# *an& &a&al #arena "e"an& #!ran&n*a a#ses in+%r"asi

an(ara ban# sen(ral an OJK) "a#a #%%rinasi aalah #a(a #!ncin*a) #a(a 7a((a,

Ia "ene&as#an) har!s aa #e(er#ai(an 'rinsi' OJK an ban# sen(ral !n(!# "enca'ai

#eberhasilan secara #esel!r!han ala" bian& 'ere#%n%"ian, en!r!(n*a) #ala! (ia# aa

#e(erh!b!n&an) "a#a ban# sen(ral bisa sa$a berhasil 'aa "%ne(ern*a) (a'i (ia# 'aa se#(%r

riiln*a,

Karena i(!) 7a((a "enilai) s(abili(as #e!an&an b!#anlah (ar&e( a#hir) (a'i s*ara(

'ra#%nisi ari OJK, T!$!an*a aalah ba&ai"ana sis(e" #e!an&an se(elah beririn*a OJK

bisa berin(e&rasi en&an *an& lainn*a) '!nas 7a((a,

https://plus.google.com/106776711327214104910http://faqihnabhan.blogspot.com/search/label/BIhttp://faqihnabhan.blogspot.com/search/label/OJKhttps://plus.google.com/106776711327214104910http://faqihnabhan.blogspot.com/search/label/BIhttp://faqihnabhan.blogspot.com/search/label/OJK

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G!bern!r Ban# In%nesia -BI. Dar"in Nas!(i%n $!&a "en&in&a(#an %(%ri(as $asa

#e!an&an -OJK. a&ar (ia# (er(i'! %leh #iner$a ban# *an& e+isien, Ban#5ban# *an& (ia#

e+isien) serinali (erliha( seha(5seha( sa$a,

Pen&ala"an en&an re#an 'en&a/as ban#) (i(i# 'erha(iann*a aalah (ina( #eseha(an ban#)

seanan e+isiensi 'erban#an b!#an "en$ai 'erha(ian !(a"a, Oleh #arena i(! bisa (er$ai)

'erban#an *an& #!ran& e+isien "alah seha(5seha( sa$a) !na' Dar"in saa( berbicara ala"

Se"inar Nasi%nal OJK Era Bar! Pen&a/asan Se#(%r Ke!an&an *an& Terin(e&rasi) Rab!

-22>;2>23;;. i Ja#ar(a,

A(as asar i(!) "en!r!( Dar"in) 'e"isahan +!n&si 'en&a/asan 'erban#an ari BI an

i&ab!nan en&an OJK har!s i'ersia'#an see(ail "!nin, Peralihan +!n&si "icr%

'r!en(ial -'en&a/asan ban# secara ini9i!al. #e OJK an "e"'er(ahan#an +!n&si "acr%

'r!en(ial i BI har!s ii#a( en&an h!b!n&an #%%rinasi *an& "a(an&,

Perl! iben(!# bersa"a "e(%e ber#%%rinasi an(ara OJK an BI) #arena an(ara 'en&a/asan

ban# en&an #ebi$a#an "%ne(er (ia# bisa i'isah#an en&an ba(as *an& $elas, Perl!

"e#anis"e #er$a sa"a *an& #e"!ian "e"!nin#an #e!a +a#(%r !(a"a (ai -e+isiensi an

#eseha(an ban#. bisa ber$alan bersa"a) 'a'arn*a,

Per 1; Dese"ber 23;1) +!n&si 'en&a/asan ban# ialih#an ari BI #e OJK, Se$a# saa( i(!) BI

han*a "en&el%la #ebi$a#an "%ne(er sa$a,

Keren(anan a#iba( (ia# seha(n*a ban# ini9i!al a#an bera"'a# "en*el!r!h 'aa in!s(ri

'erban#an, Paa a#hirn*a a#an "e"baha*a#an se#(%r #e!an&an, A#an bera"'a# sis(e"i#

$i#a ban# i(! (er#ai( en&an ban# lain) $elas Dar"in,h((':>>bisnis#e!an&an,#%"'as,c%">rea>23;;>;2>2;>;23=?@@?>Dar"in,Nas!(i%n,OJK,Jan&an,

Ter(i'!,Ban#

h((':>>///,in+%ban#ne/s,c%">23;2>3;>#%%rinasi5bi5an5%$#5#!nci5#es!#sesan5sis(e"5

#e!an&an>

h((':>>$arin&ne/s,c%">'%li(i#5'eris(i/a>!"!">0104>an/ar5nas!(i%n5bi5an5%$#5ba#al5serin&5

ce#c%#

Di'%s#an %leh raen +arai ;

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ala" (rainin& %+ (rainers Kia(5Kia( Pe"an!an an Is! Ter#ini en&enai Ban# In%nesia

*an& ila#sana#an 'aa ;; Febr!ari 23;4 sila") i !se!" BI, Pela(ihan ini ii#!(i %leh

se#i(ar 03 %ran& 'eser(a *an& berasal ari #%"!ni(as 'ecin(a an 'e"an! "!se!")

Ass%cia(i%n %+ (he In%nesian T%!r an Tra9el A&encies -ASITA.) "!se!" i se#i(ar K%(a

T!a Ja#ar(a an "!se!" lainn*a,

Pasca (erben(!#n*a OJK) (!&as BI seba&ai ban# sen(ral (ia# la&i "enca#!' (!&as

'en&a(!ran an 'en&a/asan 'erban#an, Ke e'an) BI a#an ber(!&as "en&a/al s(abili(as

"%ne(er) s(abili(as sis(e" 'e"ba*aran) an s(abili(as sis(e" #e!an&an) #a(a Dire#(!r

E#se#!(i+ De'ar(e"en Pen*elesaian Ase( BI , Haeni Ab%e A"in ala" sa"b!(ann*a,

Haeni "en&hara'#an) a&ar in+%r"asi "en&enai 'eran an +!n&si BI 'asca OJK a'a(

i(er!s#an #e'aa "as*ara#a( !"!", Il"! *an& i'er%leh ari 'ela(ihan ini #iran*a a'a(

i(!lar#an #e'aa 'e"an! lain an "as*ara#a( 'aa !"!"n*a seba&ai 'r%ses e!#asi *an&

ila#!#an #%"!ni(as "!se!") #a(a Haeni,

BERITA;

7air seba&ai 'e"a(eri) Raen A&a N!&raha ari P!sa( Rise( an Keban#sen(ralan BI an

'er/a#ilan OJK) Dire#(!r Pela*anan K%ns!"en OJK) S%nan& ar(ha Sa"%sir) an 7as(i

Aiani D/i'!(ran(i ari !se!" BI, Selain i(!) (!r!( "en&isi acara !n(!# sesi #ia(5#ia(

'e"an!an aalah I"an Kaaris"an) %sen 'ari/isa(a ari Uni9ersi(as In%nesia,

Raen A&a N!&raha "en&a(a#an) 9arian 'eran an (!&as ban# sen(ral i bebera'a ne&ara bisa

berbea, C%n(%hn*a Ban# Ne&ara ala*sia, Ban# sen(ral ala*sia ini ber(!&as seba&ai

%(%ri(as "%ne(er se#ali&!s 'en&a(!r ban# an sis(e" 'e"ba*aran, Aa'!n ban# sen(ral

Je'an& Ban# %+ Ja'an) se'er(i haln*a ban# sen(ral i In%nesia) (ia# la&i "en&a/asi an

"en&a(!r ban#,

A&a "elan$!(#an bah/a "es#i'!n (!&as 'en&a/asan 'erban#an ia"bil alih OJK) 'eran an

"an+aa( BI i "as*ara#a( (ia#lah ber#!ran&, T!&as BI (ia# la&i "en&a/asi ini9i!al

ban#, Na"!n e"i#ian) as'e# "a#r%'r!ensial (e(a' beraa i BI *a#ni 'en&a/asan

(erhaa' risi#% sis(e"i# 'aa s(abili(as sis(e" #e!an&an) #a(an*a, S(abili(as sis(e" #e!an&an

aalah s!a(! #%nisi *an& "e"!nin#an sis(e" #e!an&an nasi%nal be#er$a secara e+e#(i+

an e+isien ser(a "a"'! ber(ahan (erhaa' &e$%la# in(ernal an e#s(ernal,

Pe"bicara lainn*a) Dire#(!r 8a*anan K%ns!"en OJK S%nan& ar(ha Sa"%sir "en$elas#an)

ses!ai a"ana( UU N% 2; (ah!n 23;; (en(an& OJK) OJK "ela#sana#an +!n&si) (!&as an

#e/enan&an i se$!"lah bian&) se'er(i 'en&a(!ran) 'en&a/asan) 'e"eri#saan) 'en*ii#anan 'erlin!n&an #%ns!"en 'aa se#(%r $asa #e!an&an 'erban#an) 'asar "%al ser(a in!s(ri

#e!an&an n%n ban#, Ter#ai( (!&as 'erlin!n&an #%ns!"en) S%nan& "e"'er#enal#an

8a*anan K%ns!"en OJK en&an n%"%r (ele'%n ?33 5@??, 8a*anan ini ber(!$!an !n(!#

"enina(#an 'ela*anan #e'aa "as*ara#a( (erhaa' se(ia' 'en&a!an an 'er(an*aan

"en&enai $asa #e!an&an) #a(a S%nan&,

D%sen 'ari/isa(a I"an Kaaris"an "en*a(a#an a'resiasin*a (erhaa' 'ela(ihan *an&

iselen&&ara#an %leh !se!" BI, en!r!( I"an *an& $!&a ber'r%+esi seba&ai 'e"an! ini)

salah sa(! #%"'e(ensi 'e"an! aalah "en&e"banan an "e"!(a#hir#an 'en&e(ah!an,

Oleh sebab i(!) #a(a I"an) 'en&e(ah!an "en&enai (!&as an +!n&si BI 'asca OJK "er!'a#an

'en&e(ah!an *an& rele9an en&an 'ela#sanaan (!&as 'e"an!, Kese"'a(an se'er(i ini har!s

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i"an+aa(#an %leh 'ara 'e"an! !n(!# "en&!'a(e 'en&e(ah!an an "en*a"'ai#ann*a

#e'aa 'en&!n$!n& "!se!") #a(a I"an,

Dis#!si an (an*a $a/ab "enari# "e/arnai sel!r!h acara #h!s!sn*a (er#ai( (!&as BI an

'erlin!n&an nasabah !n(!# OJK) hin&&a #ia(5#ia( "en&haa'i 'en&!n$!n& *an& #!ran&(er(ib, Acara ia#hiri en&an 'ra#(e# $ela$ah !se!" BI *an& ii#!(i %leh sel!r!h 'eser(a,

Sesi ini berlan&s!n& "enari# #arena 'eser(a benar5benar "e"'er%leh c%n(%h 'ra#(i#

ba&ai"ana 'e"an!an *an& bai#,

Peser(a iba&i #e ala" !a #el%"'%# en&an 'e"an! 9%l!n(eer ari 'eser(a, Di se(ia'

r!an&an se(elah 'e"an! "en$elas#an) ins(r!#(!r I"an lan&s!n& "e"beri#an +eebac#,

Dis#!si berlan&s!n& ser! #arena "asin&5"asin& 'eser(a ban*a# "en&a$!#an 'er(an*aan

berasar#an 'en&ala"an, Ta# (erasa hari s!ah se"a#in s%re) sesi 'ra#(e# har!s ia#hiri,

7ari i(!) 'ara 'e"an! an #%"!ni(as "!se!" '!lan& en&an "e"ba/a 'en&e(ah!an bar!

