uu21tahun2011
TRANSCRIPT
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UNDANG-UNDANG REPUBLIK INDONESIA
NOMOR 21 TAHUN 2011
TENTANG OTORITAS JASA
KEUANGAN
DENGAN RAHMAT TUHAN YANG MAHA ESA
PRESIDEN REPUBLIK INDONESIA,
Menimban ! a" ba#$a %n&%' me$%(%)'an *e+e'nmian naina. /an mam*%
&%mb%# ea+a be+'e.an(%&an )an &abi., )i*e+.%'an'eia&an )i )a.am e'&+ (aa 'e%anan /an &e+e.ena+a ea+a
&e+a&%+, a)i., &+an*a+an, )an a'%n&abe., e+&a mam*% me$%(%)'an
i&em 'e%anan /an &%mb%# ea+a be+'e.an(%&an )an &abi., )anmam*% me.in)%ni 'e*en&inan 'n%men )an ma/a+a'a&
b" ba#$a be+)aa+'an *e+&imbanan ebaaimana )ima'%) )a.am #%+%a, )i*e+.%'an &+i&a (aa 'e%anan /an memi.i'i %ni, &%a, )an$e$enan *ena&%+an )an *ena$aan &e+#a)a* 'eia&an )i )a.ame'&+ (aa 'e%anan ea+a &e+*a)%, in)e*en)en, )an a'%n&abe.
" ba#$a be+)aa+'an *e+&imbanan ebaaimana )ima'%) )a.am #%+% a
)an #%+% b, *e+.% memben&%' Un)an- Un)an &en&an O&+i&a Jaa
Ke%anan
Menina& ! 1" Paa. 3 a/a& 415, Paa. 20, )an Paa. 66 Un)an-Un)an
Daa+ Nea+a Re*%b.i' In)neia Ta#%n 1783
2" Un)an-Un)an Nm+ 26 Ta#%n 1777 &en&an Ban'
In)neia 4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n
1777 Nm+ 99, Tamba#an Lemba+an Nea+a Re*%b.i'
In)neia Nm+ 6:865 ebaaimana &e.a# bebe+a*a 'a.i )i%ba#
&e+a'#i+ )enan Un)an-Un)an Nm+ 9 Ta#%n
2007 &en&an Pene&a*an Pe+a&%+an Peme+in&a# Penan&i
Un)an-Un)an Nm+ 2 Ta#%n 200: &en&an Pe+%ba#an
Ke)%a a&a Un)an-Un)an Nm+ 26 Ta#%n 1777 &en&an
Ban' """
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8" Lembaa """
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Ban' In)neia Men(a)i Un)an-Un)an 4Lemba+an Nea+a
Re*%b.i' In)neia Ta#%n 2007 Nm+ ;, Tamba#an Lemba+an
Nea+a Re*%b.i' In)neia Nm+87925
Denan Pe+e&%(%an Be+ama
DE
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10" Lembaa """
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8" Lembaa Jaa Ke%anan a)a.a# .embaa /an
me.a'ana'an 'eia&an )i e'&+ Pe+ban'an, Paa+ M)a.,
Pe+a%+anian, Dana Peni%n, LembaaPembia/aan, )an Lembaa Jaa Ke%anan Lainn/a"
3" Pe+ban'an a)a.a# ea.a e%a&% /an men/an'%& &en&an ban',mena'%* 'e.embaaan, 'eia&an %a#a, e+&a a+a )an *+e )a.am
me.a'ana'an 'eia&an %a#an/a ea+a 'n=enina. )an /a+ia#
ebaaimana )ima'%) )a.am %n)an-%n)an menenai *e+ban'an )an%n)an-%n)an menenai *e+ban'an /a+ia#"
9" Paa+ M)a. a)a.a# 'eia&an /an be+an'%&an )enan Pena$a+an
Um%m )an *e+)aanan Ee', Pe+%a#aan P%b.i' /an be+'ai&an)enan Ee' /an )i&e+bi&'ann/a, e+&a .embaa )an *+ei /an
be+'ai&an )enan Ee' ebaaimana )ima'%) )a.am %n)an-%n)an
menenai *aa+ m)a."
;" Pe+a%+anian a)a.a# %a#a *e+a%+anian /an be+e+a' )i
e'&+ %a#a a%+ani, /ai&% %a#a (aa 'e%anan /an )enanmen#im*%n )ana ma/a+a'a& me.a.%i *en%m*%.an *+emi
a%+ani membe+i'an *e+.in)%nan 'e*a)a an&a ma/a+a'a&
*ema'ai (aa a%+ani &e+#a)a* &imb%.n/a 'e+%ian 'a+ena%a&% *e+i&i$a /an &i)a' *a&i a&a% &e+#a)a* #i)%* a&a% menina.n/a
ee+an, %a#a +ea%+ani, )an %a#a *en%n(an %a#a a%+ani /an
men/e.ena+a'an (aa 'e*e+an&a+aan, *eni.aian 'e+%ian a%+ani )an
(aa a'&%a+ia, ebaaimana )ima'%) )a.am %n)an-%n)an menenai%a#a *e+a%+anian"
:" Dana Peni%n a)a.a# ba)an #%'%m /an mene..a )an men(a.an'an
*++am /an men(an(i'an manaa& *eni%n ebaaimana )ima'%))a.am %n)an-%n)an menenai )ana *eni%n"
7" Lembaa Pembia/aan a)a.a# ba)an %a#a /an me.a'%'an 'eia&an *embia/aan )a.am ben&%'*en/e)iaan )ana a&a% ba+an m)a. ebaaimana )ima'%)
)a.am *e+a&%+an *e+%n)an-%n)anan menenai.embaa *embia/aan"
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1:" Men&e+i """
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10" Lembaa Jaa Ke%anan Lainn/a a)a.a# *e+a)aian, .embaa
*en(aminan, .embaa *embia/aan e'*+ In)neia,
*e+%a#aan *embia/aan e'%n)e+ *e+%ma#an, )an .embaa/an men/e.ena+a'an *ene..aan )ana ma/a+a'a& /an
be+ia& $a(ib, me.i*%&i *en/e.ena+a *++am (aminan ia.,
*eni%n, )an 'ee(a#&e+aan, ebaaimana )ima'%) )a.am*e+a&%+an *e+%n)an-%n)anan menenai *e+a)aian,
*en(aminan, .embaa *embia/aan e'*+ In)neia, *e+%a#aan*embia/aan e'%n)e+ *e+%ma#an, )an *ene..aan )ana ma/a+a'a&
/an be+ia& $a(ib, e+&a .embaa (aa 'e%anan .ain /an )in/a&a'an)ia$ai .e# OJK be+)aa+'an *e+a&%+an *e+%n)an-%n)anan"
11" Pe+a&%+an OJK a)a.a# *e+a&%+an &e+&%.i /an )i&e&a*'an .e# De$an
Kmiine+, meni'a& ea+a %m%m, )an )i%n)an'an )a.am
Lemba+an Nea+a Re*%b.i' In)neia"
12" Pe+a&%+an De$an Kmiine+ a)a.a# *e+a&%+an &e+&%.i /an
)i&e&a*'an .e# De$an Kmiine+ )an meni'a& )i .in'%nan
in&e+na. OJK"
16" Ban' In)neia a)a.a# Ban' Sen&+a. Re*%b.i' In)neia ebaaimana
)ima'%) )a.am Un)an-Un)an Daa+ Nea+a Re*%b.i' In)neiaTa#%n 1783"
18" Lembaa Pen(amin Sim*anan a)a.a# Lembaa Pen(amin Sim*anan
ebaaimana )ima'%) )a.am %n)an-%n)an menenai .embaa
*en(amin im*anan"
13" Kn%men a)a.a# *i#a'-*i#a' /an menem*a&'an )anan/a)an>a&a% memanaa&'an *e.a/anan /an &e+e)ia )i
Lembaa Jaa Ke%anan an&a+a .ain naaba# *a)a Pe+ban'an, *em)a.
)i Paa+ M)a., *emean *.i *a)a Pe+a%+anian, )an *ee+&a *a)a
Dana Peni%n, be+)aa+'an *e+a&%+an *e+%n)an-%n)anan )i e'&+(aa 'e%anan"
19" Peme+in&a# a)a.a# *eme+in&a# Re*%b.i' In)neia"
1;" G%be+n%+ Ban' In)neia a)a.a# *emim*in me+an'a* an&a
De$an G%be+n%+ Ban' In)neia"
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425 OJK """
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1:" Men&e+i Ke%anan a)a.a# men&e+i /an
men/e.ena+a'an %+%an *eme+in&a#an )i bi)an
'e%anan"
17" Ke&%a De$an Kmiine+ Lembaa Pen(amin Sim*anan a)a.a#
*emim*in me+an'a* an&a De$an Kmiine+ Lembaa Pen(aminSim*anan"
20" Ex-officio a)a.a# (aba&an ee+an *a)a .embaa &e+&en&% 'a+ena &%a)an 'e$enanann/a *a)a .embaa .ain"
21" Kmi&e E&i' a)a.a# +an *en)%'%n De$an Kmiine+ /an be+&%a
mena$ai 'e*a&%#an De$an Kmiine+, *e(aba& )an *ea$ai OJK
&e+#a)a* ')e e&i'"
22" De$an A%)i& a)a.a# +an *en)%'%n De$an Kmiine+ /anbe+&%a me.a'%'an e=a.%ai a&a *e.a'anaan &%a OJK
e+&a men/%%n &an)a+ a%)i& )an mana(emen +ii' OJK"
26" Pani&ia Se.e'i a)a.a# *ani&ia /an )iben&%' .e# P+ei)en /an
be+&%a %n&%' memi.i# )an mene&a*'an a.n an&a De$an
Kmiine+ %n&%' )iam*ai'an 'e*a)a P+ei)en"
28" Se&ia* O+an a)a.a# +an *e+e+anan a&a% '+*+ai"
23" ?+%m K+)inai S&abi.i&a Si&em Ke%anan a)a.a# +%m '+)inai
/an )iben&%' %n&%' men(aa &abi.i&a i&em 'e%anan /anan&an/a &e+)i+i a&a Men&e+i Ke%anan e.a'% '+)ina&+
me+an'a* an&a, G%be+n%+ Ban' In)neia e.a'% an&a, Ke&%a
De$an Kmiine+ Lembaa Pen(amin Sim*anan e.a'% an&a, )anKe&%a De$an Kmiine+ OJK e.a'% an&a"
BAB IIPEMBENTUKAN, STATUS, DAN TEMPAT KEDUDUKAN
Paa. 2
415 Denan Un)an-Un)an ini )iben&%' OJK"
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Paa. 9 """
- 9 -
425 OJK a)a.a# .embaa /an in)e*en)en )a.am me.a'ana'an
&%a )an $e$enann/a, beba )a+i am*%+
&anan *i#a' .ain, 'e%a.i %n&%' #a.-#a. /an ea+a &ea )ia&%+)a.am Un)an-Un)an ini"
Paa. 6
415 OJK be+'e)%)%'an )i ib% '&a Nea+a Kea&%an Re*%b.i'
In)neia"
425 OJK )a*a& mem*%n/ai 'an&+ )i )a.am )an )i .%a+ $i.a/a#
Nea+a Kea&%an Re*%b.i' In)neia /an )iben&%'
e%ai )enan 'eb%&%#an"
BAB III
TUJUAN, ?UNGSI, TUGAS, DAN
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" *ena&%+an """
- ; -
Paa. 9
OJK me.a'ana'an &%a *ena&%+an )an *ena$aan &e+#a)a*!
a" 'eia&an (aa 'e%anan )i e'&+ Pe+ban'an
b" 'eia&an (aa 'e%anan )i e'&+ Paa+ M)a. )an
" 'eia&an (aa 'e%anan )i e'&+ Pe+a%+anian, Dana Peni%n,
Lembaa Pembia/aan, )an Lembaa Jaa Ke%ananLainn/a"
Paa. ;
Un&%' me.a'ana'an &%a *ena&%+an )an *ena$aan )i e'&+ Pe+ban'an
ebaaimana )ima'%) )a.am Paa. 9 #%+% a, OJK mem*%n/ai
$e$enan!
a" *ena&%+an )an *ena$aan menenai 'e.embaaan ban' /anme.i*%&i!
1" *e+i@inan %n&%' *en)i+ian ban', *emb%'aan 'an&+ ban',
ana+an )aa+, +enana 'e+(a, 'e*emi.i'an, 'e*en%+%an )an
%mbe+ )a/a man%ia, me+e+, 'n.i)ai )an a'%iii ban',e+&a *enab%&an i@in %a#a ban' )an
2" 'eia&an %a#a ban', an&a+a .ain %mbe+ )ana, *en/e)iaan)ana, *+)%' #ib+i)ai, )an a'&i=i&a )i bi)an (aa
b" *ena&%+an )an *ena$aan menenai 'ee#a&an ban' /an
me.i*%&i!
1" .i'%i)i&a, +en&abi.i&a, .=abi.i&a, '%a.i&a ae&, +ai
'e%'%*an m)a. minim%m, ba&a ma'im%m *embe+ian
'+e)i&, +ai *in(aman &e+#a)a*im*anan, )an *ena)anan ban'
2" .a*+an ban' /an &e+'ai& )enan 'ee#a&an )an 'ine+(a ban'
6" i&em in+mai )ebi&%+
8" *en%(ian '+e)i& 4credit testing5 )an
3" &an)a+ a'%n&ani ban'
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Paa. 7 """
- : -
" *ena&%+an )an *ena$aan menenai a*e' 'e#a&i- #a&ian ban',
me.i*%&i!
1" mana(emen +ii'
2" &a&a 'e..a ban'
6" *+ini* menena. naaba# )an an&i *en%ian %an
)an
8" *enea#an *embia/aan &e++ime )an 'e(a#a&an *e+ban'an)an
)" *eme+i'aan ban'"
Paa. :
Un&%' me.a'ana'an &%a *ena&%+an ebaaimana )ima'%)
)a.am Paa. 9, OJK mem*%n/ai $e$enan!
a" mene&a*'an *e+a&%+an *e.a'anaan Un)an-Un)an ini
b" mene&a*'an *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa
'e%anan
" mene&a*'an *e+a&%+an )an 'e*%&%an OJK
)" mene&a*'an *e+a&%+an menenai *ena$aan )i e'&+ (aa
'e%anan
e" mene&a*'an 'ebi(a'an menenai *e.a'anaan &%a
OJK
" mene&a*'an *e+a&%+an menenai &a&a a+a *ene&a*an *e+in&a#
&e+&%.i &e+#a)a* Lembaa Jaa Ke%anan )an *i#a' &e+&en&%
" mene&a*'an *e+a&%+an menenai &a&a a+a *ene&a*an *ene..a&a&%&e+ *a)a Lembaa Jaa Ke%anan
#" mene&a*'an &+%'&%+ +aniai )an in+a&+%'&%+, e+&a mene..a,meme.i#a+a, )an mena&a%a#a'an 'e'a/aan )an 'e$a(iban )an
i" mene&a*'an *e+a&%+an menenai &a&a a+a *enenaan an'i e%ai)enan 'e&en&%an *e+a&%+an *e+%n)an- %n)anan )i e'&+ (aa'e%anan"
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BAB I """
- 7 -
Paa. 7
Un&%' me.a'ana'an &%a *ena$aan ebaaimana )ima'%)
)a.am Paa. 9, OJK mem*%n/ai $e$enan!
a" mene&a*'an 'ebi(a'an *e+aina. *ena$aan &e+#a)a* 'eia&an (aa
'e%anan
b" mena$ai *e.a'anaan &%a *ena$aan /an )i.a'ana'an
.e# Ke*a.a E'e'%&i
" me.a'%'an *ena$aan, *eme+i'aan, *en/i)i'an, *e+.in)%nan
Kn%men, )an &in)a'an .ain &e+#a)a* Lembaa Jaa Ke%anan,
*e.a'%, )an>a&a% *en%n(an 'eia&an (aa 'e%anan ebaaimana
)ima'%) )a.am *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa
'e%anan
)" membe+i'an *e+in&a# &e+&%.i 'e*a)a Lembaa Jaa
Ke%anan )an>a&a% *i#a' &e+&en&%
e" me.a'%'an *en%n(%'an *ene..a &a&%&e+
" mene&a*'an *en%naan *ene..a &a&%&e+
" mene&a*'an an'i a)mini&+a&i &e+#a)a* *i#a' /an me.a'%'an
*e.ana+an &e+#a)a* *e+a&%+an *e+%n)an- %n)anan )i e'&+ (aa
'e%anan )an
#" membe+i'an )an>a&a% menab%&!
