KEWENANGAN LEMBAGA PENJAMIN SIMPANAN DALAM PENYELESAIAN BANK GAGAL BERDAMPAK NON SISTEMIK (Studi di Lembaga Penjamin Simpanan Jakarta)

Abstract

Maria Sari Megaputri, Dr. Bambang Winarno, SH., MS., Ranitya Ganindha, SH., MH.

 

Fakultas Hukum Universitas Brawijaya

 

mariasarimegaputri@gmail.com

 

 

Lembaga perbankan merupakan salah satu lembaga keuangan yang mempunyai peranan penting dalam perekonomian di Indonesia. Lembaga perbankan yang sehat dan stabil tidak hanya dapat memberikan pengaruh positif terhadap perekonomian negara dan stabilitas nasional, tetapi juga dapat menunjang dan meningkatkan pelaksanaan pembangunan nasional, khususnya di Indonesia. Lembaga Penjamin Simpanan (LPS) dibentuk untuk menjaga kepercayaan masyarakat terhadap bank agar masyarakat mau menyimpan dananya kepada bank. Tingkat kepercayaan masyarakat dapat menurun terhadap bank yang dinyatakan gagal, maka disinilah peran Lembaga Penjamin Simpanan (LPS) untuk menjaga kepercayaan masyarakat terhadap lembaga perbankan tidak menurun ketika suatu bank dinyatakan sebagai bank gagal. Bank gagal sendiri terdiri dari dua jenis, yaitu bank gagal berdampak sistemik dan bank gagal berdampak non sistemik. Penanganan bank gagal berdampak non sistemik yang dilakukan oleh Lembaga Penjamin Simpanan (LPS) dimulai dari penentuan bank gagal tersebut akan diselamatkan atau tidak diselamatkan. Hingga saat ini, semua bank gagal yang berdampak non sistemik tidak diselamatkan oleh Lembaga Penjamin Simpanan. Berdasarkan hal tersebut penulis ingin meneliti tentang kewenangan Lembaga Penjamin Simpanan dalam penyelesaian bank gagal berdampak non sistemik.

Kata Kunci:   Kewenangan, Lembaga Penjamin Simpanan, dan Bank Gagal Berdampak Non Sistemik.

 

 

 

 

 

ABSTRACT

THE AUTHORITY OF INDONESIA DEPOSIT INSURANCE CORPORATION IN THE SETTLEMENT OF FAILED BANK RESULTING ON NON SYSTEMIC IMPACT

(A Study at Jakarta’s Indonesia Deposit Insurance Corporation)

Maria Sari Megaputri, Dr. Bambang Winarno, SH., MS., Ranitya Ganindha, SH., MH.

 

Faculty of Law, Brawijaya University

 

mariasarimegaputri@gmail.com

 

 

Banking institutions is one of the financial institutions that have an important role in the economy in Indonesia. A healthy and stable banking institution can not only give positive influence to the country’s and national stability, but also can support and improve the implementation of national development, especially in Indonesia. The Indonesia Deposit Insurance Corporation is established to maintain public confidencein the bank so that the public would deposit the funds to the bank. The level of public confidence may decrease against the stated bank fails, then it is the role of the Indonesia Deposit Insurance Corporation to keep public confidence in the banking institutions not decreasing when a bank is declared failed. There are two types of failed bank, namely failed bank with systemic impact and that of non-systemic impact. The solution offered to failed bank with non-systemic impact conducted by the Indonesia Deposit Insurance Corporation (IDIC) is initiated by determination whether the failed bank will be save or not. To date, all failed bank with non-systemic impact have not been saved by the Indonesia Deposit Insurance Corporation. Therefore, this research aimed at examining the authority of the Indonesia Deposit Insurance Corporation in the settlement of failed bank with non-systemic impact.

 

Key Words: Authority, Indonesia Deposit Insurance Corporation, and Failed Bank with Non-Systemic Impact.