"en&enai (!&as an 'eran BI an 'en*e&aran in+%r"asi "en&enai #ia(5#ia( 'e"an!an

"!se!",

Ta&s:

OJK

O(%ri(as Jasa Ke!an&an -OJK. iben(!# en&an (!$!an a&ar #esel!r!han #e&ia(an i ala"

se#(%r $asa #e!an&an:

;, Terselen&&ara secara (era(!r) ail) (rans'aran) an a#!n(abel)

2, a"'! "e/!$!#an sis(e" #e!an&an *an& (!"b!h secara ber#elan$!(an an s(abil)

an

1, a"'! "elin!n&i #e'en(in&an #%ns!"en an "as*ara#a(,

FUNGSI

O(%ri(as Jasa Ke!an&an -OJK. "e"'!n*ai +!n&si "en*elen&&ara#an sis(e" 'en&a(!ran an

'en&a/asan *an& (erin(e&rasi (erhaa' #esel!r!han #e&ia(an i se#(%r $asa #e!an&an,

TUGASO(%ri(as Jasa Ke!an&an -OJK. "e"'!n*ai (!&as "ela#!#an 'en&a(!ran an 'en&a/asan

(erhaa' #e&ia(an $asa #e!an&an i se#(%r Perban#an) se#(%r Pasar %al) an se#(%r IKNB,

Otoritas Jasa Keuangan

Dari i#i'eia bahasa In%nesia) ensi#l%'eia bebas

Bel!" Di'eri#sa

O(%ri(as Jasa Ke!an&an

http://id.wikipedia.org/wiki/Bantuan:Validasi_halamanhttp://id.wikipedia.org/wiki/Bantuan:Validasi_halaman

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Sina(an OJK

Ke'ala !lia"an Dar"ans*ah 7aa)

Ph,D,

Dasar h!#!" Unan&5Unan& N%"%r 2;

Tah!n 23;;

Ala"a( #an(%r

'!sa(

Jl, Jen Ga(%( S!br%(% Ka9 =;5

=1) Ja#ar(a

Si(!s /eb

%$#,&%,i

8

B

S

O(%ri(as Jasa Ke!an&an aalahle"ba&a ne&ara*an& iben(!# berasar#an UU n%"%r 2;

(ah!n 23;; *an& ber+!n&si "en*elen&&ara#an sis(e" 'en&a(!ran an 'en&a/asan *an&

(erin(e&rasi (erhaa' #esel!r!han #e&ia(an i ala" se#(%r $asa #e!an&an, O(%ri(as Jasa

Ke!an&an) *an& selan$!(n*a isina( OJK) aalah le"ba&a *an& ine'enen an bebas ari

ca"'!r (an&an 'iha# lain) *an& "e"'!n*ai +!n&si) (!&as) an /e/enan& 'en&a(!ran)

'en&a/asan) 'e"eri#saan) an 'en*ii#an, OJK iiri#an !n(!# "en&&an(i#an

'eran Ba'e'a"58K,

Da+(ar isi

se"b!n*i#an

; T!$!an

2 T!&as an e/enan&

http://id.wikipedia.org/wiki/Muliaman_Darmansyah_Hadadhttp://www.ojk.go.id/http://id.wikipedia.org/wiki/Templat:Infobox_lembaga_nonstruktural_Indonesiahttp://id.wikipedia.org/wiki/Pembicaraan_Templat:Infobox_lembaga_nonstruktural_Indonesiahttp://id.wikipedia.org/w/index.php?title=Templat:Infobox_lembaga_nonstruktural_Indonesia&action=edithttp://id.wikipedia.org/wiki/Lembaga_negarahttp://id.wikipedia.org/wiki/Lembaga_negarahttp://id.wikipedia.org/wiki/Lembaga_negarahttp://id.wikipedia.org/wiki/Badan_Pengawas_Pasar_Modal_dan_Lembaga_Keuanganhttp://id.wikipedia.org/wiki/Otoritas_Jasa_Keuanganhttp://id.wikipedia.org/wiki/Otoritas_Jasa_Keuangan#Tujuanhttp://id.wikipedia.org/wiki/Otoritas_Jasa_Keuangan#Tugas_dan_Wewenanghttp://id.wikipedia.org/wiki/Muliaman_Darmansyah_Hadadhttp://www.ojk.go.id/http://id.wikipedia.org/wiki/Templat:Infobox_lembaga_nonstruktural_Indonesiahttp://id.wikipedia.org/wiki/Pembicaraan_Templat:Infobox_lembaga_nonstruktural_Indonesiahttp://id.wikipedia.org/w/index.php?title=Templat:Infobox_lembaga_nonstruktural_Indonesia&action=edithttp://id.wikipedia.org/wiki/Lembaga_negarahttp://id.wikipedia.org/wiki/Badan_Pengawas_Pasar_Modal_dan_Lembaga_Keuanganhttp://id.wikipedia.org/wiki/Otoritas_Jasa_Keuanganhttp://id.wikipedia.org/wiki/Otoritas_Jasa_Keuangan#Tujuanhttp://id.wikipedia.org/wiki/Otoritas_Jasa_Keuangan#Tugas_dan_Wewenang

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1 De/an K%"isi%ner

4 Pranala 8!ar

T!$!ans!n(in&L s!n(in& s!"ber

OJK iben(!# en&an (!$!an a&ar #esel!r!han #e&ia(an i ala" se#(%r $asa #e!an&an:

;, (erselen&&ara secara (era(!r) ail) (rans'aran) an a#!n(abel6

2, "a"'! "e/!$!#an sis(e" #e!an&an *an& (!"b!h secara ber#elan$!(an an s(abil6

an

1, "a"'! "elin!n&i #e'en(in&an #%ns!"en an "as*ara#a(,

T!&as an e/enan&s!n(in&L s!n(in& s!"ber

OJK "ela#sana#an (!&as 'en&a(!ran an 'en&a/asan (erhaa':

;, #e&ia(an $asa #e!an&an i se#(%r 'erban#an6

2, #e&ia(an $asa #e!an&an i se#(%r 'asar "%al6 an

1, #e&ia(an $asa #e!an&an i se#(%r 'eras!ransian) ana 'ensi!n) le"ba&a 'e"bia*aan)

an le"ba&a $asa #e!an&an lainn*a,

Un(!# "ela#sana#an (!&as 'en&a(!ran) OJK "e"'!n*ai /e/enan&:

;, "ene(a'#an 'era(!ran 'ela#sanaan Unan&5Unan& ini6

2, "ene(a'#an 'era(!ran 'er!nan&5!nan&an i se#(%r $asa #e!an&an6

1, "ene(a'#an 'era(!ran an #e'!(!san OJK6

4, "ene(a'#an 'era(!ran "en&enai 'en&a/asan i se#(%r $asa #e!an&an6

?, "ene(a'#an #ebi$a#an "en&enai 'ela#sanaan (!&as OJK6

@, "ene(a'#an 'era(!ran "en&enai (a(a cara 'ene(a'an 'erin(ah (er(!lis (erhaa'

8e"ba&a Jasa Ke!an&an an 'iha# (er(en(!6

=, "ene(a'#an 'era(!ran "en&enai (a(a cara 'ene(a'an 'en&el%la s(a(!(er 'aa 8e"ba&a

Jasa Ke!an&an6

http://id.wikipedia.org/wiki/Otoritas_Jasa_Keuangan#Dewan_Komisionerhttp://id.wikipedia.org/wiki/Otoritas_Jasa_Keuangan#Pranala_Luarhttp://id.wikipedia.org/w/index.php?title=Otoritas_Jasa_Keuangan&veaction=edit&section=1http://id.wikipedia.org/w/index.php?title=Otoritas_Jasa_Keuangan&action=edit&section=1http://id.wikipedia.org/w/index.php?title=Otoritas_Jasa_Keuangan&veaction=edit&section=2http://id.wikipedia.org/w/index.php?title=Otoritas_Jasa_Keuangan&action=edit&section=2http://id.wikipedia.org/wiki/Otoritas_Jasa_Keuangan#Dewan_Komisionerhttp://id.wikipedia.org/wiki/Otoritas_Jasa_Keuangan#Pranala_Luarhttp://id.wikipedia.org/w/index.php?title=Otoritas_Jasa_Keuangan&veaction=edit&section=1http://id.wikipedia.org/w/index.php?title=Otoritas_Jasa_Keuangan&action=edit&section=1http://id.wikipedia.org/w/index.php?title=Otoritas_Jasa_Keuangan&veaction=edit&section=2http://id.wikipedia.org/w/index.php?title=Otoritas_Jasa_Keuangan&action=edit&section=2

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0, "ene(a'#an s(r!#(!r %r&anisasi an in+ras(r!#(!r) ser(a "en&el%la) "e"elihara) an

"ena(a!saha#an #e#a*aan an #e/a$iban6 an

a(a! 'iha# (er(en(!6

?, "ela#!#an 'en!n$!#an 'en&el%la s(a(!(er6

@, "ene(a'#an 'en&&!naan 'en&el%la s(a(!(er6

=, "ene(a'#an san#si a"inis(ra(i+ (erhaa' 'iha# *an& "ela#!#an 'elan&&aran

(erhaa' 'era(!ran 'er!nan&5!nan&an i se#(%r $asa #e!an&an6 an

0, "e"beri#an an>a(a! "encab!(:

;, iin !saha6

2, iin %ran& 'erse%ran&an6

1, e+e#(i+n*a 'ern*a(aan 'ena+(aran6

4, s!ra( (ana (era+(ar6

?, 'erse(!$!an "ela#!#an #e&ia(an !saha6

@, 'en&esahan6

=, 'erse(!$!an a(a! 'ene(a'an 'e"b!baran6 an

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0, 'ene(a'an lain) seba&ai"ana i"a#s! ala" 'era(!ran 'er!nan&5!nan&an

i se#(%r $asa #e!an&an,

De/an K%"isi%ners!n(in&Ls!n(in& s!"ber

De/an K%"isi%ner aalah 'i"'inan (er(in&&i OJK *an& bersi+a( #%le#(i+ an #%le&ial,

De/an K%"isi%ner beran&&%(a#an < -se"bilan. %ran& an&&%(a *an& i(e(a'#an en&an

Ke'!(!san Presien,

S!s!nan De/an K%"isi%ner (eriri a(as:

;, se%ran& Ke(!a "erana' an&&%(a6

2, se%ran& a#il Ke(!a seba&ai Ke(!a K%"i(e E(i# "erana' an&&%(a6

1, se%ran& Ke'ala E#se#!(i+ Pen&a/as Perban#an"erana' an&&%(a6

4, se%ran& Ke'ala E#se#!(i+ Pen&a/as Pasar %al"erana' an&&%(a6

?, se%ran& Ke'ala E#se#!(i+ Pen&a/as Peras!ransian) Dana Pensi!n)8e"ba&a

Pe"bia*aan) an 8e"ba&a Jasa Ke!an&an 8ainn*a "erana' an&&%(a6

@, se%ran& Ke(!a De/an A!i( "erana' an&&%(a6

=, se%ran& an&&%(a *an& "e"bian&i e!#asi an 'erlin!n&an K%ns!"en6

0, se%ran& an&&%(a EM5%++ici%ari Ban# In%nesia*an& "er!'a#an an&&%(a De/an

G!bern!r Ban# In%nesia6 an

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8e"ba&a a(a! 'er!sahaan $asa #e!an&an (erseb!( aalah:

;, 8e"ba&a a(a! Per!sahaan Pen$a"inan Krei(

Per!sahaan Pen$a"inan Krei( aalah baan h!#!" *an& ber&era# i bian& #e!an&an

en&an #e&ia(an !saha '%#%#n*a "ela#!#an 'en$a"inan #rei(,

Pe"ben(!#an 8e"ba&a a(a! Per!sahaan Pen$a"inan Krei( i"a#s!#an !n(!#

"e"ban(! Usaha i#r%) Kecil) an enen&ah -UK. ala" rana "en&a#ses

'enanaan ari 'erban#an an le"ba&a #e!an&an lainn*a,

2, Per!sahaan Pen$a"inan In+ras(r!#(!r

Per!sahaan Pen$a"inan In+ras(r!#(!r aalah 'erser% *an& iiri#an !n(!# (!$!an

"e"beri#an 'en$a"inan 'aa 'r%*e# #er$a sa"a 'e"erin(ah) baan !saha i bian&

in+ras(r!#(!r en&an cara 'en*eiaan 'en$a"inan in+ras(r!#(!r,

1, 8e"ba&a Pe"bia*aan E#s'%r In%nesia

8e"ba&a Pe"bia*aan E#s'%r In%nesia -8PEI. aalah le"ba&a *an& secara #h!s!s

iben(!# !n(!# "en!#!n& #ebi$a#an 'e"erin(ah ala" rana "en%r%n& 'r%&ra"

e#s'%r nasi%nal, Pe"ben(!#an 8PEI ini berasar#an Unan&5Unan& N%"%r 2 Tah!n

233< Ten(an& 8e"ba&a Pe"bia*aan E#s'%r In%nesia,

4, Per!sahaan Pe"bia*aan Se#!ner Per!"ahan

Per!sahaan Pe"bia*aan Se#!ner Per!"ahan aalah le"ba&a a(a! 'er!sahaan *an&

iben(!# en&an (!&as "en*eia#an +asili(as 'e"bia*aan 'er!"ahan ala" rana

"enina(#an #a'asi(as an #esina"b!n&an 'e"bia*aan 'er!"ahan *an& (er$ana!