1" i@in %a#a
2" i@in +an *e+e+anan
6" ee'&in/a *e+n/a&aan *en)a&a+an8" %+a& &an)a &e+)a&a+
3" *e+e&%(%an me.a'%'an 'eia&an %a#a
9" *enea#an
;" *e+e&%(%an a&a% *ene&a*an *emb%ba+an )an
:" *ene&a*an .ain,
ebaaimana )ima'%) )a.am *e+a&%+an *e+%n)an- %n)anan )i
e'&+ (aa 'e%anan"
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Baian """
- 10 -
BAB I DE
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4;5 Pani&ia """
- 11 -
Baian Ke)%a
Penan'a&an )an Pembe+#en&ian
Paa. 11
415 An&a De$an Kmiine+ ebaaimana )ima'%) )a.am Paa.10 a/a& 485 #%+% a am*ai )enan #%+% )i*i.i# .e# De$an
Pe+$a'i.an Ra'/a& be+)aa+'an a.n an&a /an )i%%.'an .e#
P+ei)en"
425 Pemi.i#an )an *enen&%an a.n an&a De$an Kmiine+%n&%' )i%%.'an 'e*a)a P+ei)en ebaaimana
)ima'%) *a)a a/a& 415 )i.a'ana'an .e# Pani&ia Se.e'i /an)iben&%' )enan Ke*%&%an P+ei)en!
a" *a.in in'a& 9 4enam5 b%.an ebe.%m be+a'#i+n/a maa
(aba&an an&a De$an Kmiine+ a&a%
b" *a.in .ama 2 4)%a5 b%.an e(a' &ana. 'e'nan (aba&an
a&a% *ene&a*an *embe+#en&ian an&a De$anKmiine+ 'a+ena a.aan ebaaimana )ima'%)
)a.am Paa. 1; a/a& 415 #%+% a, #%+% b, #%+% ), #%+% e, #%+% ,#%+% , #%+% #, #%+% i, )an>a&a% #%+% ("
465 Pani&ia Se.e'i ebaaimana )ima'%) *a)a a/a& 425
be+an&a'an 7 4embi.an5 +an /an &e+)i+i a&a %n%+ Peme+in&a#,
Ban' In)neia, )an ma/a+a'a&"
485 Pani&ia Se.e'i men%m%m'an *ene+imaan a.n an&a De$anKmiine+ ebaaimana )ima'%) *a)a a/a& 415 'e*a)a ma/a+a'a&*a.in .ama 3 4.ima5 #a+i 'e+(a e&e.a# )i&e&a*'ann/a Pani&ia
Se.e'i ebaaimana )ima'%) *a)a a/a& 425"435 Pen)a&a+an a.n )i.a'%'an )a.am $a'&% 12 4)%a be.a5
#a+i 'e+(a ea+a &e+% mene+%"
495 Pani&ia Se.e'i me.a'%'an e.e'i a)mini&+a&i &e+#a)a* a.n
an&a De$an Kmiine+ ebaaimana )ima'%) *a)a a/a& 435"
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- 12 -
4;5 Pani&ia Se.e'i men%m%m'an nama a.n /an &e.a# .%.% e.e'i
a)mini&+a&i %n&%' men)a*a&'an ma%'an )a+i ma/a+a'a& *a.in
.ama 3 4.ima5 #a+i 'e+(a e(a' be+a'#i+n/a $a'&% *en)a&a+an
a.n ebaaimana )ima'%) *a)a a/a& 435"
4:5 Ma%'an ebaaimana )ima'%) *a)a a/a& 4;5 )iam*ai'an
'e*a)a Pani&ia Se.e'i )a.am $a'&% 12 4)%a be.a5 #a+i 'e+(a &e+#i&%n
e(a' &ana. )i%m%m'an"
475 Pani&ia Se.e'i me.a'%'an *eni.aian )an *emi.i#an e+&a
men/am*ai'an a.n an&a De$an Kmiine+ 'e*a)a P+ei)en
eban/a' 6 4&ia5 +an a.n %n&%' e&ia* an&a De$an Kmiine+
/an )ib%&%#'an, *a.in .ama
12 4)%a be.a5 #a+i 'e+(a &e+#i&%n e(a' be+a'#i+n/a (an'a $a'&%
ebaaimana )ima'%) *a)a a/a& 4:5"
Paa. 12
415 P+ei)en memi.i# )an men/am*ai'an a.n an&a De$an
Kmiine+ eban/a' 2 4)%a5 +an a.n %n&%' e&ia* an&aDe$an Kmiine+ /an )ib%&%#'an 'e*a)a De$an Pe+$a'i.an
Ra'/a&, *a.in .ama 12 4)%a be.a5 #a+i 'e+(a &e+#i&%n e(a' &ana.
)i&e+iman/a nama a.n an&a De$an Kmiine+ )a+i
Pani&ia Se.e'i ebaaimana )ima'%) )a.am Paa. 11 a/a& 475"
425 Da+i a.n an&a De$an Kmiine+ ebaaimana )ima'%) *a)a
a/a& 415, P+ei)en mena(%'an eban/a'
2 4)%a5 +an a.n an&a De$an Kmiine+ %n&%' )i*i.i# .e#De$an Pe+$a'i.an Ra'/a& ebaai Ke&%a De$an Kmiine+"
465 a.n an&a De$an Kmiine+ /an &i)a' &e+*i.i# men(a)i Ke&%a
De$an Kmiine+ ebaaimana )ima'%) *a)a a/a& 425
)ii'%&e+&a'an %n&%' )i*i.i# ebaai an&a De$an
Kmiine+ .e# De$an Pe+$a'i.an Ra'/a&"
485 De$an """
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465 An&a """
- 16 -
485 De$an Pe+$a'i.an Ra'/a& memi.i# a.n an&a De$an Kmiine+
e%ai )enan (%m.a# an&a De$an
Kmiine+ /an )ib%&%#'an, *a.in .ama 83 4em*a&*%.%# .ima5 #a+i 'e+(a e(a' )i&e+iman/a nama- nama a.n an&a
De$an Kmiine+ )a+i P+ei)en ebaaimana )ima'%) *a)a a/a& 415"
435 a.n an&a De$an Kmiine+ &e+*i.i# )iam*ai'an De$an
Pe+$a'i.an Ra'/a& 'e*a)a P+ei)en *a.in .ama 3 4.ima5 #a+i 'e+(a
e(a' e.eain/a *+e *emi.i#an a.n an&a De$an Kmiine+ebaaimana )ima'%) *a)a a/a& 485"
495 P+ei)en menan'a& )an mene&a*'an a.n &e+*i.i# ebaai an&a
De$an Kmiine+ *a.in .ama 60 4&ia *%.%#5 #a+i 'e+(a &e+#i&%n
e(a' &ana. )i&e+iman/a nama a.n an&a De$anKmiine+ &e+*i.i# )a+i De$an Pe+$a'i.an Ra'/a&"
Paa. 16
415 An&a De$an Kmiine+ ebaaimana )ima'%) )a.am Paa.10 a/a& 485 #%+% # )ian'a& )an )i&e&a*'an P+ei)en be+)aa+'an
%%.an G%be+n%+ Ban' In)neia"
425 An&a De$an Kmiine+ ebaaimana )ima'%) )a.am Paa.
10 a/a& 485 #%+% i )ian'a& )an )i&e&a*'an P+ei)en be+)aa+'an
%%.an Men&e+i Ke%anan"
Paa. 18
415 Ke&%a,
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425 B%n/i """
- 18 -
465 An&a De$an Kmiine+ ebaaimana )ima'%) Paa.
10 a/a& 485 #%+% a am*ai )enan #%+% )ian'a&
%n&%' maa (aba&an 3 4.ima5 &a#%n )an )a*a& )ian'a& 'emba.i
%n&%' 1 4a&%5 'a.i maa (aba&an"
Paa. 13
S/a+a& a.n an&a De$an Kmiine+ ebaaimana )ima'%) )a.amPaa. 10 a/a& 485 #%+% a am*ai )enan #%+% a)a.a# ebaai be+i'%&!
a" $a+a nea+a In)neia
b" memi.i'i a'#.a', m+a., )an in&e+i&a /an bai'
" a'a* me.a'%'an *e+b%a&an #%'%m
)" &i)a' *e+na# )in/a&a'an *ai.i& a&a% &i)a' *e+na# men(a)i *en%+%
*e+%a#aan /an men/ebab'an *e+%a#aan &e+eb%& *ai.i&
e" e#a& (amani
" be+%ia *a.in &ini 93 4enam *%.%# .ima5 &a#%n *a)a aa&
)i&e&a*'an
" mem*%n/ai *ena.aman a&a% 'ea#.ian )i e'&+ (aa 'e%anan
)an
#" &i)a' *e+na# )i(a&%#i *i)ana *en(a+a be+)aa+'an *%&%an
*ena)i.an /an &e.a# mem*%n/ai 'e'%a&an #%'%m &e&a* 'a+ena
me.a'%'an &in)a' *i)ana /an )ianam )enan #%'%man 3 4.ima5&a#%n a&a% .ebi#"
Paa. 19
415 Ke&%a,
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e" &i)a' """
- 13 -
425 B%n/i .aa. %m*a# a&a% (an(i ebaaimana )ima'%) *a)a a/a& 415
a)a.a# ebaai be+i'%&!
Saya bersumpah/berjanji bahwa saya, untuk menjadi Ketua/aki!Ketua/anggota "ewan Komisioner #$K !angsung atau tidak !angsungdengan nama dan da!ih apapun tidak memberikan atau menjanjikanuntuk memberikan sesuatu kepada siapapun%.
Saya bersumpah/berjanji bahwa saya, da!am me!akukan atau tidakme!akukan sesuatu da!am jabatan ini, tidak akan menerima !angsungatau tidak !angsung dari siapapun sesuatu janji atau pemberianda!am bentuk apapun%.
Saya bersumpah/berjanji bahwa saya akan me!aksanakan tugas dan
kewajiban sebagai Ketua/aki! Ketua/anggota "ewan Komisioner
#$K dengan sebaik- baiknya dan dengan penuh rasa tanggung jawab
berdasarkan peraturan perundang-undangan yang berkenaan dengantugas dan kewajiban tersebut%.
Saya bersumpah/berjanji bahwa saya akan setia kepada &egara
Kesatuan 'epub!ik (ndonesia dan )ndang-)ndang "asar &egara
'epub!ik (ndonesia tahun *+%.
Paa. 1;
415 An&a De$an Kmiine+ &i)a' )a*a& )ibe+#en&i'an ebe.%m
maa (aba&ann/a be+a'#i+, 'e%a.i a*abi.a memen%#ia.aan ebaai be+i'%&!
a" menina. )%nia
b" men%n)%+'an )i+i
" maa (aba&ann/a &e.a# be+a'#i+ )an &i)a' )i*i.i# 'emba.i
)" be+#a.anan &e&a* e#ina &i)a' )a*a&
me.a'ana'an &%a a&a% )i*e+'i+a'an ea+a me)i &i)a' )a*a&
me.a'ana'an &%a .ebi# )a+i 9 4enam5 b%.an be+&%+%&-&%+%&
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- 19 -
e" &i)a' men(a.an'an &%an/a ebaai an&a De$an Kmiine+
.ebi# )a+i 6 4&ia5 b%.an be+&%+%&-&%+%& &an*a a.aan /an )a*a&
)i*e+&an%n(a$ab'an
" &i)a' .ai men(a)i an&a De$an G%be+n%+ Ban' In)neiabai an&aEx-officio De$an Kmiine+ /an be+aa.)a+i Ban' In)neia ebaaimana )ima'%) )a.am Paa. 10a/a& 485 #%+% #
" &i)a' .ai men(a)i *e(aba& e&in'a& ee.n I *a)aKemen&e+ian Ke%anan bai an&a Ex-officioDe$an Kmiine+ /an be+aa. )a+i Kemen&e+ian Ke%ananebaaimana )ima'%) )a.am Paa. 10 a/a& 485 #%+% i
#" memi.i'i #%b%nan 'e.%a+a am*ai )e+a(a& 'e)%a )an>a&a%emen)a )enan an&a De$an
Kmiine+ .ain )an &i)a' a)a a&% *%n /anmen%n)%+'an )i+i )a+i (aba&ann/a
i" me.ana+ ')e e&i' a&a%
(" &i)a' .ai memen%#i a.a# a&% /a+a& ebaaimana )ima'%)
)a.am Paa. 13 )an me.ana+ .a+anan ebaaimana )ima'%))a.am Paa. 22"
425 Pembe+#en&ian ebaaimana )ima'%) *a)a a/a& 415 )i%%.'an
.e# De$an Kmiine+ 'e*a)a P+ei)en %n&%'
men)a*a&'an *ene&a*an"
Baian Ke&iaPenan&ian An&a+$a'&%
Paa. 1:
415 Da.am #a. an&a De$an Kmiine+ ebaaimana )ima'%)
)a.am Paa. 10 a/a& 485 #%+% a am*ai )enan #%+% ,
)ibe+#en&i'an 'a+ena a.aan ebaaimana )ima'%) )a.am Paa.1; a/a& 415 #%+% a, #%+% b, #%+% ), #%+% e, #%+% , #%+% ,
#%+% #, #%+% i, )an>a&a% #%+% (, )i.a'ana'an *enan&ian an&a
De$an Kmiine+ an&a+$a'&% e%ai )enan &a&a a+a *emi.i#anan&a De$an Kmiine+ ebaaimana )ia&%+ )a.am Un)an-
Un)an ini"
425 An&a """
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- 1; -
425 An&a De$an Kmiine+ *enan&i )ian'a& %n&%'menan&i'an (aba&an an&a De$an Kmiine+ /an )ibe+#en&i'anebaaimana )ima'%) *a)a a/a& 415 )an me.an(%&'an ia maa(aba&an an&a De$an Kmiine+ /an )ian&i'an"
465 Penan&ian an&a De$an Kmiine+ ebaaimana )ima'%)
*a)a a/a& 415 &i)a' )i.a'%'an a*abi.a ia maa(aba&an an&aDe$an Kmiine+ /an )ibe+#en&i'an '%+an )a+i 1 4a&%5 &a#%n"
Paa. 17
415 Da.am #a. Ke&%a De$an Kmiine+ )ibe+#en&i'an 'a+ena
a.aan ebaaimana )ima'%) )a.am Paa. 1; a/a& 415, a&a% a&a%
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- 1: -
485 Da.am #a. an&a De$an Kmiine+ ebaaimana )ima'%)
)a.am Paa. 10 a/a& 485 #%+% am*ai )enan #%+% )ibe+#en&i'an 'a+ena a.aan ebaaimana )ima'%))a.am Paa. 1; a/a& 415, be+)aa+'an 'ee*a'a&an De$an
Kmiine+, a.a# a&% an&a De$an Kmiine+, 'e%a.ian&a De$an Kmiine+ Ex-officio ebaaimana)ima'%) )a.am Paa. 10 a/a& 485 #%+% # )an #%+% i, be+&in)a'
ebaai *e(aba& emen&a+a %n&%' me.a'ana'an &%a )an$e$enan an&a De$an Kmiine+ &e+eb%& am*ai )enan
)i&e&a*'ann/a an&a De$an Kmiine+ /an ba+%"
Baian Keem*a&
T%a )an a&a% Ke*%&%an De$an Kmiine+"
Baian Ke.ima
La+anan
Paa. 22
An&a De$an Kmiine+ )i.a+an!
