ANALISIS YURIDIS PENGATURAN HYBRID PRODUCT LEMBAGA PERBANKAN YANG BERKEPASTIAN HUKUM
| Main Author: | Sistha, Divya |
|---|---|
| Format: | Article eJournal |
| Bahasa: | ind |
| Terbitan: |
Kumpulan Jurnal Mahasiswa Fakultas Hukum
, 2018
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| Online Access: |
http://hukum.studentjournal.ub.ac.id/index.php/hukum/article/view/2806 |
Daftar Isi:
- Divya Sistha, Dr. Siti Hamidah, S.H., M.M., Dr. Reka Dewantara, S.H., M.H. Fakultas Hukum Universitas Brawijaya E-mail: divsistha11@gmail.com ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaturan tentang hybrid product di dalam tata hukum Indonesia sehingga dapat memberikan kepastian hukum. Penelitian disusun berdasarkan penelitian normatif dengan menggunakan pendekatan perundang-undangan dan pendekatan konsep. Hasil yang diperoleh menunjukkan bahwa sistem perbankan dalam hal menyediakan keragaman produk yang dianut oleh Indonesia, yaitu commercial banking system perlahan bergeser kearah universal banking system. Pergeseran tersebut dibuktikan dengan kegiatan usaha bank yang mulai beragam tidak hanya menjalankan fungsi intermediasi. Keberagaman produk bank yang memasukkan unsur lembaga keuangan lain didalamnya, disebut sebagai hybrid product. Hybrid product di Indonesia diawali dengan kerjasama pemasaran dan keagenan, namun kini mengalami perkembangan sehingga memiliki karakteristik penggabungan antara produk bank, produk perusahaan asuransi serta produk perusahaan manajemen investasi. Bahkan terdapat suatu kondisi dimana antar lembaga keuangan penerbit hybrid product tergabung di dalam satu perusahaan grup. Kondisi tersebut mengharuskan Otoritas Jasa Keuangan membentuk pengaturan secara khusus, disamping telah diaturnya peraturan mengenai hybrid product yang berbentuk bancassurance maupun APERD. Keperluan pengaturan secara khusus disesuaikan dengan karakteristik dan kompleksitas usaha yang dimiliki oleh hybrid product. Hal ini dimaksudkan agar nantinya terbangun kepastian hukum bagi lembaga keuangan maupun nasabah pengguna hybrid product, terutama ditujukan bagi bank dalam hal penerapan prinsip kehati-hatian dan manajemen risiko. Pengutamaan bank dalam penerbitan hybrid product merupakan akibat dari posisi bank yang bertindak sebagai pintu utama bagi nasabah dalam hal menempatkan dananya dalam bentuk tabungan. Kata Kunci: analisis, hybrid product, kepastian hukum ABSTRACTThis research is aimed to analyze the management of hybrid product according to the law in Indonesia to provide legal certainty. This research was categorized into normative research with the statute and conceptual approach. From the research result, it is obtained that banking system, in terms of providing a range of products in Indonesia, such as commercial banking system, has switched to the universal banking system. This change is marked by several products from banks, not only restricted to the running of intermediation function, one of which products are called hybrid product which involves other financial elements into the product. Hybrid product in Indonesia started from marketing and agency partnership, in whose process of development it now has hybrid characteristics of banking product, insurance’s company’s product, and investment management company’s product. It is even possible to find that several financial institutions that provide hybrid products are united into one company group. This surely requires Financial Services Authority (OJK) to set a special regulation in addition to existing regulations such as bancassurance and APERD. This need should be adjusted to the business characteristics and complexity of the hybrid product. This adjustment is expected to be able to establish legal certainty for both financial institutions and bank clients who use the hybrid product, especially addressed to banks in terms of the implementation of precaution principles and risk management. The essence of providing hybrid product is influenced by the fact that the bank serves as the main gate for clients in terms of helping them with their savings. Keywords: analysis, hybrid product, legal certainty