%leh "as*ara#a(,

Saa( ini) PT Sarana !l(i&ri*a Finansial -Perser%.) a(a! biasan*a isina( PT SF

-Perser%. aalah sa(!5sa(!n*a Per!sahaan Pe"bia*aan Se#!ner Per!"ahan *an&

iiri#an i In%nesia,

?, Per!sahaan Pe&aaian

Per!sahaan Pe&aaian aalah 'er!sahaan *an& iiri#an en&an "a#s! !n(!#

"e"ban(! 'r%&ra" 'e"erin(ah ala" rana "enina(#an #ese$ah(eraan ra#*a()

#h!s!sn*a &%l%n&an "enen&ah #e ba/ah "elal!i 'en*al!ran 'in$a"an #e'aa !saha

s#ala "i#r%) #ecil) an "enen&ah a(as asar h!#!" &aai an +i!sia,

@, Baan Pen*elen&&ara Ja"inan S%sial

Baan Pen*elen&&ara Ja"inan S%sial -BPJS. aalah le"ba&a *an& iiri#an en&an

(!&as an +!n&si "en*elen&&ara#an 'r%&ra" Ja"inan Keseha(an) Ja"inan Kecela#aan

Ker$a) Ja"inan Ke"a(ian) Ja"inan 7ari T!a) an Ja"inan Pensi!n,

BPJS iben(!# ses!ai Unan&5Unan& N%"%r 24 Tah!n 23;; Ten(an& Baan

Pen*elen&&ara Ja"inan S%sial

=, 8e"ba&a Ke!an&an i#r%8e"ba&a Ke!an&an i#r% -8K. aalah le"ba&a #e!an&an *an& secara #h!s!s

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iiri#an en&an "a#s! !n(!# "e"beri#an $asa 'en&e"ban&an !saha an

'e"bera*aan e#%n%"i "as*ara#a() bai# "elal!i 'in$a"an a(a! 'e"bia*aan ala" !saha

s#ala "i#r% #e'aa an&&%(an*a an "as*ara#a() 'en&el%laan si"'anan) "a!'!n

'e"berian $asa #%ns!l(asi 'en&e"ban&an !saha *an& (ia# se"a(a5"a(a "encari

#e!n(!n&an,

Pen&a(!ran an Pen&a/asan Ban#

T!$!an an Ke/ena&an

Sis(e" Pen&a/asan Ban#

Sis(e" In+%r"asi Perban#an

TUJUAN PENGATURAN DAN PENGAWASAN BANK

Pen&a(!ran an 'en&a/asan ban# iarah#an !n(!# "en&%'(i"al#an +!n&si 'erban#an

In%nesia seba&ai:

;, 8e"ba&a #e'erca*aan "as*ara#a( ala" #ai(ann*a seba&ai le"ba&a 'en&hi"'!n an

'en*al!r ana

2, Pela#sana #ebi$a#an "%ne(er6

1, 8e"ba&a *an& i#!( ber'eran ala" "e"ban(! 'er(!"b!han e#%n%"i ser(a'e"era(aan6 a&ar (erci'(a sis(e" 'erban#an *an& seha()bai# sis(e" 'erban#an secara

"en*el!r!h "a!'!n ini9i!al) an "a"'! "e"elihara #e'en(in&an "as*ara#a( en&an

bai#) ber#e"ban& secara /a$ar an ber"an+aa( ba&i 'ere#%n%"ian nasi%nal,

Un(!# "enca'ai (!$!an (erseb!( 'ene#a(an *an& ila#!#an en&an "enera'#an:

;, Kebi$a#an "e"beri#an #elel!asaan ber!saha -ere&!lasi.6

2, Kebi$a#an 'rinsi' #eha(i5ha(ian ban# -'r!en(ial ban#in&.6 an

1, Pen&a/asan ban# *an& "en%r%n& ban# !n(!# "ela#sana#an secara #%nsis(en

#e(en(!an in(ern *an& ib!a( seniri -sel+ re&!la(%r* ban#in&. ala" "ela#sana#an

#e&ia(an %'erasi%naln*a en&an (e(a' "en&ac! #e'aa 'rinsi' #eha(i5ha(ian,

:: Ke/enan&an Pen&a(!ran an Pen&a/asan Ban#

;, Pen&a(!ran an 'en&a/asan ban# %leh BI "eli'!(i /e/enan& seba&ai beri#!(:

2, Ke/enan&an "e"beri#an iin(right to license),*ai(! #e/enan&an !n(!# "ene(a'#an

(a(acara 'eriinan an 'enirian s!a(! ban#, Ca#!'an 'e"berian iin %leh BI "eli'!(i

'e"berian iin an 'encab!(an iin !saha ban#) 'e"berian iin 'e"b!#aan) 'en!(!'an

http://www.ojk.go.id/pengaturan-pengawasan-bank#tabAhttp://www.ojk.go.id/pengaturan-pengawasan-bank#tabBhttp://www.ojk.go.id/pengaturan-pengawasan-bank#tabChttp://www.ojk.go.id/pengaturan-pengawasan-bank#tabAhttp://www.ojk.go.id/pengaturan-pengawasan-bank#tabBhttp://www.ojk.go.id/pengaturan-pengawasan-bank#tabC

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an 'e"inahan #an(%r ban#) 'e"berian 'erse(!$!an a(as #e'e"ili#an an #e'en&!r!san

ban#) 'e"berian iin #e'aa ban# !n(!# "en$alan#an #e&ia(an5#e&ia(an !saha (er(en(!,

1, Ke/enan&an !n(!# "en&a(!r(right to regulate),*ai(! #e/enan&an !n(!# "ene(a'#an

#e(en(!an *an& "en*an!( as'e# !saha an #e&ia(an 'erban#an ala" rana

"enci'(a#an 'erban#an seha( *an& "a"'! "e"en!hi $asa 'erban#an *an& iin&in#an

"as*ara#a(,

4, Ke/enan&an !n(!# "en&a/asi (right to control),*ai(! #e/enan&an "ela#!#an

'en&a/asan ban# "elal!i 'en&a/asan lan&s!n& -%n5si(e s!'er9isi%n. an 'en&a/asan

(ia# lan&s!n& -%++5si(e s!'er9isi%n., Pen&a/asan lan&s!n& a'a( ber!'a 'e"eri#saan

!"!" an 'e"eri#saan #h!s!s)*an& ber(!$!an !n(!# "ena'a(#an &a"baran (en(an&

#eaaan #e!an&an ban# an !n(!# "e"an(a! (ina( #e'a(!han ban# (erhaa' 'era(!ran

*an& berla#! ser(a !n(!# "en&e(ah!i a'a#ah (era'a( 'ra#(i#5'ra#(i# *an& (ia# seha(

*an& "e"baha*a#an #elan&s!n&an !saha ban#, Pen&a/asan (ia# lan&s!n& *ai(!

'en&a/asan "elal!i ala( 'e"an(a!an se'er(i la'%ran ber#ala *an& isa"'ai#an

ban#)la'%ran hasil 'e"eri#saan an in+%r"asi lainn*a, Dala" 'ela#sanaann*a) a'abila

i'erl!#an BI a'a( "ela#!#an 'e"eri#saan (erhaa' ban# (er"as!# 'iha# lain *an&

"eli'!(i 'er!sahaan in!#) 'er!sahaan ana#) 'iha# (er#ai() 'iha# (era+iliasi an ebi(!r

ban#, BI a'a( "en!&asi 'iha# lain !n(!# an a(as na"a BI "ela#sana#an (!&as

'e"eri#saan,

?, Ke/enan&an !n(!# "en&ena#an san#si(right to i!ose sanction)) *ai(! #e/enan&an

!n(!# "en$a(!h#an san#si ses!ai en&an #e(en(!an 'er!nan&5!nan&an (erhaa' ban#

a'abila s!a(! ban# #!ran& a(a! (ia# "e"en!hi #e(en(!an, Tina#an ini "en&an!n&

!ns!r 'e"binaan a&ar ban# ber%'erasi ses!ai en&an asas 'erban#an *an& seha(,

S"STE# PENGAWASAN BANK $%E& BANK "ND$NES"A

Dala" "en$alan#an (!&as 'en&a/asan ban#) saa( ini BI "ela#sana#an sis(e"

'en&a/asann*a en&an "en&&!na#an 2 'ene#a(an *a#ni 'en&a/asan berasar#an

#e'a(!han -c%"'liance base s!'er9isi%n. an 'en&a/asan berasar#an risi#% -ris# base

s!'er9isi%n>RBS., Den&an aan*a 'ene#a(an RBS (erseb!() b!#an berar(i

"en&esa"'inan 'ene#a(an berasar#an #e'a(!han) na"!n "er!'a#an !'a*a !n(!#

"en*e"'!rna#an sis(e" 'en&a/asan sehin&&a a'a( "enina(#an e+e#(i9i(as an e+isiensi

'en&a/asan 'erban#an, Secara ber(aha') 'ene#a(an 'en&a/asan *an& i(era'#an %leh BI

a#an beralih "en$ai se'en!hn*a 'en&a/asan berasar#an risi#%,

;, Pen&a/asan Berasar#an Ke'a(!han -C%"'liance Base S!'er9isi%n.

Pene#a(an 'en&a/asan berasar#an #e'a(!han 'aa asarn*a "ene#an#an 'e"an(a!an

#e'a(!han ban# !n(!# "ela#sana#an #e(en(!an #e(en(!an *an& (er#ai( en&an %'erasi an

'en&el%laan ban#, Pene#a(an ini "en&ac! 'aa #%nisi ban# i "asa lal! en&an (!$!an

!n(!# "e"as(i#an bah/a ban# (elah ber%'erasi an i#el%la secara bai# an benar

"en!r!( 'rinsi'5'rinsi' #eha(i5ha(ian,

2, Pen&a/asan Berasar#an Risi#% -Ris# Base S!'er9isi%n.

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Pene#a(an 'en&a/asan berasar#an risi#% "er!'a#an 'ene#a(an 'en&a/asan *an&

ber%rien(asi #e e'an -+%r/ar l%%#in&., Den&an "en&&!na#an 'ene#a(an (erseb!(

'en&a/asan>'e"eri#saan s!a(! ban# i+%#!s#an 'aa risi#%5risi#% *an& "ele#a(

-inheren( ris#.'aa a#(i9i(as +!n&si%nal ban# ser(a sis(e" 'en&enalian risi#% -ris#

c%n(r%l s*s(e"., elal!i 'ene#a(an ini a#an lebih "e"!nin#an %(%ri(as 'en&a/asan

ban# !n(!# 'r%a#(i+ ala" "ela#!#an 'ence&ahan (erhaa' 'er"asalahan *an& '%(ensial

(i"b!l i ban#, Pene#a(an 'en&a/asan berasar#an risi#% "e"ili#i si#l!s 'en&a/asan

seba&ai beri#!( :

Jenis5Jenis Risi#% Ban# :

Risi#% Krei( : Risi#% *an& (i"b!l seba&ai a#iba( #e&a&alan c%!n(er'ar(* "e"en!hi#e/a$ibann*a,

Risi#% Pasar : Risi#% *an& (i"b!l #arena aan*a 'er&era#an 9ariabel 'asar -a9erse

"%9e"en(. ari '%r(%+%li% *an& i"ili#i %leh Ban#)*an& a'a( "er!&i#an Ban#, ariabel

'asar an(ara lain aalah s!#! b!n&a an nilai (!#ar,

Risi#% 8i#!ii(as : Risi#% *an& an(ara lain isebab#an Ban# (ia# "a"'! "e"en!hi

#e/a$iban *an& (elah $a(!h /a#(!,

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Risi#% O'erasi%nal : Risi#% *an& an(ara lain isebab#an aan*a #e(ia#c!#!'an an

a(a! (ia# ber+!n&sin*a 'r%ses in(ernal)#esalahan "an!sia) #e&a&alan sis(e") a(a! aan*a

'r%ble" e#s(ernal *an& "e"'en&ar!hi %'erasi%nal Ban#,

Risi#% 7!#!" : Risi#% *an& isebab#an %leh aan*a #ele"ahan as'e# *!riis,

Kele"ahan as'e# *!riis an(ara lain isebab#an aan*a (!n(!(an h!#!") #e(iaaan

'era(!ran 'er!nan&5!nan&an *an& "en!#!n& a(a! #ele"ahan 'eri#a(an se'er(i (ia#

i'en!hin*a s*ara( sahn*a #%n(ra,

Risi#% Re'!(asi : Risi#% *an& an(ara lain isebab#an aan*a '!bli#asi ne&a(i+ *an&

(er#ai( en&an #e&ia(an !saha Ban# a(a! 'erse'si ne&a(i+ (erhaa' Ban#,

Risi#% S(ra(e&i# : Risi#% *an& an(ara lain isebab#an aan*a 'ene(a'an an

'ela#sanaan s(ra(e&i Ban# *an& (ia# (e'a( 'en&a"bilan #e'!(!san bisnis *an& (ia# (e'a(

a(a! #!ran& res'%nsi+n*a Ban# (erhaa' 'er!bahan e#s(ernal,

Risi#% Ke'a(!han : Risi#% *an& isebab#an Ban# (ia# "e"a(!hi a(a! (ia#

"ela#sana#an 'era(!ran 'er!nan&5!nan&an an #e(en(!an lain *an& berla#!,

S"STE# "N'$R#AS" PE%AP$RAN BANK KEPADA BANK "ND$NES"A

:: Sis(e" In+%r"asi ana$e"en Se#(%r Perban#an Ban# In%nesia -SI5SPBI.

SISPBI "er!'a#an sis(e" in+%r"asi (er'a! !n(!# "en!#!n& (!&as 'en&a/asan)

'e"eri#saan an 'en&a(!ran 'erban#an BI,

T!$!an ari 'enera'an SI5SPBI aalah :

enina(#an e+e#(i9i(as an e+isiensi sis(e" 'en&a/asan an 'e"eri#saan ban#6

enci'(a#an #esera&a"an -s(anarisasi. ala" 'ela#sanaan (!&as 'en&a/asan an

'e"eri#saan ban#,

en&%'(i"al#an Pen&a/as an Pe"eri#sa Ban# ala" "en&analisa #%nisi ban#

sehin&&a a'a( "enina(#an "!(! 'en&a/asan an 'e"eri#saan ban#6

e"!ah#an a!i( (rail %leh 'iha# *an& ber#e'en(in&an6

enina(#an #ea"anan an in(e&ri(as a(a ser(a in+%r"asi

SI5SPBI (eriri ari 1 s!bsis(e" *a#ni :

;, Sis(e" In+%r"asi ana$e"en Pen&a/asan -SIAS.) "er!'a#an sis(e" in+%r"asi

!n(!# "enina(#an e+e#(i+i(as an e+isiensi (!&as5(!&as 'en&a/asan) 'e"eri#saan an

'eneli(ian ban# !"!", elal!i SIAS) 'en&a/as ban# a#an "a"'! "en&%'(i"al#an

#e&ia(an analisa an "e"'er%leh in+%r"asi "en&enai #%nisi #e!an&an ban# -(er"as!#

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Tina( Keseha(an Ban# an 'r%+il risi#%. secara ce'a(, %!l5"%!l *an& (erseia

an(ara lain "%!l Da(a P%#%# Ban# an "%!l Fi( an Pr%'er Tes( -FPT.,

2, Sis(e" In+%r"asi Ban# ala" In9es(i&asi -SIBADI.) "er!'a#an sis(e" in+%r"asi

!n(!# "enina(#an (er(ib a"inis(rasi an #e"!ahan 'e"an(a!an (!&as ala" rana

in9es(i&asi (ina# 'iana i bian& 'erban#an, elal!i SIBADI) a'a( ila#!#an

'e"an(a!an (erhaa' 'er#e"ban&an in9es(i&asi a(as !&aan (ina# 'iana *an& ia#!#an

%leh s!a(! ban# se$a# la'%ran 'en*i"'an&an i(eri"a) $a/al in9es(i&asi) lanah5

lanah *an& (elah ila#!#an sa"'ai en&an hasil a#hir in9es(i&asi i"a#s!,

1, Da(a ar( Da(a P%#%# Ban#) *an& "en*eia#an in+%r"asi *an& ber#ai(an en&an

#ele"ba&aan) #e'e"ili#an an #e'en&!r!san) %'erasi%nal an s(ra(e&i 'en&a/asan *an&

i(era'#an 'aa s!a(! ban# sehin&&a ihara'#an a'a( "en&%'(i"al#an in+%r"asi ala"

rana 'en&a/asan an 'e"binaan ban#,

:: Sis(e" In+%r"asi Debi(!r -SID.