a" memi.i'i ben&%+an 'e*en&inan )i Lembaa JaaKe%anan /an )ia$ai .e# OJK
b" men(a)i """
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465 Da.am """
- 17 -
b" men(a)i *en%+% )a+i +aniai *e.a'% a&a% *+ei )i
Lembaa Jaa Ke%anan
" men(a)i *en%+% *a+&ai *.i&i' )an
)" men)%)%'i (aba&an *a)a .embaa .ain, 'e%a.i )a.am +an'a
*e.a'anaan %ni, &%a, )an $e$enan OJK )an>a&a% *en%aanbe+)aa+'an 'e&en&%an *e+a&%+an *e+%n)an-%n)anan"
Paa. 26
415 An&a+an&a De$an Kmiine+ )i.a+an mem*%n/ai #%b%nan
'e.%a+a am*ai )e+a(a& 'e)%a )an emen)a"
425 Ji'a an&a+an&a De$an Kmiine+ &e+b%'&i memi.i'i #%b%nan'e.%a+a ebaaimana )ima'%) *a)a a/a& 415, a.a# e+an
)i an&a+a me+e'a $a(ib men%n)%+'an )i+i )a+i (aba&ann/a
)a.am $a'&% 60 4&ia *%.%#5 #a+i &e+#i&%n e(a' &e+b%'&i mem*%n/ai#%b%nan 'e.%a+a"
465 Da.am #a. &i)a' a)a a&% *%n an&a De$an Kmiine+ /an men%n)%+'an )i+i ebaaimana )ima'%)*a)a a/a& 425, em%a an&a De$an
Kmiine+ /an mem*%n/ai #%b%nan 'e.%a+a &e+eb%&)ibe+#en&i'an )a+i (aba&ann/a .e# P+ei)en"
Baian Keenam
Ra*a& )an Penambi.an Ke*%&%an
Paa. 28
415 De$an Kmiine+ me.a'ana'an +a*a& De$an Kmiine+
ea+a be+'a.a *a.in e)i'i& 1 4a&%5 'a.i )a.am 2 4)%a5 min% a&a%
e$a'&%-$a'&% be+)aa+'an *e+min&aan a.a# a&% an&a De$anKmiine+"
425 Ke&%a De$an Kmiine+ memim*in +a*a& De$an
Kmiine+"
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465 Ke&en&%an """
- 20 -
465 Da.am #a. Ke&%a De$an Kmiine+ be+#a.anan, a&a% 'e*a)a *e(aba& OJK a&a% *i#a' .ain
%n&%' me$a'i.i OJK /an '#%% )i'%aa'an %n&%' i&%"
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BAB I """
- 21 -
465 Ke&en&%an menenai &a&a a+a *en%aan )an
*embe+ian '%aa 'e*a)a *i#a' .ain ebaaimana
)ima'%) *a)a a/a& 425 )ia&%+ )enan Pe+a&%+an De$an
Kmiine+"
BAB
ORGANISASI DAN KEPEGA
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Paa. 60 """
- 22 -
BAB I
PERLINDUNGAN KONSUMEN DAN MASYARAKAT
Paa. 2:
Un&%' *e+.in)%nan Kn%men )an ma/a+a'a&, OJK be+$enanme.a'%'an &in)a'an *enea#an 'e+%ian Kn%men )an ma/a+a'a&,
/an me.i*%&i!
a" membe+i'an in+mai )an e)%'ai 'e*a)a ma/a+a'a& a&a
'a+a'&e+i&i' e'&+ (aa 'e%anan, .a/anan, )an *+)%'n/a
b" memin&a Lembaa Jaa Ke%anan %n&%' men#en&i'an 'eia&ann/a
a*abi.a 'eia&an &e+eb%& be+*&eni
me+%i'an ma/a+a'a& )an
" &in)a'an .ain /an )iana* *e+.% e%ai )enan 'e&en&%an
*e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa 'e%anan"
Paa. 27
OJK me.a'%'an *e.a/anan *ena)%an Kn%men /an me.i*%&i!
a" men/ia*'an *e+an'a& /an mema)ai %n&%' *e.a/anan *ena)%an
Kn%men /an )i+%i'an .e# *e.a'% )i Lembaa Jaa Ke%anan
b" memb%a& me'anime *ena)%an Kn%men /an )i+%i'an
.e# *e.a'% )i Lembaa Jaa Ke%anan )an
" memai.i&ai *en/e.eaian *ena)%an Kn%men /an )i+%i'an
.e# *e.a'% )i Lembaa Jaa Ke%anan e%ai
)enan *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa
'e%anan"
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- 26 -
Paa. 60
415 Un&%' *e+.in)%nan Kn%men )an ma/a+a'a&, OJK be+$enan
me.a'%'an *embe.aan #%'%m, /an me.i*%&i!
a" meme+in&a#'an a&a% me.a'%'an &in)a'an &e+&en&% 'e*a)a
Lembaa Jaa Ke%anan %n&%'
men/e.eai'an *ena)%an Kn%men /an)i+%i'an Lembaa Jaa Ke%anan )ima'%)
b" mena(%'an %a&an!
1" %n&%' mem*e+.e# 'emba.i #a+&a 'e'a/aan mi.i'
*i#a' /an )i+%i'an )a+i *i#a' /an men/ebab'an
'e+%ian, bai' /an be+a)a )i ba$a# *en%aaan *i#a'
/an men/ebab'an 'e+%ian )ima'%) ma%*%n )i
ba$a# *en%aaan *i#a' .ain )enan i&i'a) &i)a' bai'
)an>a&a%
2" %n&%' mem*e+.e# an&i 'e+%ian )a+i *i#a' /an
men/ebab'an 'e+%ian *a)a Kn%men )an>a&a%
Lembaa Jaa Ke%anan ebaai a'iba&
)a+i *e.ana+an a&a *e+a&%+an
*e+%n)an-%n)anan )i e'&+ (aa 'e%anan"
425 Gan&i 'e+%ian ebaaimana )ima'%) a/a& 415 #%+% b an'a 2
#an/a )i%na'an %n&%' *emba/a+an an&i 'e+%ian 'e*a)a *i#a'
/an )i+%i'an"
Paa. 61
Ke&en&%an .ebi# .an(%& menenai *e+.in)%nan Kn%men )an
ma/a+a'a& )ia&%+ )enan Pe+a&%+an OJK"
BAB II """
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- 28 -
BAB II
KODE ETIK DAN KERAHASIAAN IN?ORMASI
Baian Kea&%
K)e E&i'
Paa. 62
415 De$an Kmiine+ mene&a*'an )an menea''an ')e e&i' OJK"
425 Ke&en&%an .ebi# .an(%& menenai ')e e&i' ebaaimana )ima'%)
a/a& 415 )ia&%+ )enan Pe+a&%+an De$an Kmiine+"
Baian Ke)%a
Ke+a#aiaan In+mai
Paa. 66
415 Se&ia* +an *e+e+anan /an men(aba& a&a% *e+na# men(aba&ebaai an&a De$an Kmiine+, *e(aba& a&a% *ea$ai OJK)i.a+an men%na'an a&a% men%n'a*'an in+mai a*a*%n /an be+ia& +a#aia 'e*a)a *i#a' .ain, 'e%a.i)a.am +an'a *e.a'anaan %ni, &%a, )an$e$enann/a be+)aa+'an 'e*%&%an OJK a&a% )i$a(ib'an .e#
Un)an-Un)an"425 Se&ia* O+an /an be+&in)a' %n&%' )an a&a nama OJK, /an
)i*e'e+(a'an )i OJK, a&a% ebaai &a a#.i )i OJK, )i.a+anmen%na'an a&a% men%n'a*'an in+mai a*a *%n /an
be+ia& +a#aia 'e*a)a *i#a' .ain, 'e%a.i )a.am +an'a
*e.a'anaan %ni, &%a, )an $e$enann/a be+)aa+'an'e*%&%an OJK a&a% )i$a(ib'an .e# Un)an-Un)an"
465 Se&ia* """
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- 23 -
465 Se&ia* O+an /an mene&a#%i in+mai /an be+ia& +a#aia,
bai' 'a+ena 'e)%)%'ann/a, *+ein/a, ebaai *i#a' /an
)ia$ai, ma%*%n #%b%nan a*a *%n )enan OJK,)i.a+an men%na'an a&a% men%n'a*'an in+mai
&e+eb%& 'e*a)a *i#a' .ain, 'e%a.i )a.am +an'a *e.a'anaan %ni,
&%a, )an $e$enann/a be+)aa+'an 'e*%&%an OJK a&a%)i$a(ib'an .e# Un)an-Un)an"
485 Pe.ana+an &e+#a)a* 'e&en&%an a/a& 415, a/a& 425, )an a/a& 465
)a*a& )i'enai an'i a)mini&+a&i )an>a&a% an'i.ainn/a e%ai
)enan 'e&en&%an *e+a&%+an *e+%n)an-%n)anan"
435 Ke&en&%an .ebi# .an(%& menenai 'e+a#aiaan, *en%naan,
)an *en%n'a*an in+mai ebaaimana )ima'%) *a)a a/a& 415,a/a& 425, )an a/a& 465, )ia&%+ )enan Pe+a&%+an De$an Kmiine+"
BAB III
RENANA KERJA DAN ANGGARAN
Paa. 68
415 De$an Kmiine+ men/%%n )an mene&a*'an +enana 'e+(a )an
ana+an OJK"
425 Ana+an OJK be+%mbe+ )a+i Ana+an Pen)a*a&an )an Be.an(aNea+a )an>a&a% *%n%&an )a+i *i#a' /an me.a'%'an 'eia&an )i
e'&+ (aa 'e%anan"
465 Ke&en&%an .ebi# .an(%& menenai +enana 'e+(a )an ana+an
OJK ebaaimana )ima'%) *a)a a/a& 415 )ia&%+ )enan Pe+a&%+an
De$an Kmiine+"
Paa. 63
415 Ana+an OJK ebaaimana )ima'%) )a.am Paa. 68 a/a& 425
)i%na'an %n&%' membia/ai 'eia&an *e+aina.,
a)mini&+a&i, *ena)aan ae& e+&a 'eia&an*en)%'%n .ainn/a"
425 Ana+an """
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- 29 -
425 Ana+an )an *en%naan ana+an %n&%' membia/ai 'eia&an
ebaaimana )ima'%) *a)a a/a& 415 )i&e&a*'an
be+)aa+'an &an)a+ /an $a(a+ )i e'&+ (aa 'e%anan )an)i'e%a.i'an )a+i &an)a+ bia/a %m%m, *+e *ena)aan ba+an )an
(aa, )an i&em +em%ne+ai ebaaimana )ia&%+ )a.am
*e+a&%+an *e+%n)an-%n)anan /an &e+'ai& )enan Ana+anPen)a*a&an )an Be.an(a Nea+a, *ena)aan ba+an )an (aa
Peme+in&a#, )an i&em +em%ne+ai"
465 Un&%' men)%'%n 'eia&an *e+aina. OJK, Peme+in&a#
)a*a& me.a'%'an *enem*a&an )ana a$a. 'e OJK"
485 Ke&en&%an .ebi# .an(%& menenai &an)a+ bia/a, *+e *ena)aan
ba+an )an (aa, )an i&em +em%ne+ai )ia&%+ )enan Pe+a&%+anDe$an Kmiine+"
Paa. 69
Un&%' *ene&a*an ana+an ebaaimana )ima'%) )a.am Paa. 68 a/a& 415
)an a/a& 425, OJK &e+.ebi# )a#%.% memin&a *e+e&%(%an De$an Pe+$a'i.an
Ra'/a&"
Paa. 6;
415 OJK menena'an *%n%&an 'e*a)a *i#a' /an me.a'%'an
'eia&an )i e'&+ (aa 'e%anan"
425 Pi#a' /an me.a'%'an 'eia&an )i e'&+ (aa 'e%anan
$a(ib memba/a+ *%n%&an /an )i'ena'an OJK ebaaimana)ima'%) *a)a a/a& 415"
465 P%n%&an ebaaimana )ima'%) *a)a a/a& 415 a)a.a# *ene+imaanOJK"
485 OJK mene+ima, mene..a, )an mena)mini&+ai'an *%n%&anebaaimana )ima'%) *a)a a/a& 465 ea+a a'%n&abe. )an man)i+i"
435 Da.am """
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- 2; -
435 Da.am #a. *%n%&an /an )i&e+ima *a)a &a#%n be+(a.an me.ebi#i
'eb%&%#an OJK %n&%' &a#%n ana+an be+i'%&n/a,
'e.ebi#an &e+eb%& )ie&+'an 'e Ka Nea+a"
495 Ke&en&%an .ebi# .an(%& menenai *%n%&an ebaaimana
)ima'%) *a)a a/a& 415 )ia&%+ )enan Pe+a&%+an Peme+in&a#"
BAB IC
PELAPORAN DAN AKUNTABILITAS
Paa. 6:
415 OJK $a(ib men/%%n .a*+an 'e%anan /an &e+)i+i a&a .a*+an
'e%anan eme&e+an )an &a#%nan"
425 OJK $a(ib men/%%n .a*+an 'eia&an /an &e+)i+i a&a .a*+an
'eia&an b%.anan, &+i$%.anan, )an &a#%nan"465 Da.am #a. De$an Pe+$a'i.an Ra'/a& meme+.%'an *en(e.aan,
OJK $a(ib men/am*ai'an .a*+an"
485 Pe+i)e .a*+an 'e%anan ebaaimana )ima'%) *a)a a/a& 415
a)a.a# &ana. 1 Jan%a+i am*ai )enan 61
Deembe+"
435 OJK $a(ib men/am*ai'an .a*+an 'eia&an &+i$%.anan
ebaaimana )ima'%) *a)a a/a& 425 'e*a)a De$an Pe+$a'i.an
Ra'/a& ebaai ben&%' *e+&an%n(a$aban 'e*a)a ma/a+a'a&"
495 La*+an 'eia&an &a#%nan ebaaimana )ima'%) *a)a a/a& 425
)iam*ai'an 'e*a)a P+ei)en )an De$an Pe+$a'i.an Ra'/a&"
4;5 Un&%' *en/%%nan .a*+an 'e%anan ebaaimana )ima'%)
*a)a a/a& 415, De$an Kmiine+
mene&a*'an &an)a+ )an 'ebi(a'an a'%n&ani OJK"
4:5 La*+an """
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- 2: -
4:5 La*+an 'e%anan &a#%nan ebaaimana )ima'%) *a)a a/a& 415
)ia%)i& .e# Ba)an Peme+i'a Ke%anan a&a% Kan&+ A'%n&an P%b.i'
/an )i&%n(%' .e# Ba)an Peme+i'a Ke%anan"
475 OJK $a(ib men%m%m'an .a*+an &a#%nan OJK 'e*a)a
*%b.i' me.a.%i me)ia e&a' )an me)iae.e'&+ni'"
4105 Ke&en&%an .ebi# .an(%& menenai ben&%' )an %%nan .a*+an'e%anan ebaaimana )ima'%) *a)a a/a& 415 )an .a*+an 'eia&anebaaimana )ima'%) *a)a a/a& 425, e+&a &a&a a+a, ben&%', )an%%nan .a*+an /an )i%m%m'an 'e*a)a *%b.i' )ia&%+ )enanPe+a&%+an De$an Kmiine+"
BAB C HUBUNGAN
KELEMBAGAAN
Baian Kea&%K+)inai )an Ke+(a Sama
Paa. 67
Da.am me.a'ana'an &%an/a, OJK be+'+)inai )enan Ban'
In)neia )a.am memb%a& *e+a&%+an *ena$aan )i bi)an Pe+ban'an
an&a+a .ain!
