PROPOSISI HUKUM ANTARA SURAT EDARAN BANKINDONESIA NOMOR 13/28/DPNP PERIHAL PENERAPAN STRATEGI ANTI FRAUD BAGI BANK UMUM DENGAN PERATURAN BANK INDONESIA NOMOR 11/25/2009TENTANG PENERAPAN MANAJEMEN RISIKO
| Main Authors: | Aprianto, Roy, Hadi, Hernawan, ,, Pujiyono |
|---|---|
| Format: | Article application/pdf eJournal |
| Bahasa: | ind |
| Terbitan: |
PRIVAT LAW II
, 2017
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| Online Access: |
http://jurnal.hukum.uns.ac.id/index.php/PRIVATLAWII/article/view/1229 |
Daftar Isi:
- AbstractThis study was a normative law research that was prescriptive and used law approach (statue approach). The source and type of law material used was primary on supported by secondary law material. To prevent a loss in the previous bank, Bank Indonesia published Bank Indonesia Regulation No. 11/25 /PBI/2009 on Amendment of Bank Indonesia Regulation No. 5/8/PBI/2003 concerning Application of Risk Management for Commercial Banks. In essence, this regulation requires banks to apply the precautionary principle in implementing structured products that can control the potential loss arising from all activities of the bank. Along the way, the rules are expected to prevent losses in the banking turns out it is less effective. Based on the disclosure of the various cases of fraud in the banking sector adverse customer and/or the Bank as mentioned earlier, Bank Indonesia published Circular Letter of Bank Indonesia No. 13/28/DPNP concerning the Application of Anti-Fraud Strategy for Commercial Banks. This study aims to determine propotition of Circular Letter of Bank Indonesia No. 13/28/DPNP concerning the Application of Anti-Fraud Strategy for Commercial Banks with Bank Indonesia Regulation No. 5/8/PBI/2003 concerning Application of Risk Management for Commercial Banks. Keywords: Bank Indonesia, Banking Supervision, Banking FraudAbstrakPenelitian ini merupakan penelitian hukum normatif yang bersifat preskriptif dengan pendekatan perundang-undangan (statue approach). Sumber bahan hukum yang digunakan adalah bahan hukum primer yang didukung dengan bahan hukum sekunder. Untuk mencegah kerugian pada bank, sebelumnya Bank Indonesia menerbitkan Peraturan Bank Indonesia Nomor 11/25/PBI/2009 tentang Perubahan Peraturan Bank Indonesia No. 5/8/PBI/2003 tentang Penerapan Manajemen Risiko bagi Bank Umum. Pada intinya, peraturan ini mewajibkan bank untuk menerapkan prinsip kehati-hatian dalam melaksanakan produk terstruktur yang dapat mengontrol potensi kerugian yang timbul dari seluruh kegiatan bank. Aturan yang diharapkan dapat mencegah kerugian pada sektor perbankan tersebut ternyata kurang efektif. Untuk menanggulangi kelemahan PBI tentang Penerapan Manajemen Risiko bagi Bank Umum, Bank Indonesia menerbitkan Surat Edaran Bank Indonesia Nomor 13/28/DPNP tentang Penerapan Strategi Anti Fraud bagi Bank Umum. Penelitian hukum ini bertujuan untuk mengetahui proposisi hukum antara Surat Edaran Bank Indonesia Nomor 13/28/DPNP tentang Penerapan Strategi Anti Fraud bagi Bank Umum dengan Peraturan Bank Indonesia No. 5/8/PBI/2003 tentang Penerapan Manajemen Risiko bagi Bank Umum.Kata kunci: Bank Indonesia, Pengawasan Bank, Fraud perbankan