SID aalah sis(e" *an& "en*eia#an in+%r"asi "en&enai ebi(!r bai# 'er%ran&an "a!'!n

baan !saha) *an& i%lah berasar#an la'%ran 'en*eiaan ana *an& i(eri"a Ban#

In%nesia ari Pela'%r, SID i#e"banan en&an (!$!an !n(!# "e"ban(! :

;, Ba&i 'e"beri #rei() an(ara lain :

o e"ban(! ala" "e"'erce'a( 'r%ses analisis an 'en&a"bilan #e'!(!san

'e"berian #rei(

o en&!ran&i #e(er&an(!n&an 'e"beri #rei( #e'aa a&!nan

#%n9ensi%nal,Pe"beri #rei( a'a( "enilai re'!(asi #rei( cal%n ebi(!r seba&ai

'en&&an(i>'elena' a&!nan,

2, Ba&i 'eneri"a #rei() an(ara lain :

o e"'erce'a( /a#(! *an& ib!(!h#an !n(!# "e"'er%leh 'erse(!$!an #rei(

o Nasabah bar!)#h!s!sn*a *an& (er&%l%n& seba&ai UK)a #an "ena'a(

a#ses *an& lebih l!as #e'aa 'e"beri #rei( en&an "en&anal#an re'!(asi#e!an&ann*a (an'a har!s (er&an(!n& 'aa #e"a"'!an !n(!# "en*eia#an a&!nan,

:: Sis(e" In+%r"asi ana$e"n Pen&a/asan BPR -SIAS BPR.

SIAS5BPR "er!'a#an sis(e" in+%r"asi !n(!# "enina(#an e+e#(i+i(as an e+isiensi

sis(e" 'en&a/asan BPR, elal!i SIAS) 'en&a/as BPR a#an "a"'! "en&%'(i"al#an

#e&ia(an analisis (erhaa' #%nisi BPR) "e"'erce'a( i'er%lehn*a in+%r"asi #%nisi

#e!an&an BPR -(er"as!# Tina( Keseha(an BPR.) "enina(#an #ea"anan an in(e&ri(as

a(a ser(a in+%r"asi 'erban#an, %!l5"%!l *an& (erseia ala" a'li#asi SIAS BPR

an(ara lain "%!l 'eriinan 'enirian BPR) a(a '%#%# BPR) Tina( Keseha(an BPR) s(a(!sBPR) cab!( iin !saha an li#!iasi BPR,

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Ban# Sen(ral)OJK)Ban# an 8e"ba&a Ke!an&an b!#an Ban#

A,Ban Sentral

Ban# Sen(ral i(! na"a lainn*a Ban# In%nesia, F!n&sin*aa a'a sih ban# sen(ral ini Ban#

Sen(ral ini "e"'!n*ai +!n&si an /e/enan& "en&a(!r)"e"bina an "en&a/asi #e&ia(an

'erban#an, 8ebih $a!h la&i Ban# In%nesia "e"'!n*ai 'eran seba&ai 'en&enali sis(e"

"%ne(er,

Se(ia' hal 'as(i aa se$arahn*a lah *a)Be&i(!'!n en&an Ban# Sen(ral, Gi"ana sih !l!

(erben(!#n*a Ban# Sen(ral ini nihhh,,,

a, Se$arah Ban# In%nesia

Jai &ini nih)!l! 'aa (ah!n ;

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"a(a !an& ne&ara lain, As'e# 'er(a"a (ercer"in 'aa 'er#e"ban&an la$! in+lasi)seanan

as'e# #e!a (ercer"in 'aa 'er#e"ban&an nilai (!#ar r!'iah,

T!&as Ban# In%nesia

55 Q ene(a'#an an "ela#sana#an #ebi$a#an "%ne(er en&an O'erasi Pasar Terb!#a

-OPT.)Pene(a'an caan&an /a$ib "ini"!")Peran seba&ai 8ener %+ The 8as(

Res%r()Kebi$a#an nilai (!#ar)Pen&el%laan caan&an e9isa)en&a(!r an "en$a&a Sis(e"

Pe"ba*aran) an en&a(!r "en&a/asi Ban#,

B, $toritas Jasa Keuangan ($JK)

O(%ri(as Jasa Ke!an&an aalah le"ba&a ine'enen *an& iben(!# "en!r!( Unan&5Unan&

N%,2; (ah!n 23;;, er!'a#an seb!ah le"ba&a 'en&a/asan $asa #e!an&an *an& ine'enen

an "en&a/asi in!s(ri 'erban#an)'asar "%al)re#saana)'er!sahaan 'e"bia*aan)ll, OJK

'!n*a +!n&si)(!&as an /e/enan& 'en&a(!ran)'en&a/asan)'e"eri#saan an 'en*ii#an,

Q OJK ber+!n&si "en*elen&&ara#an sis(e" 'en&a(!ran an 'en&a/asan *an& (erin(e&rasi

(erhaa' #esel!r!han #e&ia(an i ala" se#(%r $asa #e!an&an,

Q OJK "e"ili#i (!&as 'en&a(!ran an 'en&a/asan (erhaa' #e&ia(an $asa #e!an&an i se#(%r

'erban#an)'asar "%al)'eras!ransian)ana 'ensi!n)le"ba&a 'e"bia*aan an le"ba&a $asa

#e!an&an,

Q OJK "e"ili#i /e/enan& :

Pen&a(!ran an 'en&a/asan "en&enai #ele"ba&aan ban# *an& "eli'!(i 'eriinan

!n(!# 'enirian ban#)'e"b!#aan #an(%r ban#)an&&aran asar)rencana #er$a #e'e"ili#an,

Ke&ia(an !saha ban# -s!"ber ana)'en*eiaan ana)'r%!# hibriisasi.,

Pen&a(!ran an 'en&a/asan "en&enai #eseha(an ban# -8i#!ii(as)la'%ran ban# *&

(er#ai( & #eseha(an)sis(e" in+%r"asi ebi(!r)'en&!$ian #rei() an s(anar a#!n(ansi ban#.,

Pen&a(!ran an 'en&a/asan "en&enasi as'e# #eha(i5ha(ian ban# -"ana$e"en

resi#%)(a(a #el%la ban#)'rinsi' "en&enal nasabah.,

Pe"eri#saan ban#,

* Ban Uu

+* Pen&er(ian Ban# U"!"

55 en!r!( UU N%,= (ah!n ;

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b, Ban# !"!" aalah ban# *an& "ela#sana#an #e&ia(an !saha secara #%n9ensi%nal an a(a!

berasar#an 'rinsi' s*ariah *an& ala" #e&ia(ann*a "e"beri#an $asa ala" lal! lin(as

'e"ba*aran,

2, F!n&si an !saha Ban# U"!"

Q F!n&si '%#%# ban# !"!" aalah "en*eia#an "e#anis"e an ala( 'e"ba*aran *an& lebih

e+isien ala" #e&ia(an e#%n%"i)"enci'(a#an !an&)"en&hi"'!n ana an "en*al!r#ann*a

#e'aa "as*ara#a()an "ena/ar#an $asa5$asa 'erban#an,

Q Usaha ban# !"!" *an& a'a( ila#!#an %leh ban# !"!" "en!r!( UU N%,;3 (ah!n ;

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&, J!al5Beli al!(a Asin&

55 Ban# !"!" *& (elah "ena'a( iin ari Ban# In%nesia a'a( "ela#!#an $!al beli 9al!(a

asin&,

h, AT

55 esin !n(!# 'en&a"bilan !an& (!nai #e(i#a nasabah "e"b!(!h#an se$!"lah !an& (!nai

en&an se&era en&an "en&&!na#an #ar(! AT,

4, Pen*al!ran Krei(

55 er!'a#an #e&ia(an !saha *an& "en%"inasi 'en&al%#asian ana ban#, Oleh #arena

i(!)s!"ber 'ena'a(an !(a"a ban# berasal ari #e&ia(an 'en*al!ran #rei( ala" ben(!#

b!n&a,

a, Pen&er(ian Krei(

en!r!( UU, N% = (ah!n ;

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2, e"beri#an #rei( ala" ben(!# #rei( "%al #er$a)#rei( in9es(asi)"a!'!n #rei(

#%ns!"si,

E, Ban# S*ariah

55 en!r!( UU, N% 2; (ah!n 2330 (en(an& 'erban#an s*ariah .an sariah aalah ban#

*an& "en$alan#an !sahan*a berasar#an 'rinsi' s*ariah an "en!r!( $enisn*a (eriri a(as

ban# !"!" s*ariah an ban# 'e"bia*aan ra#*a( s*ariah,Ban uu sariah aalah ban#

s*ariah *an& ala" #e&ia(ann*a "e"beri#an $asa ala" lal! lin(as

'e"ba*aran)seanan .an !e.iaaan raat sariah aalah ban# s*ariah *an& ala"

#e&ia(ann*a (ia# "e"beri#an $asa ala" lal! lin(as 'e"ba*aran,

;, Ban# S*ariah

Ban# s*ariah a'a( "e"beri#an berba&ai "aca" la*anan 'erban#an #e'aa nasabah,

8a*anan 'erban#an an(ara lain sbb:

a, Si"'anan : Dana *an& i'erca*a#an %leh nasabah #e'aa ban# s*ariah an>a(a! !ni( !saha

s*ariah berasar#ana#a /aiah a(a! a#a lain *an& (ia# ber(en(an&an en&an 'rinsi'

s*ariah ala" ben(!# &ir%)(ab!n&an)a(a! ben(!# lainn*a *an& i'ersa"a#an en&an i(!,

b, Tab!n&an : Si"'anan berasar#an a#a /aiah a(a! in9es(asi ana berasar#an a#a

"!harabah a(a! a#a lain *an& (ia# ber(en(an&an en&an 'rinsi' s*ariah *an&

'enari#ann*a han*a a'a( ila#!#an "en!r!( s*ara( an #e(en(!an (er(en(! *an&

ise'a#a(i)(e(a'i &a bisa i(ari# 'a#e ce#)&ir%)bil*e(,

c, De'%si(% : In9es(asi ana berasar#an a#a "!har%bah a(a! a#a lain *an& (ia#

ber(en(an&an en&an 'rinsi' s*ariah *an& 'enari#ann*a a'a( ila#!#an 'aa /a#(! (er(en(!

berasar#an a#a an(ara nasabah 'en*i"'an an ban# s*ariah an>a(a! !ni( !saha s*ariah,

, Gir% : Si"'anan berasar#an a#a /aiah a(a! a#a lain *an& (ia# ber(en(an&an en&an

'rinsi' s*ariah *an& 'enari#ann*a a'a( ila#!#an se(ia' saa( en&an

"en&&!na#an ce#)bil*e()&ir%)sarana 'erin(ah 'e"ba*aran lainn*a,

e, In9es(asi : Dana *an& i'erca*a#an %leh nasabah #e'aa ban# s*ariah an>a(a! USS

berasar#an a#a "!harabah a(a! a#a lain *an& (ia# ber(en(an&an en&an 'rinsi' s*ariah

ala" ben(!# e'%si(%)(ab!n&an)a(a! ben(!# lainn*a *an& i'ersa"a#an en&an i(!,

+, Pe"bia*aan : Pen*eian ana a(a! (a&ihan *an& i'ersa"a#an en&an i(! -(ransa#si ba&i

hasil)se/a "en*e/a)$!al beli)'in$a" "e"in$a".