a" 'e$a(iban *emen%#an m)a. minim%m ban'
b" i&em in+mai *e+ban'an /an &e+*a)%
" 'ebi(a'an *ene+imaan )ana )a+i .%a+ nee+i, *ene+imaan
)ana =a.%&a ain, )an *in(aman 'me+ia. .%a+ nee+i
)" *+)%' *e+ban'an, &+ana'i )e+i=a&i, 'eia&an %a#a ban' .ainn/a
e" *enen&%an in&i&%i ban' /an ma%' 'a&e+isystemica!!y important bank )an
" )a&a """
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Paa. 82 """
- 27 -
" )a&a .ain /an )i'e%a.i'an )a+i 'e&en&%an &en&an 'e+a#aiaan
in+mai"
Paa. 80
415 Da.am #a. Ban' In)neia %n&%' me.a'ana'an %ni, &%a, )an$e$enann/a meme+.%'an *eme+i'aan '#%% &e+#a)a* ban'
&e+&en&%, Ban' In)neia )a*a& me.a'%'an *eme+i'aan
.an%n &e+#a)a* ban' &e+eb%& )enan men/am*ai'an
*embe+i&a#%an ea+a &e+&%.i &e+.ebi# )a#%.% 'e*a)a OJK"
425 Da.am me.a'%'an 'eia&an *eme+i'aan ebaaimana )ima'%)
*a)a a/a& 415, Ban' In)neia &i)a' )a*a& membe+i'an *eni.aian
&e+#a)a* &in'a& 'ee#a&an ban'"
465 La*+an #ai. *eme+i'aan ban' ebaaimana )ima'%)
*a)a a/a& 415 )iam*ai'an 'e*a)a OJK *a.in
.ama 1 4a&%5 b%.an e(a' )i&e+bi&'ann/a .a*+an #ai. *eme+i'aan"
Paa. 81
415 OJK menin+mai'an 'e*a)a Lembaa Pen(amin Sim*anan
menenai ban' be+maa.a# /an e)an )a.am
%*a/a *en/e#a&an .e# OJK ebaaimana )ima'%)
)a.am *e+a&%+an *e+%n)an-%n)anan"
425 Da.am #a. OJK menin)i'ai'an ban' &e+&en&%mena.ami 'e%.i&an .i'%i)i&a )an>a&a% 'n)ii
'ee#a&an ema'in memb%+%', OJK ee+a
menin+mai'an 'e Ban' In)neia %n&%'
me.a'%'an .an'a#-.an'a# e%ai )enan
'e$enanan Ban' In)neia"
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485 Da.am """
- 60 -
Paa. 82
Lembaa Pen(amin Sim*anan )a*a& me.a'%'an
*eme+i'aan &e+#a)a* ban' /an &e+'ai& )enan %ni, &%a )an$e$enann/a, e+&a be+'+)inai &e+.ebi# )a#%.% )enan OJK"
Paa. 86
OJK, Ban' In)neia, )an Lembaa Pen(amin Sim*anan $a(ib
memban%n )an meme.i#a+a a+ana *e+&%'a+an in+mai
ea+a &e+in&e+ai"
Baian Ke)%a
P+&'. K+)inai
Paa. 88
415 Un&%' men(aa &abi.i&a i&em 'e%anan, )iben&%' ?+%m
K+)inai S&abi.i&a Si&em Ke%anan )enan an&a &e+)i+i a&a!
a" Men&e+i Ke%anan e.a'% an&a me+an'a*
'+)ina&+
b" G%be+n%+ Ban' In)neia e.a'% an&a
" Ke&%a De$an Kmiine+ OJK e.a'% an&a )an )" Ke&%a
De$an Kmiine+ Lembaa Pen(aminSim*anan e.a'% an&a"
425 ?+%m K+)inai S&abi.i&a Si&em Ke%anan )iban&%
'ee'+e&a+ia&an /an )i*im*in a.a# e+an *e(aba& ee.n I )i
Kemen&e+ian Ke%anan"
465 Penambi.an 'e*%&%an )a.am +a*a& ?+%m K+)inai S&abi.i&a
Si&em Ke%anan be+)aa+'an m%/a$a+a# %n&%' m%a'a&"
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485 ?+%m """
- 61 -
485 Da.am #a. m%/a$a+a# %n&%' m%a'a& ebaaimana )ima'%)
*a)a a/a& 465 &i)a' &e+a*ai ma'a *enambi.an 'e*%&%an )i.a'%'an
be+)aa+'an %a+a &e+ban/a'"
Paa. 83
415 Da.am 'n)ii n+ma., ?+%m K+)inai S&abi.i&aSi&em Ke%anan!
a" $a(ib me.a'%'an *eman&a%an )an e=a.%ai &abi.i&a
i&em 'e%anan
b" me.a'%'an +a*a& *a.in e)i'i& 1 4a&%5 'a.i )a.am
6 4&ia5 b%.an
" memb%a& +e'men)ai 'e*a)a e&ia* an&a %n&%'
me.a'%'an &in)a'an )an>a&a% memb%a& 'ebi(a'an )a.am
+an'a meme.i#a+a &abi.i&a i&em 'e%anan )an
)" me.a'%'an *e+&%'a+an in+mai"425 Da.am 'n)ii &i)a' n+ma. %n&%' *enea#an )an *enananan
'+ii, Men&e+i Ke%anan, G%be+n%+ Ban' In)neia, Ke&%a De$an
Kmiine+ OJK, )an>a&a% Ke&%a De$an Kmiine+ Lembaa
Pen(amin Sim*anan /an menin)i'ai'an a)an/a *&eni '+iia&a% &e.a# &e+(a)i '+ii *a)a i&em 'e%anan, main-main )a*a&
mena(%'an 'e ?+%m K+)inai S&abi.i&a Si&em
Ke%anan %n&%' ee+a )i.a'%'an +a*a& %na mem%&%'an.an'a#-.an'a# *enea#an a&a% *enananan '+ii"
465 Men&e+i Ke%anan, G%be+n%+ Ban' In)neia, Ke&%a De$anKmiine+ OJK, )an Ke&%a De$an Kmiine+ Lembaa Pen(aminSim*anan be+$enan menambi. )an me.a'ana'an 'e*%&%an%n&%' )an a&a nama in&i&%i /an )i$a'i.in/a )a.am +an'a*enambi.an 'e*%&%an ?+%m K+)inai S&abi.i&a Si&emKe%anan, )a.am 'n)ii &i)a' n+ma. ebaaimana )ima'%)*a)a a/a& 425"
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- 62 -
485 ?+%m K+)inai S&abi.i&a Si&em Ke%anan mene&a*'an)an me.a'ana'an 'ebi(a'an /an )i*e+.%'an )a.am
+an'a *enea#an )an *enananan '+ii *a)a i&em'e%anan e%ai )enan 'e$enanan main-main"
435 Ke*%&%an ?+%m K+)inai S&abi.i&a Si&em Ke%anan/an &e+'ai& )enan *en/e.eaian )an
*enananan %a&% ban' aa. /an )i&ena+ai be+)am*a'i&emi' meni'a& Lembaa Pen(amin
Sim*anan"
Paa. 89
415 Kebi(a'an ?+%m K+)inai S&abi.i&a Si&em Ke%anan
/an &e+'ai& )enan 'e%anan nea+a $a(ib )ia(%'an %n&%'
men)a*a& *e+e&%(%an De$an Pe+$a'i.an Ra'/a&"
425 Ke*%&%an De$an Pe+$a'i.an Ra'/a& $a(ib )i&e&a*'an )a.am
$a'&% *a.in .ama 28 4)%a *%.%# em*a&5 (am e(a' *ena(%an*e+e&%(%an ebaaimana )ima'%) *a)a a/a& 415 )i&e+ima .e#De$an Pe+$a'i.an Ra'/a&"
Baian Ke&ia
H%b%nan In&e+naina.
Paa. 8;
415 OJK )a*a& me.a'%'an 'e+(a ama )enan &+i&a *ena$aLembaa Jaa Ke%anan )i nea+a .ain e+&a +aniai
in&e+naina. )an .embaa in&e+naina. .ainn/a,
an&a+a .ain *a)a bi)an )an>a&a% 'eia&an ebaai be+i'%&!
a" *enembanan 'a*ai&a 'e.embaaan, an&a+a .ain *e.a&i#an
%mbe+ )a/a man%ia )i bi)an*ena&%+an )an *ena$aan Lembaa Jaa
Ke%anan
b" *e+&%'a+an"""
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- 66 -
b" *e+&%'a+an in+mai )an
" 'e+(a ama )a.am +an'a *eme+i'aan )an *en/i)i'an
e+&a *enea#an 'e(a#a&an )i e'&+ 'e%anan"
425 OJK )a*a& men(a)i an&a +aniai *ena$a (aa 'e%anan
in&e+naina."
465 Da.am #a. *e+e&%(%an *e+(an(ian in&e+naina. )i e'&+ (aa
'e%anan men/an'%& maa.a# #%'%m )an be+)am*a' *a)ai&em 'e%anan naina., OJK $a(ib men)a*a&'an 'ni+mai )a+i
De$an Pe+$a'i.an Ra'/a&"
485 OJK )a*a& me.a'%'an 'e+(a ama )an membe+i'an ban&%an
)a.am +an'a *eme+i'aan )an *en/i)i'an /an )i.a'%'an .e#&+i&a *ena$a Lembaa Jaa Ke%anan nea+a .ain
be+)aa+'an *e+min&aan &e+&%.i"
435 Ke+(a ama )an *embe+ian ban&%an )a.am +an'a *eme+i'aan
)an *en/i)i'an ebaaimana )ima'%) *a)a a/a& 485 )a*a&)i.a'%'an a*abi.a!
a" &+i&a *ena$a Lembaa Jaa Ke%anan nea+a .ain&e+eb%& &e.a# memi.i'i *e+(an(ian 'e+(a ama &imba. ba.i'
)enan OJK )an
b" *e.a'anaan 'e+(a ama )an *embe+ian ban&%an &e+eb%&
&i)a' be+&en&anan )enan 'e*en&inan %m%m"
495 Ke+(a ama )an *embe+ian ban&%an )a.am +an'a *en/i)i'anebaaimana )ima'%) *a)a a/a& 485 )a*a& )i.a'%'an a*abi.a!
a" &+i&a *ena$a Lembaa Jaa Ke%anan nea+a .ain
&e+eb%& &e.a# memi.i'i *e+(an(ian 'e+(a ama &imba. ba.i'
)enan OJK )an
b" *e.a'anaan 'e+(a ama )an *embe+ian ban&%an &e+eb%&
)i.a'%'an e%ai )enan 'e&en&%an *e+a&%+an
*e+%n)an-%n)anan )i bi)an 'e+(a ama &imba. ba.i' )a.am
maa.a# *i)ana"
Paa. 8: """
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- 68 -
Paa. 8:
Sem%a ben&%' 'e+(a ama in&e+naina., &e+ma%' )i bi)an
*ena&%+an, *ena$aan, )an *en/i)i'an, $a(ib )i)aa+'an *a)a *+ini*&imba. ba.i' /an eimban"
BAB CIPENYIDIKAN
Paa. 87
415 Se.ain Pe(aba& Pen/i)i' Ke*.iian Nea+a Re*%b.i' In)neia,Pe(aba& Pea$ai Nee+i Si*i. &e+&en&% /an .in'%* &%a )an
&an%n (a$abn/a /an me.i*%&i *ena$aan e'&+ (aa 'e%anan
)i .in'%nan OJK, )ibe+i $e$enan '#%% ebaai*en/i)i' ebaaimana )ima'%) )a.am Ki&ab Un)an-Un)an
H%'%m Aa+a Pi)ana"
425 Pea$ai nee+i ebaaimana )ima'%) )a.am Paa. 2; a/a& 425
)a*a& )ian'a& men(a)i Pen/i)i' Pea$ai Nee+i Si*i.ebaaimana )ima'%) *a)a a/a& 415"
465 Pen/i)i' Pea$ai Nee+i Si*i. ebaaimana )ima'%) *a)a a/a&415 be+$enan!
a" mene+ima .a*+an, *embe+i&a#%an, a&a% *ena)%an
)a+i ee+an &en&an a)an/a &in)a' *i)ana )i e'&+ (aa'e%anan
b" me.a'%'an *ene.i&ian a&a 'ebena+an .a*+an a&a%'e&e+anan be+'enaan )enan &in)a' *i)ana )i e'&+ (aa
'e%anan
" me.a'%'an *ene.i&ian &e+#a)a* Se&ia* O+an /an )i)%a
me.a'%'an a&a% &e+.iba& )a.am &in)a' *i)ana )i
e'&+ (aa 'e%anan
)" memani. """
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Paa. 30 """
- 63 -
)" memani., meme+i'a, e+&a memin&a 'e&e+anan )an ba+an
b%'&i )a+i Se&ia* O+an /an )ian'a me.a'%'an, a&a%
ebaai a'i )a.am &in)a' *i)ana )i e'&+ (aa 'e%anan
e" me.a'%'an *eme+i'aan a&a *emb%'%an, a&a&an, )an)'%men .ain be+'enaan )enan &in)a' *i)ana )i e'&+ (aa
'e%anan
" me.a'%'an *ene.e)a#an )i e&ia* &em*a& &e+&en&%/an )i)%a &e+)a*a& e&ia* ba+an b%'&i *emb%'%an,*ena&a&an, )an )'%men .ain e+&a me.a'%'an *en/i&aan&e+#a)a* ba+an /an )a*a& )i(a)i'an ba#an b%'&i)a.am *e+'a+a &in)a' *i)ana )i e'&+ (aa 'e%anan
" memin&a )a&a, )'%men, a&a% a.a& b%'&i .ain, bai' e&a'ma%*%n e.e'&+ni' 'e*a)a *en/e.ena+a (aa &e.e'm%ni'ai
#" )a.am 'ea)aan &e+&en&% memin&a 'e*a)a *e(aba& /an
be+$enan %n&%' me.a'%'an *enea#an &e+#a)a*
+an /an )i)%a &e.a# me.a'%'an &in)a'*i)ana )i e'&+ (aa 'e%anan e%ai )enan
'e&en&%an *e+a&%+an *e+%n)an- %n)anani" memin&a ban&%an a*a+a& *enea' #%'%m .ain
(" memin&a 'e&e+anan )a+i ban' &en&an 'ea)aan 'e%anan*i#a' /an )i)%a me.a'%'an a&a% &e+.iba& )a.am *e.ana+an
&e+#a)a* *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa
'e%anan
'" memb.'i+ +e'enin *a)a ban' a&a% .embaa 'e%anan.ain )a+i *i#a' /an )i)%a me.a'%'an a&a% &e+.iba& )a.am
&in)a' *i)ana )i e'&+ (aa 'e%anan
." memin&a ban&%an a#.i )a.am +an'a *e.a'anaan &%a
*en/i)i'an &in)a' *i)ana )i e'&+ (aa 'e%anan )anm" men/a&a'an aa& )im%.ai )an )i#en&i'ann/a *en/i)i'an"
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Paa. 36 """
- 69 -
Paa. 30
415 Pen/i)i' Pea$ai Nee+i Si*i. ebaaimana )ima'%) )a.am
Paa. 87 men/am*ai'an #ai. *en/i)i'an 'e*a)aJa'a %n&%' )i.a'%'an *en%n&%&an"