&, Peni(i'an : Pen*i"'anan har(a berasar#an a#a an(ara ban# !"!" s*ariah an 'eni(i'

en&an #(en(!an UUS (sb (ia# '!n*a #e'e"ili#an a(as har(a (sb,

h, ali A"ana( : Ban# !"!" s*ariah *an& "e/a#ili #e'en(in&an 'e"e&an& s!ra( berhar&a

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berasar#an a#a /a#alah an(ara ban# !"!" s*ariah (sb an 'e"e&an& s!ra( berhar&a (sb,

2, Ban# Pe"bia*aan Ra#*a( S*ariah

55 Ban# s*ariah *an& ala" #e&ia(ann*a (ia# "e"beri#an $asa ala" lal! lin(as

'e"ba*aran,

Ke&ia(an !saha Ban# Pe"bia*aan Ra#*a( S*ariah "eli'!(i :

a, en&hi"'!n ana ari "as*ara#a( ala" ben(!#:

si"'anan ber!'a (ab!n&an

in9es(asi ber!'a e'%si(%

b, en*al!r#an ana #e'aa "as*ara#a( ala" ben(!# :

Pe"bia*aan ba&i hasil berasar#an a#a "!harabah>"!s*ara#ah)Pe"bia*aanberasar#an a#a "!harabah)sala" a(a! is(ishna)Pe"bia*aan berasar#an a#a

qarh)'e"bia*aan 'en*e/a baran& ber&era#>(ia# ber&era#)Pen&a"bil alih !(an&

berasar#an a#a ha/alah,

c, ene"'a(#an ana 'aa ban# s*ariah lain ala" ben(!# (i(i'an berasar#an a#a /aiah

a(a! in9es(asi berasar#an a#a "!harabah an>a(a! a#a lain *& (ia# ber(en(an&an en&an

'rinsi' s*ariah,

, e"inah#an !an& bai# !n(!# #e'en(in&an seniri "a!'!n !n(!# #e'en(in&an nasabah,

e, en*eia#an 'r%!# a(a! "ela#!#an #e&ia(an !saha ban# s*ariah lainn*a,

'* %e.aga Keuangan Buan Ban

1Ke&ia(an le"ba&a #e!an&an b!#an ban# ala" "en&hi"'!n ana ila#!#an en&an

"en&el!ar#an #er(as berhar&a an #e"!ian "en*al!r#ann*a !n(!# "e"bia*ai #e&ia(an

in9es(asi a(a! #%ns!"si)bai# ini9i! "a!'!n 'er!sahaan,

;, 8e"ba&a Pe"bia*aan an Pen$a"inan : 8e"ba&a #e!an&an b!#an ban# *& ber&era#

ala" #e&ia(an 'e"bia*aan an 'en$a"inan, Per!sahaan *& (er"as!# ala" 'e"bia*aan an

'en$a"inan aalah se/a &!na !saha)an$a# 'i!(an&)#ar(! #rei( an 'e"bia*aan #%ns!"en,

Se/a &!na !saha -leasin&. : Ke&ia(an 'e"bia*aan ala" ben(!# 'en*eiaan baran&

"%al bai# secara &!na !saha en&an ha# %'si "a!'!n se/a &!na !saha (an'a ha# %'si

!n(!# i&!na#an %leh lessee sela"a $ana /a#(! (er(en(! berasar#an 'e"ba*aran secara

ber#ala, Ob$e# se/a &!na !saha aalah baran& "%al an 'iha# lessee "e"ili#i ha# %'si

en&an har&a berasar#an nilai sisa,

An$a# Pi!(an& : Baan !saha *an& "ela#!#an #e&ia(an 'e"bia*aan ala" ben(!#

'e"belian an 'en&alihan ser(a 'en&!r!san 'i!(an& a(a! (a&ihan $ana 'ene# s!a(!

'er!sahaan ari (ransa#si 'era&an&an ala" a(a! l!ar ne&eri, Piha# *& (erliba( ala" an$a#

'i!(an& :9., Fac(%r -'er!sahaan an$a# 'i!(an&. 6 'iha# *& "e"beri#an $asa an$a# 'i!(an& #e'aa #lien,

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9., Klien : Piha# *& "eneri"a $asa an$a# 'i!(an& an "en$!al baran& an>a(a! $asa secara

#rei( #e'aa 'elan&&an,

9., C!s(%"er : Piha# *& "e"beli baran& an>a(a! $asa ari #lien an "e"'!n*ai #e/a$iban

ber!'a h!(an& $ana 'ene# #e'aa #lien,

Usaha #ar(! #rei( : Ke&ia(an 'e"bia*aan !n(!# 'e"belian baran& an>a(a! $asa

en&an "en&&!na#an #ar(! #rei(,

Pe"bia*aan #%ns!"en : Ke&ia(an 'e"bia*aan !n(!# 'en&aaan baran& berasar#an

#eb!(!han #%ns!"en en&an 'e"ba*aran secara an&s!ran,

2, As!ransi

Pen&er(ian as!ransi : Per$an$ian an(ara !a 'iha# a(a! lebih en&an "ana 'iha# 'enan&&!n&

"en&i#a(#an iri #e'aa 'iha# (er(an&&!n& en&an "eneri"a 're"i as!ransi !n(!#

"e"beri#an 'en&&an(ian #e'aa 'iha# (er(an&&!n& #arena #er!&ian)#er!sa#an a(a!

#ehilan&an, Ob$e# as!ransi aalah bena an $asa)$i/a an ra&a)#eseha(an "an!sia)(an&&!n&

$a/ab h!#!")ser(a se"!a #e'en(in&an lainn*a *an& a'a( hilan&)r!sa#)r!&i)an a(a!

ber#!ran& nilain*a,

1, Dana Pensi!n

Q Dala" UU N%, ;; (ah!n ;

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en&an (!$!an !(a"a "en$a&a sasaran la$! in+lasi *an& i(e(a'#an %leh Pe"erin(ah, Secara

%'erasi%nal) 'en&enalian sasaran5sasaran "%ne(er (erseb!( "en&&!na#an ins(r!"en5

ins(r!"en) an(ara lain %'erasi 'asar (erb!#a i 'asar !an& bai# r!'iah "a!'!n 9al!(a asin&)

'ene(a'an (ina( is#%n(%) 'ene(a'an caan&an /a$ib "ini"!") an 'en&a(!ran #rei( a(a!

'e"bia*aan, Ban# In%nesia $!&a a'a( "ela#!#an cara5cara 'en&enalian "%ne(er

berasar#an Prinsi' S*ariah,

Kebijakan moneter

Dari i#i'eia bahasa In%nesia) ensi#l%'eia bebas

Bel!" Di'eri#sa

Kebi$a#an "%ne(er aalah 'r%ses "en&a(!r'erseiaan !an&seb!ah ne&ara !n(!# "enca'ai

(!$!an (er(en(!6 se'er(i "enahan in+lasi)"enca'ai'e#er$a'en!h a(a! lebih se$ah(era,

Kebi$a#an "%ne(er a'a( "eliba(#an "en&ese( s(anarb!n&a 'in$a"an) "ar&in

req!ire"en() #a'i(alisasi!n(!#ban#a(a! bah#an ber(ina# seba&ai'e"in$a" !saha

(era#hira(a! "elal!i 'erse(!$!an "elal!i ne&%siasi en&an 'e"erin(ah lain,

Kebi$a#an "%ne(er 'aa asarn*a "er!'a#an s!a(! #ebi$a#an *an& ber(!$!an !n(!# "enca'ai

#esei"ban&an in(ernal -'er(!"b!han e#%n%"i *an& (in&&i) s(abili(as har&a) 'e"era(aan

'e"ban&!nan. an #esei"ban&an e#s(ernal -#esei"ban&an neraca 'e"ba*aran. ser(a

(erca'ain*a (!$!an e#%n%"i "a#r%) *a#ni "en$a&a s(abilisasi e#%n%"i *an& a'a( i!#!r

en&an #ese"'a(an #er$a) #es(abilan har&a ser(a neraca 'e"ba*aran in(ernasi%nal *an&

sei"ban&, A'abila #es(abilan ala" #e&ia(an 'ere#%n%"ian (er&an&&!) "a#a #ebi$a#an

"%ne(er a'a( i'a#ai !n(!# "e"!lih#an -(ina#an s(abilisasi., Pen&ar!h #ebi$a#an "%ne(er

'er(a"a #ali a#an irasa#an %leh se#(%r 'erban#an) *an& #e"!ian i(rans+er 'aa se#(%r

riil, ;

Kebi$a#an "%ne(er aalah !'a*a !n(!# "enca'ai (ina( 'er(!"b!han e#%n%"i *an& (in&&i

secara ber#elan$!(an en&an (e(a' "e"'er(ahan#an #es(abilan har&a, Un(!# "enca'ai (!$!an

(erseb!( Ban# Sen(ral a(a! O(%ri(as %ne(er ber!saha "en&a(!r #esei"ban&an an(ara

'erseiaan !an& en&an 'erseiaan baran& a&ar in+lasi a'a( (er#enali) (erca'ai #ese"'a(an

#er$a 'en!h an #elancaran ala" 'as%#an>is(rib!si baran&,Kebi$a#an "%ne(er ila#!#anan(ara lain en&an salah sa(! na"!n (ia# (erba(as 'aa ins(r!"en seba&ai beri#!( *ai(! s!#!

b!n&a) &ir% /a$ib "ini"!") in(er9ensi i'asar 9al!(a asin& an seba&ai (e"'a( (era#hir ba&i

ban#5ban# !n(!# "e"in$a" !an& a'abila "en&ala"i #es!li(an li#!ii(as,

Da+(ar isi

se"b!n*i#an

; Jenis5$enis Kebi$a#an %ne(er

2 T!$!an Kebi$a#an %ne(er

http://id.wikipedia.org/wiki/Bantuan:Validasi_halamanhttp://id.wikipedia.org/wiki/Persediaan_uanghttp://id.wikipedia.org/wiki/Inflasihttp://id.wikipedia.org/wiki/Inflasihttp://id.wikipedia.org/w/index.php?title=Pekerja&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Menghitung_kesejahteraan&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Bunga_pinjaman&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Margin_requirement&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Margin_requirement&action=edit&redlink=1http://id.wikipedia.org/wiki/Kapitalisasi_pasarhttp://id.wikipedia.org/wiki/Perbankanhttp://id.wikipedia.org/w/index.php?title=Peminjam_usaha_terakhir&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Peminjam_usaha_terakhir&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Peminjam_usaha_terakhir&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Peminjam_usaha_terakhir&action=edit&redlink=1http://id.wikipedia.org/wiki/Kebijakan_moneter#cite_note-1http://id.wikipedia.org/wiki/Kebijakan_moneterhttp://id.wikipedia.org/wiki/Kebijakan_moneter#Jenis-jenis_Kebijakan_Moneterhttp://id.wikipedia.org/wiki/Kebijakan_moneter#Tujuan_Kebijakan_Moneterhttp://id.wikipedia.org/wiki/Bantuan:Validasi_halamanhttp://id.wikipedia.org/wiki/Persediaan_uanghttp://id.wikipedia.org/wiki/Inflasihttp://id.wikipedia.org/w/index.php?title=Pekerja&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Menghitung_kesejahteraan&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Bunga_pinjaman&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Margin_requirement&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Margin_requirement&action=edit&redlink=1http://id.wikipedia.org/wiki/Kapitalisasi_pasarhttp://id.wikipedia.org/wiki/Perbankanhttp://id.wikipedia.org/w/index.php?title=Peminjam_usaha_terakhir&action=edit&redlink=1http://id.wikipedia.org/w/index.php?title=Peminjam_usaha_terakhir&action=edit&redlink=1http://id.wikipedia.org/wiki/Kebijakan_moneter#cite_note-1http://id.wikipedia.org/wiki/Kebijakan_moneterhttp://id.wikipedia.org/wiki/Kebijakan_moneter#Jenis-jenis_Kebijakan_Moneterhttp://id.wikipedia.org/wiki/Kebijakan_moneter#Tujuan_Kebijakan_Moneter

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1 8iha( '!la

4 re+erensi

Jenis5$enis Kebi$a#an %ne(ers!n(in&Ls!n(in& s!"ber

Pen&a(!ran $!"lah !an& *an& berear 'aa "as*ara#a( ia(!r en&an cara "ena"bah a(a!

"en&!ran&i $!"lah !an& *an& berear, Kebi$a#an "%ne(er a'a( i&%l%nan "en$ai !a)

*ai(!:2

Kebi$a#an "%ne(er e#s'ansi+ -#onetar e3!ansi4e !olic.

Aalah s!a(! #ebi$a#an ala" rana "ena"bah $!"lah !an& *an& berear, Kebi$a#an ini

ila#!#an !n(!# "en&a(asi 'en&an&&!ran an "enina(#an a*a beli "as*ara#a(

-'er"in(aan "as*ara#a(. 'aa saa( 'ere#%n%"ian "en&ala"i resesi a(a! e'resi, Kebi$a#an

ini iseb!( $!&a #ebi$a#an "%ne(er l%n&&ar -eas one !olic.

Kebi$a#an %ne(er K%n(ra#(i+ -#onetar contracti4e !olic.

Aalah s!a(! #ebi$a#an ala" rana "en&!ran&i $!"lah !an& *an& berear, Kebi$a#an ini

ila#!#an 'aa saa( 'ere#%n%"ian "en&ala"i in+lasi, Diseb!( $!&a en&an #ebi$a#an !an&

#e(a( -tight one !olic.

Kebi$a#an "%ne(er a'a( ila#!#an en&an "en$alan#an ins(r!"en #ebi$a#an "%ne(er) *ai(!

an(ara lain : 1

O'erasi Pasar Terb!#a -$!en #aret $!eration.

O'erasi 'asar (erb!#a aalah cara "en&enali#an !an& *an& berear en&an "en$!al a(a!

"e"beli s!ra( berhar&a 'e"erin(ah -&%9ern"en( sec!ri(ies., Ji#a in&in "ena"bah $!"lah

!an& berear) 'e"erin(ah a#an "e"beli s!ra( berhar&a 'e"erin(ah, Na"!n) bila in&in $!"lah

!an& *an& berear ber#!ran&) "a#a 'e"erin(ah a#an "en$!al s!ra( berhar&a 'e"erin(ah

#e'aa "as*ara#a(, S!ra( berhar&a 'e"erin(ah an(ara lain ian(aran*a aalah SBI a(a!

sina(an ari Ser(i+i#a( Ban# In%nesia an SBPU a(a! sina(an a(as S!ra( Berhar&a Pasar

Uan&,

Fasili(as Dis#%n(% -Discount Rate.

Fasili(as is#%n(% aalah 'en&a(!ran $!"lah !an& *an& berear en&an "e"ain#an (ina(

b!n&a ban# sen(ral 'aa ban# !"!", Ban# !"!" #aan&5#aan& "en&ala"i #e#!ran&an

!an& sehin&&a har!s "e"in$a" #e ban# sen(ral, Un(!# "e"b!a( $!"lah !an& ber(a"bah)

'e"erin(ah "en!r!n#an (ina( b!n&a ban# sen(ral) ser(a sebali#n*a "enai##an (ina(

b!n&a e"i "e"b!a( !an& *an& berear ber#!ran&,

Rasi% Caan&an a$ib -Reser4e Re5uireent Ratio.

Rasi% caan&an /a$ib aalah "en&a(!r $!"lah !an& *an& berear en&an "e"ain#an $!"lahana caan&an 'erban#an *an& har!s isi"'an 'aa 'e"erin(ah, Un(!# "ena"bah $!"lah

http://id.wikipedia.org/wiki/Kebijakan_moneter#Lihat_pulahttp://id.wikipedia.org/wiki/Kebijakan_moneter#referensihttp://id.wikipedia.org/w/index.php?title=Kebijakan_moneter&veaction=edit&section=1http://id.wikipedia.org/w/index.php?title=Kebijakan_moneter&action=edit&section=1http://id.wikipedia.org/wiki/Kebijakan_moneter#cite_note-2http://id.wikipedia.org/wiki/Kebijakan_moneter#cite_note-2http://id.wikipedia.org/wiki/Kebijakan_moneter#cite_note-3http://id.wikipedia.org/wiki/Kebijakan_moneter#Lihat_pulahttp://id.wikipedia.org/wiki/Kebijakan_moneter#referensihttp://id.wikipedia.org/w/index.php?title=Kebijakan_moneter&veaction=edit&section=1http://id.wikipedia.org/w/index.php?title=Kebijakan_moneter&action=edit&section=1http://id.wikipedia.org/wiki/Kebijakan_moneter#cite_note-2http://id.wikipedia.org/wiki/Kebijakan_moneter#cite_note-3

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!an&) 'e"erin(ah "en!r!n#an rasi% caan&an /a$ib, Un(!# "en!r!n#an $!"lah !an&

berear) 'e"erin(ah "enai##an rasi%,

I"ba!an %ral -#oral Persuasion.

7i"ba!an "%ral aalah #ebi$a#an "%ne(er !n(!# "en&a(!r $!"lah !an& berear en&an

$alan "e"beri i"ba!an #e'aa 'ela#! e#%n%"i, C%n(%hn*a se'er(i "en&hi"ba! 'erban#an

'e"beri #rei( !n(!# berha(i5ha(i ala" "en&el!ar#an #rei( !n(!# "en&!ran&i $!"lah !an&

berear an "en&hi"ba! a&ar ban# "e"in$a" !an& lebih #e ban# sen(ral !n(!#

"e"'erban*a# $!"lah !an& berear 'aa 'ere#%n%"ian,

T!$!an Kebi$a#an %ne(ers!n(in&L s!n(in& s!"ber

Ban# In%nesia "e"ili#i (!$!an !n(!# "enca'ai an "e"elihara #es(abilan nilai r!'iah,

T!$!an ini seba&ai"ana (ercan(!" ala" UU N%, 1 (ah!n 2334 'asal = (en(an& Ban#

In%nesia, 4

7al *an& i"a#s! en&an #es(abilan nilai r!'iah an(ara lain aalah #es(abilan (erhaa'

har&a5har&a baran& an $asa *an& (ercer"in 'aa in+lasi, Un(!# "enca'ai (!$!an (erseb!()

se$a# (ah!n 233? Ban# In%nesia "enera'#an #erana #ebi$a#an "%ne(er en&an in+lasi

seba&ai sasaran !(a"a #ebi$a#an "%ne(er -In+la(i%n Tar&e(in& Fra"e/%r#. en&an "en&an!(

sis(e" nilai (!#ar *an& "en&a"ban& -+ree +l%a(in&., Peran #es(abilan nilai (!#ar san&a(

'en(in& ala" "enca'ai s(abili(as har&a an sis(e" #e!an&an, Oleh #arenan*a) Ban#

In%nesia $!&a "en$alan#an #ebi$a#an nilai (!#ar !n(!# "en&!ran&i 9%la(ili(as nilai (!#ar

*an& berlebihan) b!#an !n(!# "en&arah#an nilai (!#ar 'aa le9el (er(en(!,

Dala" 'ela#sanaann*a) Ban# In%nesia "e"ili#i #e/enan&an !n(!# "ela#!#an #ebi$a#an

"%ne(er "elal!i 'ene(a'an sasaran5sasaran "%ne(er -se'er(i !an& berear a(a! s!#! b!n&a.

en&an (!$!an !(a"a "en$a&a sasaran la$! in+lasi *an& i(e(a'#an %leh Pe"erin(ah, Secara

%'erasi%nal) 'en&enalian sasaran5sasaran "%ne(er (erseb!( "en&&!na#an ins(r!"en5

ins(r!"en) an(ara lain %'erasi 'asar (erb!#a i 'asar !an& bai# r!'iah "a!'!n 9al!(a asin&)

'ene(a'an (ina( is#%n(%) 'ene(a'an caan&an /a$ib "ini"!") an 'en&a(!ran #rei( a(a!

'e"bia*aan, Ban# In%nesia $!&a a'a( "ela#!#an cara5cara 'en&enalian "%ne(er

berasar#an Prinsi' S*ariah,

KEBIJAKAN ONETER5BANK INDONESIA

File !ner:Unca(e&%rie Tin&&al#an #%"en(ar

are( ;

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BAB I PENDA7U8UAN

Kebi$a#an "%ne(er aalah 'r%ses "en&a(!r 'erseiaan !an& seb!ah ne&ara !n(!# "enca'ai

(!$!an (er(en(!6 se'er(i "enahan in+lasi) "enca'ai 'e#er$a 'en!h a(a! lebih se$ah(era,

Kebi$a#an "%ne(er a'a( "eliba(#an "en&ese( s(anar b!n&a 'in$a"an) "ar&in

req!ire"en() #a'i(alisasi !n(!# ban# a(a! bah#an ber(ina# seba&ai 'e"in$a" !saha

(era#hir a(a! "elal!i 'erse(!$!an "elal!i ne&%siasi en&an 'e"erin(ah lain,

Kebi$a#an "%ne(er aalah !'a*a !n(!# "enca'ai (ina( 'er(!"b!han e#%n%"i *an& (in&&i

secara ber#elan$!(an en&an (e(a' "e"'er(ahan#an #es(abilan har&a, Un(!# "enca'ai (!$!an

(erseb!( Ban# Sen(ral a(a! O(%ri(as %ne(er ber!saha "en&a(!r #esei"ban&an an(ara

'erseiaan !an& en&an 'erseiaan baran& a&ar in+lasi a'a( (er#enali) (erca'ai #ese"'a(an

#er$a 'en!h an #elancaran ala" 'as%#an>is(rib!si baran&,Kebi$a#an "%ne(er ila#!#an

an(ara lain en&an salah sa(! na"!n (ia# (erba(as 'aa ins(r!"en seba&ai beri#!( *ai(! s!#!

b!n&a) &ir% /a$ib "ini"!") in(er9ensi i'asar 9al!(a asin& an seba&ai (e"'a( (era#hir ba&i

ban#5ban# !n(!# "e"in$a" !an& a'abila "en&ala"i #es!li(an li#!ii(as,

Kebi$a#an "%ne(er 'aa asarn*a "er!'a#an s!a(! #ebi$a#an *an& ber(!$!an !n(!# "enca'ai

#esei"ban&an in(ernal -'er(!"b!han e#%n%"i *an& (in&&i) s(abili(as har&a) 'e"era(aan'e"ban&!nan. an #esei"ban&an e#s(ernal -#esei"ban&an neraca 'e"ba*aran. ser(a

(erca'ain*a (!$!an e#%n%"i "a#r%) *a#ni "en$a&a s(abilisasi e#%n%"i *an& a'a( i!#!r

en&an #ese"'a(an #er$a) #es(abilan har&a ser(a neraca 'e"ba*aran in(ernasi%nal *an&

sei"ban&, A'abila #es(abilan ala" #e&ia(an 'ere#%n%"ian (er&an&&!) "a#a #ebi$a#an

"%ne(er a'a( i'a#ai !n(!# "e"!lih#an -(ina#an s(abilisasi., Pen&ar!h #ebi$a#an "%ne(er

'er(a"a #ali a#an irasa#an %leh se#(%r 'erban#an) *an& #e"!ian i(rans+er 'aa se#(%r riil,

BAB II TEORI

Den&an (erci'(an*a 'erban#an *an& seha( an #!a( i sa(! sisi) an 'erban#an *an& a'a(

"en$alan#an +!n&si in(er"eiasin*a secara e+e#(i+ an e+isien i sisi lainn*a) b!#anlah !a

hal *an& a'a( i'isah#an, Selain i(!) in!s(ri 'erban#an 'erl! (er!s berbenah !n(!#

"enina(#an a*a sain& (er!(a"a ala" "en&haa'i (an(an&an e#%n%"i *an& se"a#in

"enina( 'esa(,

Den&an "e"anan& bah/a 'en&el%laan e#%n%"i "a#r% #ee'an "asih har!s berhaa'an

en&an risi#% &l%bal an #%"'le#si(as 'er"asalahan %"es(i# *an& be&i(! besar) arah#ebi$a#an Ban# In%nesia 'aa (ah!n 23;2 a#an i arah#an ala" rana:

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;, en&%'(i"al#an 'eran #ebi$a#an "%ne(er ala" "en%r%n& #a'asi(as 'ere#%n%"ian

se#ali&!s "e"i(i&asi risi#% 'erla"ba(an e#%n%"i &l%bal,

2, enina(#an e+isiensi 'erban#an !n(!# "en&%'(i"al#an #%n(rib!sin*a ala"

'ere#%n%"ian) en&an (e(a' "e"'er#!a( #e(ahanan 'erban#an,

1, enina(#an e+isiensi) #ehanalan) an #ea"anan sis(e" 'e"ba*aran) bai# ala"

sis(e" 'e"ba*aran nasi%nal "a!'!n h!b!n&an sis(e" 'e"ba*aran en&an l!ar ne&eri,

4, e"'er#!a( #e(ahanan "a#r% en&an "e"an(a'#an #%%rinasi ala" "ana$e"en

'ence&ahan an 'enan&anan #risis -PK.,

?, en!#!n& 'e"bera*aan se#(%r riil (er"as!# "elan$!(#an !'a*a 'erl!asan a#ses

'erban#an -+inancial incl!si%n. #e'aa "as*ara#a(

S(ra(e&i %'erasi #ebi$a#an "%ne(er a#an (e(a' iarah#an !n(!# "en$a&a #es(abilan s!#!

b!n&a i 'asar !an& r!'iah) "en!#!n& s(abili(as nilai (!#ar) an "e"elihara s(abili(as 'asar#e!an&an, Sa*a "e"anan&) ben(!# s(abili(as (erseb!( 'erl! "e"beri#an r!an& *an& lebih

l!as ba&i 'enala"an 'asar #e!an&an nasi%nal,

Kebi$a#an Ban# In%nesia i nilai (!#ar a#an (e(a' iarah#an !n(!# "en$a&a s(abili(as nilai

(!#ar en&an "e"'erha(i#an 'enca'aian #esei"ban&an in(ernal an e#s(ernal 'ere#%n%"ian)

ser(a "e"beri#an #e'as(ian ba&i sel!r!h 'ela#! e#%n%"i, Se$a# Jan!ari 23;2) #ebi$a#an

s(abilisasi nilai (!#ar a#an i!#!n& %leh i"'le"en(asi #ebi$a#an #e/a$iban 'eneri"aan

e9isa hasil e#s'%r -D7E. an e9isa !(an& l!ar ne&eri -DU8N. i ban# %"es(i#, Ban#

In%nesia $!&a (en&ah "e5re9ie/ #e(en(!an5#e(en(!an !n(!# "e"'er#a*a ins(r!"en( i 'asar

9alas ala" rana "en&hi!'#an (ransa#si lin!n& nilai -he&in&.,

Dala" rana 'en&enalian in+lasi i aerah) Ban# In%nesia a#an "en&%'(i"al#an +!n&si

Kan(%r Ban# In%nesia -KBI. seba&ai +asili(a(%r an #a(alisa(%r 'erce'a(an 'e"ban&!nan i

aerah) Un(!# a'a( "e/!$!#an hal (erseb!( "e"erl!#an #%"i("en *an& #!a( an

!#!n&an ari ban*a# 'iha# (er"as!# ari #e"en(erian (er#ai( se'er(i Ke"en(erian Per(anian

an Ke"en(erian Pera&an&an) (er"as!# ari Pe"erin(ah Daerah

Kebi$a#an 'en&!a(an #e(ahanan 'erban#an ila#!#an "elal!i 'enina(an 'er"%alan ala"

rana "en!#!n& 'er(!"b!han e#%n%"i #e e'an an an(isi'asi 'er!bahan si#l!s bisnis,

elal!i #ebi$a#an ini 'erban#an In%nesia a#an lebih sia' ala" "en&an(isi'asi berba&ai

risi#% #arena a'a( i5c%9er en&an 'er"%alan *an& "enc!#!'i,

Dari as'e# 'erlin!n&an nasabah an (a(a #el%la 'erban#an $!&a "er!'a#an !a as'e# *an&