425 Ja'a $a(ib menin)a'.an(%&i )an mem%&%'an &in)a' .an(%& #ai.
*en/i)i'an e%ai 'e$enanann/a *a.in .ama 70 4embi.an *%.%#5#a+i e(a' )i&e+iman/a #ai. *en/i)i'an ebaaimana )ima'%)*a)a a/a& 415"
Paa. 31
415 Pen/i)i' Pea$ai Nee+i Si*i. /an )i*e'e+(a'an )i OJK#an/a )a*a& )i&a+i' )enan *embe+i&a#%an *a.in
in'a& 9 4enam5 b%.an ebe.%m *ena+i'an )an &i)a' e)an
menanani *e+'a+a"
425 Pen/i)i' Pea$ai Nee+i Si*i. )i#a+%'an be'e+(a ama )enanin&ani &e+'ai&"
BAB CII KETENTUAN
PIDANA
Paa. 32
415 Se&ia* +an *e+e+anan /an me.ana+ 'e&en&%an Paa. 66
a/a& 415, a/a& 425, )an>a&a% a/a& 465, )i*i)ana )enan *i)ana*en(a+a *a.in .ama 9 4enam5 &a#%n )an *i)ana )en)a *a.inban/a' R*13"000"000"000,00 4.ima be.a mi.ia+ +%*ia#5"
425 A*abi.a *e.ana+an &e+#a)a* 'e&en&%an Paa. 66 a/a& 425)an>a&a% a/a& 465 )i.a'%'an .e# '+*+ai, )i*i)ana
)enan *i)ana )en)a *a.in ban/a'
R*83"000"000"000,00 4em*a& *%.%# .ima mi.ia+ +%*ia#5 )an>a&a%ebea+ (%m.a# 'e+%ian /an )i&imb%.'an a'iba& *e.ana+an
&e+eb%&"
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mi.ia+ +%*ia#5 a&a% *a.in ban/a'
R*83"000"000"000,00 4em*a& *%.%# .ima mi.ia+
+%*ia#5"
- 6; -
Paa. 36
415 Se&ia* O+an /an )enan ena(a menabai'an, &i)a' memen%#i,
a&a% men#amba& *e.a'anaan'e$enanan OJK ebaaimana )ima'%) )a.am Paa.
7 #%+% , #%+% ), #%+% e, #%+% , #%+% , )an>a&a%
Paa. 60 a/a& 415 #%+% a, )i*i)ana )enan *i)ana *en(a+a
*a.in in'a& 2 4)%a5 &a#%n )an *i)ana )en)a *a.in e)i'i&R*3"000"000"000,00 4.ima mi.ia+ +%*ia#5 a&a% *i)ana *en(a+a *a.in
.ama 9 4enam5 &a#%n )an *i)ana )en)a *a.in ban/a'
R*13"000"000"000,00 4.ima be.a mi.ia+ +%*ia#5"
425 A*abi.a *e.ana+an ebaaimana )ima'%) *a)a a/a& 415)i.a'%'an .e# '+*+ai, )i*i)ana )enan *i)ana )en)a *a.in
e)i'i& R*13"000"000"000,00 4.ima be.a
Paa. 38
415 Se&ia* O+an /an )enan ena(a menabai'an )an>a&a%
&i)a' me.a'ana'an *e+in&a# &e+&%.i ebaaimana)ima'%) )a.am Paa. 7 #%+% ) a&a% &%a %n&%'
men%na'an *ene..a &a&%&e+ ebaaimana )ima'%)
)a.am Paa. 7 #%+% , )i*i)ana )enan *i)ana *en(a+a *a.in
in'a& 2 4)%a5 &a#%n )an *i)ana )en)a *a.ine)i'i& R*3"000"000"000,00 4.ima mi.ia+ +%*ia#5 a&a% *i)ana *en(a+a
*a.in .ama 9 4enam5 &a#%n )an *i)ana )en)a *a.in ban/a'R*13"000"000"000,00 4.ima be.a mi.ia+ +%*ia#5"
425 A*abi.a *e.ana+an ebaaimana )ima'%) *a)a a/a& 415)i.a'%'an .e# '+*+ai, '+*+ai )i*i)ana )enan
*i)ana )en)a *a.in e)i'i&
R*13"000"000"000,00 4.ima be.a mi.ia+ +%*ia#5 a&a% *a.inban/a' R*83"000"000"000,00 4em*a& *%.%# .ima mi.ia+
+%*ia#5"
BAB CIII """
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485 De$an """
- 6: -
BAB CIII KETENTUAN
PERALIHAN
Paa. 33
415 Se(a' &ana. 61 Deembe+ 2012, %ni, &%a, )an $e$enan*ena&%+an )an *ena$aan 'eia&an (aa 'e%anan )i e'&+ Paa+
M)a., Pe+a%+anian, Dana Peni%n, Lembaa Pembia/aan, )an
Lembaa Jaa Ke%anan Lainn/a be+a.i# )a+i Men&e+i Ke%anan
)an Ba)an Pena$a Paa+ M)a. )an Lembaa Ke%anan 'e OJK"
425 Se(a' &ana. 61 Deembe+ 2016, %ni, &%a, )an $e$enan
*ena&%+an )an *ena$aan 'eia&an (aa 'e%anan )i e'&+
Pe+ban'an be+a.i# )a+i Ban' In)neia 'e OJK"
Paa. 39
415 Pa.in .ama : 4)e.a*an5 b%.an e(a' Un)an-Un)an ini)i%n)an'an, P+ei)en menan'a& )an
mene&a*'an an&a De$an Kmiine+ %n&%' *e+&ama'a.i )enan %%nan ebaaimana )ima'%) )a.am Paa. 10 a/a& 485e%ai )enan &a&a a+a ebaaimana )ia&%+ )a.am Paa. 11 a/a& 415,a/a& 465 am*ai )enan a/a& 475, Paa. 12 a/a& 415 am*ai )enana/a& 465 )an a/a& 495, Paa. 16, )an Paa. 18"
425 An&a De$an Kmiine+ ebaaimana )ima'%) *a)a a/a&
415 )ian'a& %n&%' maa (aba&an 3 4.ima5 &a#%n"
465 Pa.in .ama 90 4enam *%.%#5 #a+i e(a' Un)an- Un)an ini)i%n)an'an, P+ei)en memben&%' Pani&ia Se.e'i a.nan&a De$an Kmiine+ %n&%' *e+&ama 'a.i)enan 'ean&aan ebaaimana )ima'%) )a.am Paa. 11a/a& 465"
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Paa. 3: """
- 67 -
485 De$an Pe+$a'i.an Ra'/a& memi.i# a.n an&a De$anKmiine+ e%ai )enan (%m.a# an&a De$an
Kmiine+ /an )ib%&%#'an, *a.in .ama 60 4&ia *%.%#5 #a+i e(a')i&e+iman/a nama-nama a.n an&a De$an Kmiine+ )a+iP+ei)en"
435 a.n an&a De$an Kmiine+ &e+*i.i# )iam*ai'an
De$an Pe+$a'i.an Ra'/a& 'e*a)a P+ei)en *a.in .ama
; 4&%(%#5 #a+i e(a' e.eain/a *+e *emi.i#an a.n an&a
De$an Kmiine+ ebaaimana )ima'%) *a)a a/a& 485"
Paa. 3;
415 Se(a' Un)an-Un)an ini )i%n)an'an am*ai )enan
)i&e&a*'ann/a an&a De$an Kmiine+
ebaaimana )ima'%) )a.am Paa. 39 a/a& 415,Kemen&e+ian Ke%anan )iban&% .e# Ban' In)neia men/ia*'an!
a" &+%'&%+ +aniai, &%a *'' )an %ni, +ananban%n in+a&+%'&%+ )an &e'n.i
in+mai, i&em %mbe+ )a/a man%ia, )an &an)a+
*+e)%+ *e+aina.
b" +enana 'e+(a )an ana+an %n&%' &a#%n ana+an
2016
" *e(aba& )an *ea$ai OJK
)" *e(aba& )an *ea$ai +an *en)%'%n De$an
Kmiine+ )an
e" #a. .ain /an )i*e+.%'an )a.am +an'a *ena.i#an %ni,
&%a, )an $e$enan *ena&%+an )an *ena$aan 'eia&an(aa 'e%anan )i e'&+ (aa 'e%anan )a+i Ban'
In)neia, Men&e+i Ke%anan, )an Ba)an Pena$a Paa+
M)a. )an Lembaa Ke%anan 'e OJK"
425 Kemen&e+ian Ke%anan men/am*ai'an #ai. *e+ia*anebaaimana )ima'%) *a)a a/a& 415 'e*a)a
De$an Kmiine+ OJK %n&%' )i&e&a*'an"
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Paa. 90 """
- 80 -
Paa. 3:
Pa.in .ama ; 4&%(%#5 b%.an e(a' Un)an-%n)an ini )i%n)an'an,
G%be+n%+ Ban' In)neia )an Men&e+i Ke%anan main-main
men%%.'an a.n an&a De$an Kmiine+ Ex-officio Ban'
In)neia ebaaimana )ima'%) Paa. 10 a/a& 485 #%+% # )an Ex-
officio Kemen&e+ian Ke%anan ebaaimana )ima'%) Paa. 10 a/a& 485#%+% i 'e*a)a P+ei)en %n&%' )ian'a& )an )i&e&a*'an ebaai an&a
De$an Kmiine+"
Paa. 37
Se(a' )ian'a&n/a an&a De$an Kmiine+ ebaaimana
)ima'%) )a.am Paa. 39 a/a& 415 am*ai )enan be+a.i#n/a %ni,
&%a, )an $e$enan ebaaimana )ima'%) )a.am Paa. 33, De$an
Kmiine+ be+&%a!
a" mene&a*'an &+%'&%+ +aniai, &%a *'' )an %ni,
+anan ban%n in+a&+%'&%+ )an &e'n.i in+mai, i&em
%mbe+ )a/a man%ia, )an &an)a+ *+e)%+ *e+aina.
b" mene&a*'an +enana 'e+(a )an ana+an OJK &a#%n ana+an
2016
" menan'a& *e(aba& )an *ea$ai OJK
)" menan'a& *e(aba& )an *ea$ai +an *en)%'%n
De$an Kmiine+ )an
e" mene&a*'an #a. .ain /an )i*e+.%'an )a.am +an'a *ena.i#an%ni, &%a, )an $e$enan *ena&%+an )an *ena$aan 'eia&an
(aa 'e%anan )i e'&+ (aa 'e%anan )a+i Ban' In)neia,
Men&e+i Ke%anan, )an Ba)an Pena$a Paa+ M)a. )an
Lembaa Ke%anan 'e OJK"
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485 Men&e+i """
- 81 -
Paa. 90
415 Pa.in .ama 1 4a&%5 b%.an e(a' )ian'a&n/a an&a De$an
Kmiine+ ebaaimana )ima'%) )a.am Paa. 39a/a& 415, De$an Kmiine+ memben&%' &im &+anii
e&e.a# be+'+)inai )enan Men&e+i Ke%anan
)an G%be+n%+ Ban' In)neia"
425 Men&e+i Ke%anan )an G%be+n%+ Ban' In)neia $a(ibmen%%.'an 'e*a)a De$an Kmiine+ +an- +an /an
men(a)i an&a &im &+anii *a.in .ama
18 4em*a& be.a5 #a+i e(a' )i&e+iman/a %+a&
*e+min&aan an&a &im &+anii )a+i De$anKmiine+"
465 De$an Kmiine+ mene&a*'an an&a &im &+anii be+)aa+'an%%.an Men&e+i Ke%anan )an G%be+n%+ Ban' In)neia"
Paa. 91
415 Tim &+anii ebaaimana )ima'%) )a.am Paa. 90 a/a& 415
be+&%a memban&% 'e.ana+an *e.a'anaan &%a De$anKmiine+ ebaaimana )ima'%) )a.am Paa. 37"
425 Da.am me.a'ana'an &%an/a, &im &+anii be+$enan %n&%'
menin)en&ii'ai )an mem=e+ii'ai 'e'a/aan, in+a&+%'&%+,
in+mai, )'%men, )an #a. .ain /an &e+'ai& )enan *ena&%+an
)an *ena$aan Lembaa Jaa Ke%anan )an
mem*e+ia*'an *ena.i#an *en%naann/a 'e OJK"
465 Tim &+anii $a(ib me.a*+'an 'e.ana+an *e.a'anaan&%a )an $e$enann/a ebaaimana )ima'%) *a)a a/a& 415 )ana/a& 425 'e*a)a Men&e+i Ke%anan, G%be+n%+ Ban'In)neia, )an Ke&%a De$an Kmiine+ OJK"
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425 Pa.in """
- 82 -
485 Men&e+i Ke%anan, G%be+n%+ Ban' In)neia, &im &+anii, a&a%
*e(aba& )an *ea$ai )i Kemen&e+ian Ke%anan )an Ban' In)neia
/an &e+'ai& )enan %ni, &%a, )an $e$enan
*ena&%+an )an *ena$aan Lembaa Jaa
Ke%anan, $a(ib memban&% 'e.ana+an *e.a'anaan &%a
De$an Kmiine+ ebaaimana )ima'%) )a.am Paa. 37"
435 G%be+n%+ Ban' In)neia, Men&e+i Ke%anan, )an>a&a% Ke&%a
De$an Kmiine+ OJK me.a*+'an *e+'embanan *+e
*ena.i#an %ni, &%a, )an $e$enan)a+i Ban' In)neia,
Kemen&e+ian Ke%anan, )an Ba)an Pena$a Paa+ M)a. )an
Lembaa Ke%anan 'e OJK *a.in e)i'i& 1 4a&%5 'a.i )a.am 6
4&ia5 b%.an 'e*a)a De$an Pe+$a'i.an Ra'/a&"
Paa. 92
Pa.in .ama 2 4)%a5 b%.an e(a' )ian'a&n/a an&a De$an Kmiine+
ebaaimana )ima'%) )a.am Paa. 39 a/a& 415, De$an Kmiine+
mene&a*'an &+%'&%+ +aniai, &%a *'' )an %ni, &an)a+
*+e)%+ *e+aina., )an +anan ban%n in+a&+%'&%+ OJK"
Paa. 96
415 Pa.in in'a& 6 4&ia5 b%.an ebe.%m be+a.i#n/a %ni, &%a
)an $e$enan ebaaimana )ima'%) )a.am Paa. 33,
Ke&%a De$an Kmiine+ men/am*ai'an *e+min&aan ea+a
&e+&%.i %%.an nama *e(aba& )an *ea$ai 'e*a)a G%be+n%+ Ban'
In)neia )an Men&e+i Ke%anan /an a'an )ia.i#'an a&a%
)i*e'e+(a'an 'e OJK"
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b" 6 4&ia5 """
- 86 -
425 Pa.in in'a& 2 4)%a5 b%.an ebe.%m be+a.i#n/a %ni, &%a
)an $e$enan ebaaimana )ima'%) )a.am Paa. 33,
G%be+n%+ Ban' In)neia )an Men&e+i Ke%anan $a(ibmen%%.'an nama *e(aba& )an *ea$ai Ban' In)neia )an
Kemen&e+ian Ke%anan, e%ai )enan *e+min&aan Ke&%a De$an
Kmiine+, %n&%' )ia.i#'an a&a% )i*e'e+(a'an 'e OJK"
465 Un&%' memen%#i 'eb%&%#an OJK, e.ain *e(aba& )an *ea$aiebaaimana )ima'%) a/a& 425, De$an Kmiine+ me.a'%'an
+e'+%&men *e(aba& )an *ea$ai ea+a &e+b%'a"
485 Pa.in in'a& 1 4a&%5 b%.an ebe.%m be+a.i#n/a %ni, &%a
)an $e$enan ebaaimana )ima'%) )a.am Paa. 33, De$an
Kmiine+ mene&a*'an *e(aba& )an *ea$ai /an )i&e+ima OJK"
Paa. 98
415 Te+#i&%n e(a' be+a.i#n/a %ni, &%a, )an $e$enan
ebaaimana )ima'%) )a.am Paa. 33!
a" *e(aba& )an>a&a% *ea$ai Ba)an Pena$a Paa+
M)a. )an Lembaa Ke%anan )an
b" *e(aba& )an>a&a% *ea$ai Ban' In)neia /anme.a'ana'an %ni, &%a, )an $e$enan
*ena&%+an )an *ena$aan )i e'&+ Pe+ban'an,
ebaaimana )ima'%) )a.am Paa. 96 a/a& 485
)ia.i#'an %n&%' )i*e'e+(a'an *a)a OJK"
425 Pe(aba& )an>a&a% *ea$ai /an )ia.i#'an %n&%' )i*e'e+(a'an
ebaaimana )ima'%) *a)a a/a& 415 $a(ib be'e+(a )i OJK %n&%'(an'a $a'&% *a.in in'a&!
a" 1 4a&%5 &a#%n bai *e(aba& )an>a&a% *ea$ai /an
be+aa. )a+i Ba)an Pena$a Paa+ M)a. )an Lembaa
Ke%anan )an
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- 88 -
b" 6 4&ia5 &a#%n bai *e(aba& )an>a&a% *ea$ai /an be+aa. )a+i
Ban' In)neia"
465 Pe(aba& )an>a&a% *ea$ai ebaaimana )ima'%) *a)a a/a& 425
$a(ib mene&a*'an *i.i#an &a&% ebaai *e(aba& )an>a&a% *ea$ai
OJK a&a%!
a" ebaai *e(aba& )an>a&a% *ea$ai Kemen&e+ian Ke%anan,
*a.in .ama 6 4&ia5 b%.an e(a'be+a.i#n/a %ni, &%a, )an $e$enan
ebaaimana )ima'%) )a.am Paa. 33, bai *e(aba&)an>a&a% *ea$ai /an be+aa. )a+i Ba)an Pena$a Paa+
M)a. )an Lembaa Ke%anan )an
b" ebaai *e(aba& )an>a&a% *ea$ai Ban' In)neia, *a.in .ama
2 4)%a5 &a#%n e(a' be+a.i#n/a %ni, &%a, )an $e$enan
ebaaimana )ima'%) )a.am Paa. 33, bai *e(aba& )an>a&a%*ea$ai /an be+aa. )a+i Ban' In)neia"
485 Pe(aba& )an>a&a% *ea$ai ebaaimana )ima'%) *a)a a/a& 415
)an *e(aba& )an>a&a% *ea$ai OJK ebaaimana )ima'%) *a)a
a/a& 465 )ibe+i'an #a' e%ai )enan 'e&en&%an OJK)enan &i)a' men%+ani #a' *e(aba& )an>a&a% *ea$ai /an
&e.a# )imi.i'i ebe.%m )an e.ama *ena.i#an"
Paa. 93
415 Te+#i&%n e(a' be+a.i#n/a %ni, &%a, )an $e$enan
ebaaimana )ima'%) )a.am Paa. 33!
a" 'e'a/aan )an )'%men /an )imi.i'i )an>a&a% )i%na'anBan' In)neia )a.am +an'a
*e.a'anaan %ni, &%a, )an $e$enan*ena&%+an )an *ena$aan )i e'&+ Pe+ban'an )an
b" 'e'a/aan nea+a )an )'%men /an )imi.i'i )an>a&a%)i%na'an Kemen&e+ian Ke%anan )an Ba)an Pena$aPaa+ M)a. )an Lembaa Ke%anan )a.am +an'a*e.a'anaan %ni, &%a, )an $e$enan *ena&%+an )an*ena$aan
)i e'&+ """
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- 83 -
)i e'&+ Paa+ M)a., Pe+a%+anian, Dana Peni%n, Lembaa
Pembia/aan, )an Lembaa Jaa Ke%anan Lainn/a,
)a*a& )i%na'an .e# OJK"
425 Pen%naan 'e'a/aan, 'e'a/aan nea+a, )an )'%men
ebaaimana )ima'%) *a)a a/a& 415
)i&e&a*'an )enan 'e*%&%an be+ama a&a% 'e*%&%an
Men&e+i Ke%anan, G%be+n%+ Ban'In)neia, )an Ke&%a De$an Kmiine+ /an )i&e&a*'an *a.in
in'a& 1 4a&%5 b%.an ebe.%m be+a.i#n/a %ni, &%a, )an
$e$enan ebaaimana )ima'%) )a.am Paa. 33"
Paa. 99
415 Se(a' Un)an-Un)an ini )i%n)an'an am*ai )enanbe+a.i#n/a %ni, &%a, )an $e$enan
ebaaimana )ima'%) )a.am Paa. 33!
a" Ban' In)neia &e&a* me.a'ana'an %ni, &%a, )an$e$enan *ena&%+an )an *ena$aan 'eia&an (aa
'e%anan )i e'&+ Pe+ban'an )an
b" Men&e+i Ke%anan )an Ba)an Pena$a Paa+ M)a.
)an Lembaa Ke%anan &e&a*me.a'ana'an %ni, &%a, )an $e$enan
*ena&%+an )an *ena$aan 'eia&an (aa 'e%anan )i
e'&+ Paa+ M)a., Pe+a%+anian, Dana Peni%n,Lembaa Pembia/aan, )an Lembaa Jaa Ke%anan
Lainn/a"
425 Ban' In)neia, Men&e+i Ke%anan, )an Ba)an Pena$a
Paa+ M)a. )an Lembaa Ke%ananmen/am*ai'an .a*+an a&a *e.a'anaan %ni, &%a
)an $e$enan ebaaimana )ima'%) *a)a a/a& 415, 'e*a)a
OJK"
465 Pembia/aan /an &e+'ai& )enan *e.a'anaan %ni, &%a, )an$e$enan ebaaimana )ima'%) *a)a a/a& 415, be+%mbe+ )a+i!
a" Ban' """
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- 89 -
a" Ban' In)neia %n&%' *e.a'anaan %ni, &%a, )an
$e$enan *ena&%+an )an *ena$aan )i e'&+ Pe+ban'an
)an
b" Ana+an Pen)a*a&an )an Be.an(a Nea+a %n&%'
*e.a'anaan %ni, &%a, )an $e$enan
*ena&%+an )an *ena$aan )i e'&+ Paa+ M)a.,
Pe+a%+anian, Dana Peni%n, Lembaa Pembia/aan,)an Lembaa Jaa Ke%anan Lainn/a"
485 Pembia/aan +enana 'e+(a )an ana+an OJK e(a' Un)an-
Un)an ini )i%n)an'an am*ai )enan be+a.i#n/a %ni, &%a,
)an $e$enan *ena&%+an )an *ena$aan e'&+ (aa'e%anan 'e OJK ebaaimana )ima'%) )a.am Paa. 33,
be+%mbe+ )a+i ana+an Ba)an Pena$a Paa+ M)a. )an
Lembaa Ke%anan Kemen&e+ian Ke%anan )an>a&a% Ban'
In)neia"
Paa. 9;
415 Ke*%&%an menenai *embe+ian i@in %a#a, i@in +an *e+e+anan,
ee'&in/a *e+n/a&aan *en)a&a+an, %+a& &an)a
&e+)a&a+, *e+e&%(%an me.a'%'an 'eia&an %a#a, *enea#an,
)an *e+e&%(%an a&a% *ene&a*an *emb%ba+an, )an e&ia* 'e*%&%an
/an &e.a# )i&e&a*'an .e# Ban' In)neia, Kemen&e+ian Ke%anan,
)an Ba)an Pena$a Paa+ M)a. )an Lembaa
Ke%anan be+)aa+'an *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa 'e%anan ebe.%m be+a.i#n/a %ni,
&%a, )an $e$enan ebaaimana )ima'%) )a.am Paa. 33,
)in/a&a'an &e&a* be+.a'%"
425 Pe+m#nan """
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- 8; -
425 Pe+m#nan i@in %a#a, i@in +an *e+e+anan, *e+n/a&aan
*en)a&a+an, %+a& &an)a &e+)a&a+, *e+e&%(%an
me.a'%'an 'eia&an %a#a, *enea#an, )an *e+e&%(%an a&a%
*ene&a*an *emb%ba+an, e+&a *e+m#nan *ene&a*an .ainn/a /an
e)an )a.am *+e *en/e.eaian *a)a Ban'
In)neia, Kemen&e+ian Ke%anan, )an Ba)an Pena$a Paa+
M)a. )an Lembaa Ke%anan be+)aa+'an *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa 'e%anan, e(a' be+a.i#n/a %ni, &%a,
)an $e$enan ebaaimana )ima'%) )a.am Paa.
33, *en/e.eaiann/a )i.an(%&'an .e# OJK"
Paa. 9:
Se(a' be+a.i#n/a %ni, &%a, )an $e$enan ebaaimana
)ima'%) )a.am Paa. 33, *eme+i'aan )an>a&a% *en/i)i'an /an
e)an )i.a'%'an .e# Ban' In)neia, Kemen&e+ian Ke%anan )anBa)an Pena$a Paa+ M)a. )an Lembaa Ke%anan, *en/e.eaiann/a
)i.an(%&'an .e# OJK"
BAB CI KETENTUANPENUTUP
Paa. 97
415 ?%ni, &%a, )an $e$enan Ban' In)neia ebaaimana
)ima'%) )a.am!
a" Paa. : #%+% , Paa. 28, Paa. 23, Paa. 29, Paa. 2;,
Paa. 2:, Paa. 27, Paa. 60, Paa. 61, Paa. 62, )an Paa. 66Un)an-Un)an Nm+ 26
Ta#%n 1777 &en&an Ban' In)neia
ebaaimana """
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425 Denan """
- 8: -
ebaaimana &e.a# bebe+a*a 'a.i )i%ba# &e+a'#i+ )enan
Un)an-Un)an Nm+ 9 Ta#%n 2007 &en&an Pene&a*an
Pe+a&%+an Peme+in&a# Penan&i Un)an-Un)an Nm+ 2Ta#%n 200: &en&an Pe+%ba#an Ke)%a A&a Un)an-Un)an
Nm+ 26 Ta#%n 1777 &en&an Ban' In)neia men(a)i
Un)an-Un)an 4Lemba+an Nea+a Re*%b.i' In)neiaTa#%n 2007 Nm+ ;, Tamba#an Lemba+an Nea+a Re*%b.i'
In)neia Nm+ 87925b" Paa. 9, Paa. ;, Paa. :, Paa. 11, Paa. 12, Paa.
16, Paa. 19, Paa. 1:, Paa. 17, Paa. 20, Paa.
22, Paa. 2;, Paa. 2:, Paa. 27, Paa. 60,
Paa. 61, Paa. 61A, Paa. 66, Paa. 68, Paa. 63, Paa. 69,
Paa. 6;, Paa. 6;A, Paa. 6:, Paa. 81, Paa. 81A, Paa. 82,
Paa. 88, Paa. 32, )an Paa.
36 Un)an-Un)an Nm+ ; Ta#%n 1772 &en&an
Pe+ban'an ebaaimana &e.a# )i%ba# )enan
Un)an-Un)an Nm+ 10 Ta#%n 177: &en&anPe+%ba#an A&a Un)an-Un)an Nm+ ; Ta#%n
1772 &en&an Pe+ban'an 4Lemba+an Nea+a
Re*%b.i' In)neia Ta#%n 177: Nm+ 1:2, Tamba#an
Lemba+an Nea+a Re*%b.i' In)neia Nm+ 6;705
" Paa. 1 an'a 13, Paa. 3, Paa. 9, Paa. :, Paa.
7, Paa. 10, Paa. 11, Paa. 19, Paa. 1;, Paa.
20, Paa. 21, Paa. 22, Paa. 29, Paa. 2;, Paa.2:, Paa. 27, Paa. 60, Paa. 61, Paa. 62, Paa.
66, Paa. 68, Paa. 63, Paa. 6;, Paa. 6:, Paa.
80, Paa. 82, Paa. 86, Paa. 89, Paa. 30, Paa.
31, Paa. 32, Paa. 36, Paa. 38, Paa. 39, Paa.