'erl! "e"'er%leh 'erha(ian, Bebera'a #as!s +ra! i 'erban#an *an& "en*i(a 'erha(ian 'aa

(ah!n 23;; "e"erl!#an 'ena(aan #e"bali #ebi$a#an (er#ai( en&an #e!a as'e# i (erseb!(,

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Oleh #arena i(!) 'aa (ah!n 23;2 Ban# In%nesia a#an "elan$!(#an #ebi$a#an !n(!#

"en*e"'!rna#an as'e# 'erlin!n&an nasabah an cal%n nasabah,

8ebih lan$!() !n(!# 'enina(an #!ali(as (a(a #el%la 'erban#an) Ban# In%nesia a#an

"en*e"'!rna#an #e(en(!an (rans'aransi la'%ran #e!an&an) #h!s!sn*a *an& (er#ai( la'%ran

#e!an&an '!bli#asi) an 'en&a(!ran (erhaa' a#!n(an '!bli# *an& i&!na#an %leh 'erban#an,

Ban# In%nesia $!&a (er!s "ena$i #ebi$a#an #e'e"ili#an i 'erban#an an #ebi$a#an

"!l(i5license seirin& en&an se"a#in #%"'le#sn*a #e&ia(an !saha ban#,

Di l!ar as'e# 'en&!a(an a*a sain& an #e(ahanan 'erban#an) Ban# In%nesia a#an

"en%r%n& in(er"eiasi 'erban#an "elal!i bebera'a lanah seba&ai beri#!( :

;, elan$!(#an !'a*a "en!#!n& 'erl!asan a#ses 'erban#an -+inancial incl!si%n.

#e'aa "as*ara#a( #h!s!sn*a la*anan 'erban#an ba&i "as*ara#a( 'eesaan berbia*a renah)

(er"as!# 'enina(an #!ali(as 'r%&ra" Tab!n&an#!) 'en&e"ban&an e!#asi #e!an&an)

'ela#sanaan Financial Ien(i(* N!"ber an 'ela#sanaan s!r9ei li(erac*,

2, e"+asili(asi in(er"eiasi !n(!# "en!#!n& 'e"bia*aan i berba&ai se#(%r '%(ensial

be#er$asa"a en&an berba&ai ins(ansi 'e"erin(ah, Disa"'in& i(!) a#an '!la i#a$i "en&enai

berba&ai ha"ba(an ala" 'e"bia*aan !n(!# se#(%r5se#(%r *an& (ina( 'er(!"b!han

#rei(n*a "asih rela(i+ renah, Ter#ai( en&an #eb!(!han 'e"bia*aan se#(%r5se#(%r *an&

secara #%"ersial (ia# i"ina(i %leh 'erban#an na"!n "e"ili#i 'eran s(ra(e&is ala"

'ere#%n%"ian) Ban# In%nesia bersa"a5sa"a en&an 'e"erin(ah a#an "en&e"banan

berba&ai s#i" 'e"bia*aan,

Ban# In%nesia '!n ber#e(e(a'an !n(!# "en&a"bil '%sisi #e'e"i"'inan ala" "enen(!#an

arah #ebi$a#an 'en&e"ban&an $asa 'e"ba*aran #e e'an, K%%rinasi #ebi$a#an an(ar ins(ansi

an %(%ri(as a#an (er!s ib!(!h#an) (erlebih #arena (era'a( 'en&e"ban&an $asa 'e"ba*aran

*an& "eliba(#an 'iha# i l!ar ban# sen(ral, Pen&e"ban&an in!s(ri $asa 'e"ba*aran nasi%nal

#e e'an a#an ila#!#an "elal!i se$!"lah !'a*a *ai(! :

;, Per(a"a) 'enina(an #ea"anan an #ehanalan 'en*elen&&araan $asa 'e"ba*aran

"elal!i 'enera'an "i(i&asi risi#% (er"as!# "e"an+aa(#an #e"a$!an (e#n%l%&i) 'en&!a(an

#erana h!#!") 'en&!a(an 'en&a/asan) ser(a 'enina(an 'eran in!s(ri $asa 'e"ba*aran

nasi%nal6

2, Ke!a) 'enina(an e+isiensi 'en*elen&&araan $asa 'e"ba*aran nasi%nal) (er"as!#

"en%r%n& (erci'(an*a in(er%'erabili(as an in(er#%ne#si i an(ara berba&ai 'en*elen&&ara

$asa 'e"ba*aran,

1, Ke(i&a) 'enina(an 'erlin!n&an #%ns!"en "elal!i 'enina(an (rans'aransi %leh

'ela#! $asa 'e"ba*aran) ser(a 'en&!a(an 'en&a(!ran 'erlin!n&an #%ns!"en,

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Berba&ai 'r%&ra" 'en&e"ban&an $asa 'e"ba*aran nasi%nal i(!anan ala" ce(a# bir!)

*an& secara (er'a! "en$ai 'e%"an ala" "e/!$!#an sis(e" 'e"ba*aran *an& e+isien)

a"an an hanal,

BAB III PEBA7ASAN

as*ara#a( in%nesia san&a( "ena"ba#an 'erban#an *an& han*a seha( an #!a( sa$a) (a'i

$!&a ber'eran secara e+e#(i+ an e+isien ala" "ela#!#an 'en&el%han 'ere#%n%"ian

in%nesia an "en$a&a #es(abilan 'ere#%n%"ian in%nesia, Dala" ar(i "en$a&a #es(abilan

*an& i"a#s! en&an "en$a&a nilai r!'iah an(ara lain (erhaa' har&a5har&a baran& an $asa,

Peran #es(abilan nilai (!#ar san&a( 'en(in& ala" "enca'ai s(abili(as har&a an sis(e"

#e!an&an, Oleh #arenan*a) Ban# In%nesia $!&a "en$alan#an #ebi$a#an nilai (!#ar !n(!#

"en&!ran&i 9%la(ili(as nilai (!#ar *an& berlebihan) b!#an !n(!# "en&arah#an nilai (!#ar 'aale9el (er(en(!,

Ban# In%nesia "e"ili#i #e/enan&an !n(!# "ela#!#an #ebi$a#an "%ne(er "elal!i

'ene(a'an sasaran5sasaran "%ne(er -se'er(i !an& berear a(a! s!#! b!n&a. en&an (!$!an

!(a"a "en$a&a sasaran la$! in+lasi *an& i(e(a'#an %leh Pe"erin(ah, Secara %'erasi%nal)

'en&enalian sasaran5sasaran "%ne(er (erseb!( "en&&!na#an ins(r!"en5ins(r!"en) an(ara

lain %'erasi 'asar (erb!#a i 'asar !an& bai# r!'iah "a!'!n 9al!(a asin&) 'ene(a'an (ina(

is#%n(%) 'ene(a'an caan&an /a$ib "ini"!") an 'en&a(!ran #rei( a(a! 'e"bia*aan, Ban#

In%nesia $!&a a'a( "ela#!#an cara5cara 'en&enalian "%ne(er berasar#an Prinsi'

S*ariah,

h((':>>///,bi,&%,i>/eb>i>Perban#an>I#h(isarPerban#an>ArahKebi$a#anPerban#an>

BI Sia' K%%rinasi#an Kebi$a#an %ne(er en&an OJK

1; A!&!s( 23;2 ;2:44 IB

Kehairan O(%ri(as Jasa Ke!an&an "e"b!a( Ban# In%nesia sia' "ela#!#an #%%rinasi

#ebi$a#an "%ne(er en&an "en*el!r!h, Pa!l!s Y%&aJa#ar(aBan# In%nesia -BI. "eliha(

in(era#si #ebi$a#an +is#al an "%ne(er "en$ai #!nci 'en(in& ala" "en$a&a 'er(!"b!han

'ere#%n%"ian In%nesia, Dala" 'er#e"ban&ann*a) en&an #ehairan O(%ri(as Jasa

Ke!an&an -OJK. #%%rinasi "%ne(er bai# ari sisi "a#r% an "i#r% $!&a 'erl! ila#!#an,

Sela"a '!l!han (ah!n se#(%r "%ne(er an se#(%r 'erban#an aa sa(! a(a' i BI sehin&&a

(ia# ib!a( in(era#si2rae0orsecara cer"a( an(ara "a#r% "%ne(er an "i#r% 'erban#an)

!$ar G!bern!r Ban# In%nesia Dar"in Nas!(i%n) ala" Pel!nc!ran b!#! K%%rinasi an

In(era#si Kebi$a#an Fis#al5%ne(er: Tan(an&an #e De'an i Ge!n& BI) Ja#ar(a) J!"a() 1;A&!s(!s 23;2,

http://www.bi.go.id/web/id/Perbankan/Ikhtisar+Perbankan/Arah+Kebijakan+Perbankan/http://www.bi.go.id/web/id/Perbankan/Ikhtisar+Perbankan/Arah+Kebijakan+Perbankan/

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Ia "en$elas#an) se$a# BI i'!(!s#an "en$ai le"ba&a ine'enen "elal!i Unan&5!nan&

Ban# In%nesia) a'a *an& (er$ai ala" 'e"b!a(an #ebi$a#an "a#r% an "i#r% "%ne(er (ia#

i'er"asalah#an "asalah2rae0or,

In(era#sin*a se'er(i a'a) i BI $!&a #i(a "erasa#an i(! hari5hari ini, Nah) 'aa /a#(! OJK

s!ah "!lai ber$alan (iba5(iba #i(a "erasa#an 'en(in&n*a "e"aha"i #erana an in(era#si

#e!an*a an(ara "i#r% an "a#r%) !ca'n*a,

Ia "ena"bah#an) ban# sen(ral ala" (ah!n5(ah!n (era#hir "enc%ba "er!"!s#an in(era#si

(ia# han*a "%ne(er an +is#al (a'i $!&a an(ara "i#r% an "a#r%,

Sa*a #ira isi(!lah 'en(in&n*a) aa hal *an& sela"a '!l!han (ah!n (ia# (erlal! icer"a(i

en&an bai#) (anasn*a, -V.

Kebi$a#an %ne(er 8ebih E+e#(i+ i era OJK

i"a* se"birin&

Febr!ar* 21) 23;4E#%n%"i) P%li(i# Pe"erin(ahan

C%""en(s

Bali#'a'anPen&a"a( e#%n%"i ari Uni9ersi(as In%nesia 8ana S%elis(ianin&sih

"e"'resi#i 'asca iserah(eri"a#an 'en&a/asan ban# ari Ban# In%nesia #e O(%ri(as Jasa

Ke!an&an -OJK.) a#an "en&!a(#an #ebi$a#an "%ne(er Ban# In%nesia, Ins(r!"en(

ins(r!"en( #ebi$a#an "%ne(er (erseb!( an(ara lain %'erasi 'asar (erb!#a) r!'iah an 9alas an

'en&a(!ran #rei( a(a! 'e"bia*aan,

8ebih lan$!( 8ana "en$elas#an) OJK iben(!# en&an (!$!an a&ar #e&ia(an 'aa sec(%r $asa

#e!an&an a'a( "elin!n&i #e'en(in&an #%ns!"en an "as*ara#a(, Disa"'in& $!&a

(erselen&&ara secara (era(!r) ail) (rans'aran an a#!n(abel,

Kas!s In%nesia ini) lan$!( 8ana) Ban# In%nesia secara "acr%'r!en(ial) "en$alan#an

!nan& !nan& BI N%"%r 1 (ah!n 2334 (er!(a"a ala" (!&as an /e/enan& seba&ai %(%ri(as

#ebi$a#an "%ne(er, U(a"an*a "ens(abil#an nilai r!'iah bai# ala" #%n(ers in+lasi "a!'!n

nilai (!#ar, Se"en(ara OJK secara icr%'r!en(ial "en$alan#an Unan& !nan& OJK n%"%r

2; (ah!n 23;3 an 'en&a(!ran 'en&a/asan sec(%r $asa #e!an&an,

A-a!un euntungan -ari !eisahan terse.ut antara lain e.i/aan oneter en/a-i le.ih

2ocus untu enca!ai sta.ilitas nilai ru!iah -an in2orasi engenai !er.anan ang

-i!eroleh $JK .isa e.uat e.i/aan oneter le.ih e2eti2,6'a'ar 8ana,

Se"en(ara ca(a(an 8ana !n(!# e#%n%"i In%nesia (ah!n 23;4 ini) a#an aa 'erbai#an

+!na"en(al e#%n%"i *an& berlan$!() (er#ai( en&an ber#!ran&n*a e+ici( (ransa#si ber$alan