3;, )an Paa. 3: Un)an-Un)an Nm+ 21Ta#%n 200: &en&an Pe+ban'an S/a+ia#
4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n
200: Nm+ 78, Tamba#an Lemba+an Nea+a
Re*%b.i' In)neia Nm+ 8:9;5
be+a.i# men(a)i %ni, &%a, )an $e$enan OJK e(a'be+a.i#n/a %ni, &%a, )an $e$enan ebaaimana )ima'%))a.am Paa. 33 a/a& 425"
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485 Ke&en&%an """
- 87 -
425 Denan be+a.i#n/a %ni, &%a, )an $e$enan ebaaimana
)ima'%) )a.am Paa. 33 a/a& 425, Lembaa
Pena$a Pe+ban'an ebaaimana )ima'%) )a.am Un)an-
Un)an Nm+ 28 Ta#%n 2008 &en&an Lembaa Pen(amin
Sim*anan 4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n 2008
Nm+ 79, Tamba#an Lemba+an Nea+a Re*%b.i' In)neia
Nm+ 88205 ebaaimana )i%ba# )enan Un)an-Un)an Nm+
;
Ta#%n 2007 &en&an Pene&a*an Pe+a&%+an Peme+in&a# Penan&i
Un)an-Un)an Nm+ 6 Ta#%n 200: &en&an Pe+%ba#an a&a
Un)an-Un)an Nm+ 28
Ta#%n 2008 &en&an Lembaa Pen(amin Sim*anan Men(a)i
Un)an-Un)an 4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n
2007 Nm+ :, Tamba#an Lemba+an Nea+a Re*%b.i' In)neia
Nm+ 87965, a)a.a# OJK"
465 Se(a' Un)an-Un)an ini )i%n)an'an, %ni, &%a, )an
$e$enan Kmi&e K+)inai ebaaimana )ima'%)
)a.am Un)an-Un)an Nm+ 28 Ta#%n
2008 &en&an Lembaa Pen(amin Sim*anan 4Lemba+an Nea+a
Re*%b.i' In)neia Ta#%n 2008 Nm+ 79, Tamba#an Lemba+an
Nea+a Re*%b.i' In)neia Nm+ 88205 ebaaimana )i%ba#
)enan Un)an- Un)an Nm+ ; Ta#%n 2007 &en&an Pene&a*an
Pe+a&%+an Peme+in&a# Penan&i Un)an-Un)an Nm+ 6 Ta#%n
200: &en&an Pe+%ba#an a&a Un)an- Un)an Nm+ 28 Ta#%n
2008 &en&an Lembaa Pen(amin Sim*anan Men(a)i Un)an-
Un)an 4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n 2007
Nm+ :, Tamba#an Lemba+an Nea+a Re*%b.i' In)neia Nm+
87965, )i.a'ana'an .e# ?+%m K+)inai S&abi.i&a Si&em
Ke%anan ebaaimana )ima'%) )a.am Un)an-Un)an ini"
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8" Un)an-Un)an """
- 30 -
485 Ke&en&%an menenai *+&'. '+)inai ebaaimana )ima'%)
)a.am Paa. 88, Paa. 83, )an Paa. 89 be+.a'% am*ai )enan
)i%n)an'ann/a %n)an- %n)an menenai (a+in *enaman
i&em 'e%anan"
Paa. ;0
Pa)a aa& Un)an-Un)an ini m%.ai be+.a'%!
1" Un)an-Un)an Nm+ 2 Ta#%n 1772 &en&an Ua#a
Pe+a%+anian 4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n 1772
Nm+ 16, Tamba#an Lemba+an Nea+a Re*%b.i' In)neia
Nm+ 689;5 )an *e+a&%+an *e.a'anaann/a
2" Un)an-Un)an Nm+ ; Ta#%n 1772 &en&an Pe+ban'an
4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n 1772 Nm+ 61,
Tamba#an Lemba+an Nea+a Re*%b.i' In)neia Nm+ 68;25
ebaaimana &e.a# )i%ba# )enan Un)an-Un)an Nm+
10 Ta#%n
177: &en&an Pe+%ba#an A&a Un)an-Un)an Nm+ ; Ta#%n
1772 &en&an Pe+ban'an 4Lemba+an Nea+a Re*%b.i' In)neia
Ta#%n 177: Nm+ 1:2, Tamba#an Lemba+an Nea+a Re*%b.i'
In)neia Nm+ 6;705 )an *e+a&%+an *e.a'anaann/a
6" Un)an-Un)an Nm+ 11 Ta#%n 1772 &en&an DanaPeni%n 4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n
1772 Nm+ 6;, Tamba#an Lemba+an Nea+a Re*%b.i'
In)neia Nm+ 68;;5 )an *e+a&%+an *e.a'anaann/a
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Aa+ """
- 31 -
8" Un)an-Un)an Nm+ : Ta#%n 1773 &en&an Paa+
M)a. 4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n
1773 Nm+ 98, Tamba#an Lemba+an Nea+a Re*%b.i'
In)neia Nm+ 690:5 )an *e+a&%+an *e.a'anaann/a
3" Un)an-Un)an Nm+ 26 Ta#%n 1777 &en&an Ban' In)neia
ebaaimana &e.a# bebe+a*a 'a.i )i%ba# &e+a'#i+ )enan Un)an-
Un)an Nm+ 9 Ta#%n 2007 &en&an Pene&a*an Pe+a&%+an
Peme+in&a# Penan&i Un)an-Un)an Nm+ 2 Ta#%n 200:
&en&an Pe+%ba#an Ke)%a A&a Un)an-Un)an Nm+ 26
Ta#%n 1777 &en&an Ban' In)neia men(a)i Un)an-
Un)an 4Lemba+an Nea+a Re*%b.i' In)neia Ta#%n 2007 Nm+
;, Tamba#an Lemba+an Nea+a Re*%b.i' In)neia Nm+ 87925
)an *e+a&%+an *e.a'anaann/a
9" Un)an-Un)an Nm+ 21 Ta#%n 200: &en&an Pe+ban'an
S/a+ia# 4Lemba+an Nea+a Re*%b.i'
In)neia Ta#%n 200: Nm+ 78, Tamba#an Lemba+an Nea+aRe*%b.i' In)neia Nm+ 8:9;5 )an *e+a&%+an *e.a'anaann/a
)an
;" *e+a&%+an *e+%n)an-%n)anan .ainn/a )i e'&+ (aa 'e%anan,
)in/a&a'an &e&a* be+.a'% e*an(an &i)a' be+&en&anan )an be.%m
)ian&i be+)aa+'an Un)an-Un)an ini"
Paa. ;1
Un)an-Un)an ini m%.ai be+.a'% *a)a &ana.
)i%n)an'an"
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- 32 -
Aa+ e&ia* +an mene&a#%in/a, meme+in&a#'an *en%n)anan
Un)an-Un)an ini )enan *enem*a&ann/a )a.am Lemba+an Nea+a
Re*%b.i' In)neia"
Dia#'an )i Ja'a+&a
*a)a &ana. 22 N=embe+ 2011
PRESIDEN REPUBLIK INDONESIA, &&)"
DR" H" SUSILO BAMBANG YUDHOYONO
Di%n)an'an )i Ja'a+&a
*a)a &ana. 22 N=embe+ 2011
MENTERI HUKUM DAN HAK ASASI MANUSIAREPUBLIK INDONESIA,
&&)"
AMIR SYAMSUDIN
LEMBARAN NEGARA REPUBLIK INDONESIA TAHUN 2011 NOMOR 111"
Sa.inan e%ai )enan a.in/a KEMENTERIAN
SEKRETARIAT NEGARA REPUBLIKINDONESIA
Ai&en De*%&i Pe+%n)an-%n)anan
Bi)an Pe+e'nmian,
SETIO SAPTO NUGROHO
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PENJELASAN
ATAS
UNDANG-UNDANG REPUBLIK INDONESIA
NOMOR 21 TAHUN 2011
TENTANG
OTORITAS JASA KEUANGAN
I" UMUM
Da.am +an'a me$%(%)'an *e+e'nmian naina. /an mam*% &%mb%# )enan &abi. )an
be+'e.an(%&an, meni*&a'an 'eem*a&an 'e+(a /an .%a )an eimban )i em%a e'&+*e+e'nmian, e+&a membe+i'an 'ee(a#&e+aan ea+a a)i. 'e*a)a e.%+%# +a'/a& In)neia
ma'a *++am *emban%nan e'nmi naina. #a+% )i.a'ana'an ea+a 'm*+e#eni )an
mam*% mene+a''an 'eia&an *e+e'nmian naina. /an memi.i'i (an'a%an /an .%a)an men/en&%# 'e e.%+%# e'&+ +ii. )a+i *e+e'nmian ma/a+a'a& In)neia" P++am
*emban%nan e'nmi naina. (%a #a+% )i.a'ana'an ea+a &+an*a+an )an a'%n&abe./an be+*e)man *a)a *+ini* )em'+ai e'nmi ebaaimana )iamana&'an Panai.a )an
Un)an-Un)an Daa+ Nea+a Re*%b.i' In)neia Ta#%n1783" Un&%' mena*ai &%(%an &e+eb%&, *++am *emban%nan e'nmi naina. *e+.%
)i)%'%n .e# &a&a 'e..a *eme+in&a#an /an bai' /an ea+a &e+% mene+% me.a'%'an+e+mai &e+#a)a* e&ia* 'm*nen )a.am i&em *e+e'nmian naina." Sa.a# a&%
'm*nen *en&in )a.am i&em *e+e'nmian naina. )ima'%) a)a.a# i&em 'e%anan)an e.%+%# 'eia&an (aa 'e%anan /an men(a.an'an %ni in&e+me)iai bai be+baai
'eia&an *+)%'&i )i )a.am *e+e'nmian naina."
?%ni in&e+me)iai /an )ie.ena+a'an .e# be+baai .embaa (aa 'e%anan, )a.am*e+'embanann/a &e.a# membe+i'an 'n&+ib%i /an %'%* inii'an )a.am *en/e)iaan)ana %n&%' *embia/aan *emban%nan e'nmi naina." O.e# 'a+ena i&%, Nea+a enan&iaamembe+i'an *e+#a&ian /an e+i% &e+#a)a* *e+'embanan 'eia&an e'&+ (aa 'e%anan&e+eb%&, )enan men%*a/a'an &e+ben&%'n/a 'e+an'a *e+a&%+an )an *ena$aan e'&+(aa 'e%anan /an &e+in&e+ai )an 'm*+e#eni"
Te+(a)in/a """
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Lembaa """
- 2 -
Te+(a)in/a *+e .ba.iai )a.am i&em 'e%anan )an *ea&n/a 'ema(%an )i bi)an
&e'n.i in+mai e+&a in=ai inania. &e.a# meni*&a'an i&em 'e%anan /an ana&'m*.e', )inami, )an a.in &e+'ai& an&a+-%be'&+ 'e%anan bai' )a.am #a. *+)%'
ma%*%n 'e.embaaan" Di am*in i&%, a)an/a .embaa (aa 'e%anan /an memi.i'i#%b%nan 'e*emi.i'an )i be+baai %be'&+ 'e%anan 4'n.me+ai5 &e.a# menamba#
'm*.e'i&a &+ana'i )an in&e+a'i an&a+.embaa (aa 'e%anan )i )a.am i&em 'e%anan"
Ban/a'n/a *e+maa.a#an .in&a e'&+a. )i e'&+ (aa 'e%anan, /an me.i*%&i &in)a'anmora! haard, be.%m *&ima.n/a *e+.in)%nan 'n%men (aa 'e%anan, )an&e+an%n/a &abi.i&a i&em 'e%anan ema'in men)+n )i*e+.%'ann/a *emben&%'an.embaa *ena$aan )i e'&+ (aa 'e%anan /an &e+in&e+ai"
Se#%b%nan )enan #a. &e+eb%& )i a&a, *e+.% )i.a'%'an *ena&aan 'emba.i &+%'&%+*en+aniaian )a+i .embaa-.embaa /an me.a'ana'an &%a *ena&%+an )an
*ena$aan )i e'&+ (aa 'e%anan /an mena'%* e'&+ *e+ban'an, *aa+ m)a.,*e+a%+anian, )ana *eni%n, .embaa *embia/aan, )an .embaa (aa 'e%anan .ainn/a"
Pena&aan )ima'%) )i.a'%'an aa+ )a*a& )ia*ai me'anime '+)inai /an .ebi# ee'&i )i
)a.am menanani *e+maa.a#an /an &imb%. )a.am i&em 'e%anan e#ina )a*a& .ebi#men(amin &e+a*ain/a &abi.i&a i&em 'e%anan" Pena&%+an )an *ena$aan &e+#a)a*'ee.%+%#an 'eia&an (aa 'e%anan &e+eb%& #a+% )i.a'%'an ea+a &e+in&e+ai"
Se.ain *e+&imbanan-*e+&imbanan &e+)a#%.%, Un)an-Un)an Nm+ 26Ta#%n 1777 &en&an Ban' In)neia ebaaimana &e.a# bebe+a*a 'a.i )i%ba#, &e+a'#i+ )enan
Un)an-Un)an Nm+ 9 Ta#%n 2007 &en&an Pene&a*an Pe+a&%+an Peme+in&a# Penan&iUn)an-Un)an Nm+ 2
Ta#%n 200: &en&an Pe+%ba#an Ke)%a a&a Un)an-Un)an Nm+ 26
Ta#%n 1777 &en&an Ban' In)neia Men(a)i Un)an-Un)an, (%a
menamana&'an *emben&%'an .embaa *ena$aan e'&+ (aa 'e%anan /an mena'%*
*e+ban'an, a%+ani, )ana *eni%n, e'%+i&a, m)a. =en&%+a )an *e+%a#aan *embia/aan,e+&a ba)an-ba)an .ain /an men/e.ena+a'an *ene..aan )ana ma/a+a'a&" Lembaa*ena$aan e'&+ (aa 'e%anan &e+eb%& )i a&a *a)a #a'i'a&n/a me+%*a'an .embaa
be+ia& in)e*en)en )a.am men(a.an'an &%an/a )an 'e)%)%'ann/a be+a)a )i .%a+*eme+in&a#" Lembaa ini be+'e$a(iban men/am*ai'an .a*+an 'e*a)a Ba)an Peme+i'a
Ke%anan )an De$an Pe+$a'i.an Ra'/a&"
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Ex-officio """
- 6 -
Lembaa *ena$aan e'&+ (aa 'e%anan )a.am Un)an-Un)an ini )ieb%& O&+i&a JaaKe%anan" Un)an-Un)an &en&an O&+i&a Jaa Ke%anan *a)a )aa+n/a mem%a&
'e&en&%an &en&an +aniai )an &a&a 'e..a 4goernance5 )a+i .embaa /an memi.i'i&+i&a *ena&%+an )an *ena$aan &e+#a)a* e'&+ (aa 'e%anan" Se)an'an 'e&en&%an
menenai (eni-(eni *+)%' (aa 'e%anan, a'%*an )an ba&a-ba&a 'eia&an .embaa (aa
'e%anan, '%a.ii'ai )an '+i&e+ia .embaa (aa 'e%anan, &in'a& 'ee#a&an )an *ena&%+an*+%)enia. e+&a 'e&en&%an &en&an (aa *en%n(an e'&+ (aa 'e%anan )an .ain ebaain/a/an men/an'%& &+ana'i (aa 'e%anan )ia&%+ )a.am %n)an-%n)an e'&+a.