(erhaa' 'b *an& bisa #e"bali iba/ah 1 , Selain i(! ia $!&a "e"'r%*e#si a#an aa

hara'an "e"bai#n*a e#%n%"i &l%bal *an& bisa "en%r%n& e#s'%r In%nesia,

E2e !engeluaran -ala a!ane untu !eilu .isa e.uat eonoi "n-onesia relati4e

tertahan -ari !erla.atan ang ta/a,6'!nasn*a,

8ATAR BE8AKANG

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Bah/a !n(! "e/!$!#an 'ere#%n%"ian nasi%nal *an& "a"'! (!"b!h secara ber#elan$!(an

an s(abil) i'erl!#an #e&ia(an i ala" se#(%r $asa #e!an&an *an& (erselen&&a secara (era(!r)

ail) (rans'aran) an a#!n(abel) ser(a "a"'! "e/!$!#an sis(e" #e!an&an *an& (!"b!h

secara ber#elan$!(an an s(abil) an "a"'! "elin!n&i #e'en(in&an #%ns!"en an

"as*ara#a(, Per"asalahan *an& ihaa'i aalah #%"'le#si(as (ransa#si an in(era#si

an(arle"ba&a $asa #e!an&an i ala" sis(e" #e!an&an) 'er"asalahan lin(as se#(%ral i se#(%r

$asa #e!an&an *an& "eli'!(i (ina#an oral ha7ar-) bel!" %'(i"aln*a 'erlin!n&an

#%ns!"en $asa #e!an&an) an (er&an&&!n*a s(abili(as sis(e" #e!an&an,

Seh!b!n&an en&an hal (erseb!( ia(as) 'erl! ila#!#an 'ena(aan #e"bali s(r!#(!r

'en&%r&anisasian ari le"ba&a5le"ba&a *an& "ela#sana#an (!&as 'en&a(!ran an

'en&a/asan i se#(%r $asa #e!an&an an& "enca#!' se#(%r 'erban#an) 'asar "%al)

'eras!ransian) ana 'ensi!n) le"ba&a 'e"bia*aan) an le"ba&a #e!an&an lainn*a,

O(%ri(as Jasa #e!an&an -OJK. aalah le"ba&a *an& ine'enen an bebas ari ca"'!r

(an&an 'iha# lain) *an& "e"ili#i +!n&si) (!&as) an /e/enan& 'en&a(!ran) 'en&a/asan)

'e"eri#saan) an 'en*ii#an seba&ai"ana i"a#s! ala" Unan&5Unan&, OJK iben(!#

an ilan(asi en&an 'rinsi'5'rinsi' (a(a #el%la *an& bai#) *an& "eli'!(i ine'enensi)

a#!n(abili(as) 'er(an&&!n&$a/aban) (rans'aransi) an #e/a$aran, Se$a# (an&&al 1; Dese"ber

23;2) +!n&si) (!&as) an /e/enan& 'en&a(!ran an 'en&a/asan #e&ia(an $asa se#(%r

#e!an&an i se#(%r Pasar %al) Pen&as!ransian) Dana Pensi!n) 8e"ba&a Pe"bia*aan) an

8e"ba&a Jasa Ke!an&an 8ainn*a beralih ari en(eri Ke!an&an an Baan Pen&a/as Pasar

%al an 8e"ba&a Ke!an&an #e OJK, Se$a# (an&&al 1; Dese"ber 23;1) +!n&si) (!&as) an

/e/enan& 'en&a(!ran an 'en&a/asan #e&ia(an $asa #e!an&an i se#(%r Perban#an beralih

ari Ban# In%nesia #e OJK

TUJUAN) FUNGSI) TUGAS) DAN EENANG

OJK iben(!# en&an (!$!an a&ar #esel!r!han #e&ia(a i alah se#(%r $asa #e!an&an:a, Terselen&&ara secara (era(!r) ail) (rans'aran) an a#!n(abel

b, a"'! "e/!$!#an sis(e" #e!an&an *an& (!"b!h secara ber#elan$!(an an s(abil

c, a"'! "elin!n&i #e'en(in&an #%ns!"en an "as*ara#a(

OJK ber+!n&si "en*elen&&ara#an sis(e" 'en&a(!ran an 'en&a/asan *an& (erin(e&rasi

(erhaa' #esel!r!han #e&ia(an i ala" se#(%r $asa #e!an&an OJK "ela#sana#an (!&as an

/e/enan& 'en&a(!ran an 'en&a/asan (erhaa' :

;, Ke&ia(an $asa #e!an&an i se#(%r'erban#an (er#ai( en&an'en&a(!ran an

'en&a/asanSG; :

;,;, 'en&a(!ran an 'en&a/asan "en&enai #ele"ba&aan ban# *an& "eli'!(i :

a, Periinan 'enirian ban#) 'e"b!#aan #an(%r ban#) an&&aran asar) rencana #er$a)

#e'e"ili#an) #e'en&!r!san an s!"ber a*a "an!sia) "er&er) #%ns%liasi an a#!isisi ban#)

ser(a 'encab!(an iin !saha ban#

b, Ke&ia(an !saha ban#) an(ara lain s!"ber ana) 'en*eiaan ana) 'r%!# hibriasi) an

a#(i9i(as i bian& #er$a

;,2, 'en&a(!ran an 'en&a/asan "en&enai #eseha(an ban# *an& "eli'!(i :

a, 8i#!ii(as) ren(abili(as) s%l9abili(as) #!ali(as ase() rasi% #ec!#!'an "%al "ini"!") ba(as

"a#si"!" 'e"berian #rei() rasi% 'in$a"an (erhaa' si"'anan) an 'encaan&an ban#

b, 8a'%ran ban# *an& (er#ai( en&an #eseha(an an #iner$a ban#

c, Sis(e" in+%r"asi ebi(!r

, Pen&!$ian #re(

e, S(anar a#!n(ansi ban#;,1, 'en&a(!ran an 'en&a/asan "en&enai as'e# #eha(i5ha(ian ban#) "eli'!(i

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a, ana$e"en risi#%

b, Ta(a #el%la ban#

c, Prinsi' "en&enal nasabah an an(i 'enc!cian !an&

, Pence&ahan 'e"bia*aan (er%ris"e an #e$aha(an 'erban#an

;,4, Pe"eri#saan ban#

2, Ke&ia(an $asa #e!an&an i se#(%r Pasar %al1, Ke&ia(an $asa #e!an&an i se#(%rPen&as!ransian) Dana Pensi!n) 8e"ba&a Pe"bia*aan)

an8e"ba&a Jasa Ke!an&an 8ainn*aSG2, Un(!# "ela#sana#an (!&as 'en&a(!ran

seba&ai"ana i"a#s!) OJK "e"'!n*ai /e/enan& :

;, "ene(a'#an 'era(!ran 'ela#sanaan Unan&5Unan&

2, "ene(a'#an 'era(!ran 'er!nan&5!nan&an i se#(%r $asa #e!an&an

1, "ene(a'#an 'era(!ran an #e'!(!san OJK

4, "ene(a'#an 'era(!ran "en&enai 'en&a/asan se#(%r $asa #e!an&an

?, "ene(a'#an #ebi$a#an "en&enai 'ela#saan (!&as OJK

@, "ene(a'#an 'era(!ran "en&enai (a(a cara 'ene(a'an 'erin(ah (er(!lis (erha'a 8e"ba&a

Jasa Ke!an&an

=, "ene(a'#an 'era(!ran "en&enai (a(a cara 'er(a'a 'en&el%la s(a(!(er 'aa 8e"ba&a JasaKe!an&an

Un(!# "ela#sana#an (!&as 'en&a/asan seba&ai "ana i"a#s! "e"'!n*ai /e/enan& :

;, "ene(a'#an #ebi$a#an %'erasi%nal 'en&a/asan (erhaa' #e&ia(an $asa #e!an&an

2, "ene(a'#an #ebi$a#an (!&as 'en&a/asan *an& ila#sana#an %leh Ke'ala E#sl!si+

1, "ela#!#an 'en&a/asan) 'e"er#saan) 'en*ii#an) 'erlin!n&an K%ns!"en) an (ina#an

lain (erhaa' 8e"ba&a Jasa Ke!an&an seba&ai"ana i"a#s

4, "e"beri#an 'erin(ah (er(!lis #e'aa 8e"ba&a Jasa Ke!an&an an>a(a! 'iha# (er(en(!

?, "ela#!#an 'en!n$!#an 'en&el%la s(a(!(er

@, "ene(a'#an 'en&&!naan'en&el%la s(a(!(erSG1

=, "ene(a'#an san#si a"inis(ra(i9e (erhaa' 'iha# *an& "ela#!#an ''elan&&aran (erhaa'

'era(!ran 'er!nan&5!nan&an i se#(%r $asa #e!an&an

0, "e"beri#an an>a(a! "encab!(:

a, iin !saha

b, iin %ran& 'erse%ran&an

c, e+e#(i+n*a 'ern*a(aan 'ena+(ar

, s!ra( (ana (era+(ar

e, 'erse(!$!an "ela#!#an #e&ia(an !saha

+, 'en&esahan Perse(!$!an a(a! 'ene(a'an 'e"b!baran

&, 'ene(a'an lain seba&ai"ana i"a#s! ala" 'era(!ran 'er!nan&5!nan&an i se#(%r $asa

#e!an&a

PER8INDUNGAN KONSUEN DAN ASYARAKAT

Un(!# 'erlin!n&an K%ns!"en an "as*ara#a() OJK ber/enan& "ela#!#an (ina#an

'ence&ahan #er!&ian K%ns!"e an "as*ara#a() *an& "eli'!(i :

a, "e"beri#an in+%r"asi an e!#asi #e'aa "as*ara#a( a(as #ara#(eris(i# se#(%r $asa

#e!an&an) la*anan) an 'r%!#n*a

b, "e"in(a 8e"ba&a Jasa Ke!an&an !n(!# "en&hen(i#an #e&ia(ann*a a'abila #e&ia(an

(erseb!( ber'%(ensi "er!&i#an "as*ara#a(

c, (ina#an lain *an& ian&&a' 'erl! ses!ai en&an #e(en(!an 'era(!ran 'er!nan&5!nan&an

i se#(%r $asa #e!an&an

OJK "ela#!#an 'ela*anan 'en&a!an K%ns!"en "eli'!(i :

a, "en*ia'#an 'erana( *an& "e"aai !n(!# la*anan 'en&a!an K%ns!"en *an& ir!&i#an

%leh 'ela#! i 8e"ba&a Jasa Ke!an&an

https://www.blogger.com/nullhttps://www.blogger.com/nullhttps://www.blogger.com/blogger.g?blogID=2325589952986466627#_msocom_2https://www.blogger.com/nullhttps://www.blogger.com/blogger.g?blogID=2325589952986466627#_msocom_3https://www.blogger.com/blogger.g?blogID=2325589952986466627#_msocom_3https://www.blogger.com/nullhttps://www.blogger.com/blogger.g?blogID=2325589952986466627#_msocom_2https://www.blogger.com/nullhttps://www.blogger.com/blogger.g?blogID=2325589952986466627#_msocom_3

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b, "e"b!a( "e#anis"e 'en&a!an K%ns!"en *an& ir!&i#an %leh 'ela#! i 8e"ba&a Jasa

Ke!an&an

c, "e"+asili(asi 'en*elesaian 'en&a!an K%ns!"en *an& ir!&i#an %leh 'ela#! i 8e"ba&a

Jasa Ke!an&an ses!ai en&an 'er!nan&5!nan&an i se#(%r $asa #e!an&an

Un(!# 'erlin!n&an K%ns!"en an "as*ara#a() OJK ber/enan& "ela#!#an 'e"belaan

h!#!") *an& "eli'!(i :a, "e"erin(ah#an a(a! "ela#!#an (ina#an (er(en(! #e'aa 8e"ba&a Jasa Ke!an&an !n(!#

"en*elesai#an 'en&a!an K%ns!"en *an& ir!&i#an 8e"ba&a Jasa Ke!an&an i"a#s!6

b, "en&a$!#an &!&a(an :

;, !n(!# "e"'er%leh #e"bali har(a #e#a*aan "ili# 'iha# *an& ir!&i#an ari 'iha# *an&

"en*ebab#an #er!&ian) bai# beraa i ba/ah 'en&!asaan 'ha# *an& "en*ebab#an #er!&ian

i"a#s! "a!'!n i ba/ah 'en&!asaan 'iha# lain en&an i(i#a (ia# bai#6 an>a(a!

2, !n(!# "e"'er%leh &an(i #er!&ian ari 'iha# *an& "en*ebab#an #er!&ian 'aa K%ns!"en

an>a(a! 8e"ba&a Jasa Ke!an&an seba&ai a#iba( ari 'elan&&aran a(as 'era(!ran 'er!nan&5

!nan&an i se#(%r $asa #e!an&an

Ke(en(!an lebih lan$!( "en&enai 'erlin!n&an K%ns!"en an "as*ara#a( ia(!r en&an

Pera(!ran OJK,

7UBUNGAN KE8EBAGAAN

Dala" "ela#sana#an (!&asn*a) OJK ber#%%rinasi en&an Ban# In%nesia ala" "e"b!a(

'era(!ran 'en&a/asan i bian& Perban#an an(ara lain :

a, #e/a$bian 'e"en!han "%al "ini"!" ban#

b, sis(e" in+%r"asi 'erban#an *an& (er'a!

c, #ebi$a#an 'eneri"aan ana ari l!ar ne&eri) 'eneri"aan ana 9al!(a asin&) an 'in$a"an

#%"ersial i l!ar ne&eri

, 'r%!# 'erban#an) (ransa#si eri9a(i+) #e&ia(an !sah