&e+en)i+i, /ai&% Un)an-Un)an &en&an Pe+ban'an, Paa+ M)a., Ua#a Pe+a%+anian,Dana Peni%n, )an *e+a&%+an *e+%n)an-%n)anan .ain /an &e+'ai& )enan e'&+ (aa
'e%anan .ainn/a"
O&+i&a Jaa Ke%anan )iben&%' )enan &%(%an aa+ 'ee.%+%#an 'eia&an (aa
'e%anan )i )a.am e'&+ (aa 'e%anan &e+e.ena+a ea+a &e+a&%+, a)i., &+an*a+an, )ana'%n&abe., e+&a mam*% me$%(%)'an i&em 'e%anan /an &%mb%# ea+a be+'e.an(%&an
)an &abi., )an mam*% me.in)%ni 'e*en&inan 'n%men )an ma/a+a'a&" Denan
&%(%an ini, OJK )i#a+a*'an )a*a& men)%'%n 'e*en&inan e'&+ (aa 'e%anan naina.e#ina mam*% menin'a&'an )a/a ain naina." Se.ain i&%, OJK #a+% mam*% men(aa'e*en&inan naina., an&a+a .ain, me.i*%&i %mbe+ )a/a man%ia, *ene..aan,
*enen)a.ian, )an 'e*emi.i'an )i e'&+ (aa 'e%anan, )enan &e&a* mem*e+&imban'an
a*e' *i&i .ba.iai"
O&+i&a Jaa Ke%anan )iben&%' )an )i.an)ai )enan *+ini*-*+ini* &a&a 'e..a /an bai',/an me.i*%&i in)e*en)eni, a'%n&abi.i&a, *e+&an%n(a$aban, &+an*a+ani, )an 'e$a(a+an
4fairness5"
Sea+a 'e.embaaan, O&+i&a Jaa Ke%anan be+a)a )i .%a+ Peme+in&a#, /an )ima'nai
ba#$a O&+i&a Jaa Ke%anan &i)a' men(a)i baian )a+i 'e'%aaan Peme+in&a#" Nam%n,&i)a' men%&%* 'em%n'inan a)an/a %n%+-%n%+ *e+$a'i.an Peme+in&a# 'a+ena *a)a#a'i'a&n/a O&+i&a Jaa Ke%anan me+%*a'an &+i&a )i e'&+ (aa 'e%anan /an
memi.i'i +e.ai )an 'e&e+'ai&an /an '%a& )enan &+i&a .ain, )a.am #a. ini &+i&a i'a.)an mne&e+" O.e# 'a+ena i&%, .embaa ini me.iba&'an 'e&e+$a'i.an %n%+- %n%+ )a+i 'e)%a
&+i&a &e+eb%& ea+a Ex-officio" Kebe+a)aan Ex-officio ini )ima'%)'an )a.am +an'a'+)inai, 'e+(a ama, )an #a+mniai 'ebi(a'an )i bi)an i'a., mne&e+, )an e'&+ (aa
'e%anan" Kebe+a)aan
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3" aa """
- 8 -
Ex-officio (%a )i*e+.%'an %na mema&i'an &e+*e.i#a+an/a 'e*en&inan naina. )a.am
+an'a *e+ainan .ba. )an 'ee*a'a&an in&e+naina., 'eb%&%#an '+)inai, )an*e+&%'a+an in+mai )a.am +an'a men(aa )an meme.i#a+a &abi.i&a i&em 'e%anan"
Un&%' me$%(%)'an '+)inai, 'e+(a ama, )an #a+mniai 'ebi(a'an /an bai', O&+i&aJaa Ke%anan #a+% me+%*a'an baian )a+i i&em *en/e.ena+aan %+%an *eme+in&a#an
/an be+in&e+a'i ea+a bai' )enan .embaa-.embaa nea+a )an *eme+in&a#an.ainn/a )a.am mena*ai &%(%an )an i&a-i&a 'eme+)e'aan In)neia /an &e+an&%m )a.am
'n&i&%i Nea+a Kea&%an Re*%b.i' In)neia"
In)e*en)eni O&+i&a Jaa Ke%anan &e+e+min )a.am 'e*emim*inan O&+i&a Jaa
Ke%anan" Sea+a +an *e+e+anan, *im*inan O&+i&a Jaa Ke%anan memi.i'i 'e*a&ianmaa (aba&an )an &i)a' )a*a& )ibe+#en&i'an, 'e%a.i memen%#i a.aan /an ea+a &ea
)ia&%+ )a.am Un)an-Un)an ini" Di am*in i&%, %n&%' men)a*a&'an *im*inan O&+i&aJaa Ke%anan /an &e*a&, Un)an-Un)an ini mena&%+ me'anime e.e'i /an &+an*a+an,
a'%n&abe., )an me.iba&'an *a+&ii*ai *%b.i' me.a.%i %a&% *ani&ia e.e'i /an %n%+-%n%+n/a &e+)i+i a&a Peme+in&a#, Ban' In)neia, )an ma/a+a'a& e'&+ (aa 'e%anan"
O&+i&a Jaa Ke%anan me.a'ana'an &%a )an $e$enann/a be+.an)a'an aa-aa
ebaai be+i'%&!
1" aa in)e*en)eni, /a'ni in)e*en)en )a.am *enambi.an 'e*%&%an )an *e.a'anaan
%ni, &%a, )an $e$enan OJK, )enan &e&a* e%ai *e+a&%+an *e+%n)an-
%n)anan /an be+.a'%
2" aa 'e*a&ian #%'%m, /a'ni aa )a.am nea+a #%'%m /an men%&ama'an
.an)aan *e+a&%+an *e+%n)an-%n)anan )an 'ea)i.an )a.am e&ia* 'ebi(a'an*en/e.ena+aan O&+i&a Jaa Ke%anan
6" aa 'e*en&inan %m%m, /a'ni aa /an membe.a )an me.in)%ni 'e*en&inan
'n%men )an ma/a+a'a& e+&a mema(%'an 'ee(a#&e+aan%m%m
8" aa 'e&e+b%'aan, /a'ni aa /an memb%'a )i+i &e+#a)a* #a' ma/a+a'a& %n&%'mem*e+.e# in+mai /an bena+, (%(%+, )an &i)a' )i'+imina&i &en&an
*en/e.ena+aan O&+i&a Jaa Ke%anan, )enan &e&a* mem*e+#a&i'an*e+.in)%nan a&a #a' aai *+iba)i )an .nan, e+&a +a#aia nea+a,
&e+ma%' +a#aia ebaaimana )i&e&a*'an )a.am *e+a&%+an *e+%n)an-%n)anan
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Paa. 8 """
- 3 -
3" aa *+eina.i&a, /a'ni aa /an men%&ama'an 'ea#.ian )a.am *e.a'anaan
&%a )an $e$enan O&+i&a Jaa Ke%anan, )enan &e&a* be+.an)a'an *a)a')e e&i' )an 'e&en&%an *e+a&%+an *e+%n)an-%n)anan
9" aa in&e+i&a, /a'ni aa /an be+*ean &e%# *a)a ni.ai-ni.ai m+a. )a.am e&ia*&in)a'an )an 'e*%&%an /an )iambi. )a.am *en/e.ena+aan O&+i&a Jaa
Ke%anan )an
;" aa a'%n&abi.i&a, /a'ni aa /an menen&%'an ba#$a e&ia* 'eia&an )an #ai. a'#i+)a+i e&ia* 'eia&an *en/e.ena+aan O&+i&a Jaa Ke%anan #a+% )a*a&
)i*e+&an%n(a$ab'an 'e*a)a *%b.i'"
Se(a.an )enan *+ini*-*+ini* &a&a 'e..a )an aa-aa )i a&a, O&+i&a Jaa Ke%anan #a+%memi.i'i &+%'&%+ )enan *+ini* checks and ba!ances" Ha. ini )i$%(%)'an )enan
me.a'%'an *emia#an /an (e.a an&a+a %ni, &%a, )an $e$enan *ena&%+an )an*ena$aan" ?%ni, &%a, )an $e$enan *ena&%+an e+&a *ena$aan )i.a'%'an .e#
De$an Kmiine+ me.a.%i *embaian &%a /an (e.a )emi *ena*aian &%(%an O&+i&a JaaKe%anan" T%a an&a De$an Kmiine+ me.i*%&i bi)an &%a &e+'ai& ')e e&i',
*ena$aan in&e+na. me.a.%i me'anime )e$an a%)i&, e)%'ai )an *e+.in)%nan 'n%men,
e+&a %ni, &%a, )an $e$enan *ena$aan %n&%' e'&+ Pe+ban'an, Paa+ M)a.,Pe+a%+anian, Dana Peni%n, Lembaa Pembia/aan, )an Lembaa Jaa Ke%anan Lainn/a"
Be+)aa+'an .a&a+ be.a'an *emi'i+an )an a*e' &e+eb%& ma'a )iben&%'
Un)an-Un)an &en&an O&+i&a Jaa Ke%anan" II" PASAL
DEMI PASAL
Paa. 1
%'%* (e.a"
Paa. 2
%'%* (e.a"
Paa. 6
%'%* (e.a"
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H%+% b """
- 9 -
Paa. 8
Denan &%(%an ini, OJK )i#a+a*'an )a*a& men)%'%n 'e*en&inan e'&+ (aa
'e%anan naina. e#ina mam*% menin'a&'an )a/a ain naina." Se.ain i&%, OJK
#a+% mam*% men(aa 'e*en&inan naina., an&a+a .ain me.i*%&i %mbe+ )a/a man%ia,*ene..aan, *enen)a.ian, )an 'e*emi.i'an )i e'&+ (aa 'e%anan, )enan &e&a*
mem*e+&imban'an a*e' *i&i .ba.iai"
H%+% a
%'%* (e.a"
H%+% b
%'%* (e.a"
H%+%
Yan )ima'%) )enan me.in)%ni 'e*en&inan Kn%men )an ma/a+a'a&&e+ma%' *e+.in)%nan &e+#a)a* *e.ana+an )an 'e(a#a&an )i e'&+ 'e%anan
e*e+&i mani*%.ai )an be+baai ben&%' *ene.a*an )a.am 'eia&an (aa'e%anan"
Paa. 3
%'%* (e.a"
Paa. 9
%'%* (e.a"
Paa. ;
Pena&%+an )an *ena$aan menenai 'e.embaaan, 'ee#a&an, a*e' 'e#a&i-#a&ian,
)an *eme+i'aan ban' me+%*a'an .in'%* *ena&%+an )an *ena$aan
microprudentia! /an men(a)i &%a )an $e$enan OJK" A)a*%n .in'%* *ena&%+an)an *ena$aan macroprudentia!, /a'ni *ena&%+an )an *ena$aan e.ain #a. /an)ia&%+ )a.am *aa. ini, me+%*a'an &%a )an $e$enan Ban' In)neia" Da.am
+an'a *ena&%+an )an *ena$aan macroprudentia!, OJK memban&% Ban'In)neia %n&%' me.a'%'an #imba%an m+a. 4mora! suasion5 'e*a)a Pe+ban'an"
Paa. :
H%+% a
%'%* (e.a"
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Lan'a# """
- ; -
H%+% b
Yan )ima'%) )enan *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa
'e%anan a)a.a# *e+a&%+an *e+%n)an-%n)anan menenai Lembaa Jaa
Ke%anan )an *i#a' /an me.a'%'an 'eia&an )i e'&+ (aa 'e%anan"
H%+%
%'%* (e.a"
H%+% )%'%* (e.a"
H%+% e
%'%* (e.a"
H%+%
Yan )ima'%) )enan *e+in&a# &e+&%.i a)a.a# *e+in&a# ea+a &e+&%.i%n&%' me.a'ana'an a&a% &i)a' me.a'ana'an 'eia&an &e+&en&% %na memen%#i
'e&en&%an *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa 'e%anan )an>a&a%
menea# )an men%+ani 'e+%ian Kn%men, ma/a+a'a&, )an e'&+ (aa
'e%anan"Pe+in&a# &e+&%.i )ibe+i'an an&a+a .ain %n&%' menan&i *en%+% a&a%*i#a' &e+&en&% )i Lembaa Jaa Ke%anan, men#en&i'an, memba&ai, a&a%mem*e+bai'i 'eia&an %a#a a&a% &+ana'i, men#en&i'an a&a% men%ba#*e+(an(ian an&a+a Lembaa Jaa Ke%anan )enan *i#a' .ain /an )i)%ame+%i'an Kn%men, ma/a+a'a&, )an e'&+ (aa 'e%anan, e+&amen/am*ai'an in+mai, )'%men, )an>a&a% .a*+an &e+&en&% 'e*a)a OJK"
H%+%
Yan )ima'%) )enan *ene..a &a&%&e+ a)a.a# +an *e+e+anan a&a%
ba)an #%'%m /an )i&e&a*'an OJK %n&%' me.a'ana'an 'e$enanan OJK"
Pene..a &a&%&e+ me.a'ana'an 'e$enanan OJK, an&a+a .ain, %n&%'memen%#i 'e&en&%an *e+a&%+an *e+%n)an-%n)anan )i e'&+ (aa 'e%anan,
menea# )an men%+ani 'e+%ian Kn%men, ma/a+a'a&, )an e'&+ (aa'e%anan, )an>a&a% *embe+an&aan 'e(a#a&an 'e%anan /an )i.a'%'an *i#a'
&e+&en&% )i e'&+ (aa 'e%anan"
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- : -
Lan'a# /an )i.a'%'an *ene..a &a&%&e+ an&a+a .ain me.a.%i *en/e.ama&an
'e.an%nan %a#a Lembaa Jaa Ke%anan &e+&en&%, *enambi.a.i#an e.%+%#$e$enan )an %ni mana(emen Lembaa Jaa Ke%anan .e# *ene..a
&a&%&e+, *emba&a.an a&a% *ena'#i+an *e+(an(ian, e+&a *ena.i#an *+&.i'e'a/aan a&a% %a#a )a+i Lembaa Jaa Ke%anan"
H%+% #
%'%* (e.a"
H%+% i
%'%* (e.a"
Paa. 7
H%+% a
%'%* (e.a"
H%+% b
Pena$aan De$an Kmiine+ &e+#a)a* *e.a'anaan &%aKe*a.a E'e'%&i )i&%(%'an %n&%' mene=a.%ai )an mem*e+bai'i 'ine+(a )a+iKe*a.a E'e'%&i" Pena$aan &e+eb%& &i)a' )ima'%)'an %n&%' membe+i'e$enanan 'e*a)a De$an Kmiine+ %n&%' menin&e+=eni a&a% &%+%&am*%+ &e+#a)a* *e.a'anaan &%a )an $e$enan e&ia* Ke*a.a E'e'%&i"
H%+%
%'%* (e.a"
H%+% )
%'%* (e.a"
H%+% e%'%* (e.a"
H%+%
%'%* (e.a"
H%+%
%'%* (e.a"
H%+% #
%'%* (e.a"
Paa. 10 """
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- 7 -
Paa. 10
A/a& 415
De$an Kmiine+ me+%*a'an *im*inan &e+&ini OJK" Da.am +an'a*e.a'anaan 'e+(a ama )enan &+i&a .embaa *ena$a .embaa (aa
'e%anan )i nea+a .ain e+&a +aniai in&e+naina. )an .embaa in&e+naina..ainn/a )i e'&+ (aa 'e%anan, an&a De$an Kmiine+ be+&in)a' ebaai
*e(aba& /an me$a'i.i nea+a"
A/a& 425
Yan )ima'%) )enan be+ia& '.e'&i a)a.a# ba#$a e&ia* *enambi.an
'e*%&%an De$an Kmiine+ )i*%&%'an ea+a be+ama-ama .e# an&aDe$an Kmiine+"
Yan )ima'%) )enan be+ia& '.eia. a)a.a# ba#$a e&ia* *enambi.an'e*%&%an De$an Kmiine+ be+)aa+'an m%/a$a+a# %n&%' m%a'a& )enan
be+aa'an 'ee&a+aan )an 'e'e.%a+aan )i an&a+a an&a De$an Kmiine+"
A/a& 465
%'%* (e.a"
A/a& 485
H%+% a
%'%* (e.a"
H%+% b
%'%* (e.a"
H%+%
Ke*a.a E'e'%&i Pena$a Pe+ban'an memim*in &%a *ena$aan&e+#a)a* 'eia&an (aa 'e%anan )i e'&+ Pe+ban'an"
H%+% )
Ke*a.a E'e'%&i Pena$a Paa+ M)a. memim*in &%a *ena$aan&e+#a)a* 'eia&an (aa 'e%anan )i e'&+ Paa+ M)a."
H%+% e
Ke*a.a E'e'%&i Pena$a Pe+a%+anian, Dana Peni%n, Lembaa
Pembia/aan )an Lembaa Jaa Ke%anan Lainn/a
memim*in """