Persyaratan modal inti bank syariah dalam kegiatan bank syariah bagi masyarakat = Islamic bank core capital requirements in sharia bank activities for the community

Firmansyah, Evi (2023) Persyaratan modal inti bank syariah dalam kegiatan bank syariah bagi masyarakat = Islamic bank core capital requirements in sharia bank activities for the community. Masters thesis, Universitas Pelita Harapan.

Preview	Text (Title) CT_01659210023_Evi Firmansyah.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (33kB) | Preview
Preview	Text (Abstract) Abstract.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (202kB) | Preview
Preview	Text (ToC) ToC.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (205kB) | Preview
Preview	Text (Chapter1) Chapter1.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (2MB) | Preview
	Text (Chapter2) Chapter2.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (3MB)
	Text (Chapter3) Chapter3.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB)
	Text (Chapter4) Chapter4.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (6MB)
	Text (Chapter5) Chapter5.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (457kB)
Preview	Text (Bibliography) Bibliography.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (725kB) | Preview
	Text (Appendices) Appendices.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB)

Abstract

Pendirian Bank Syariah dimulai sejak disahkannya Undang-Undang No. 7 Tahun 1992 tentang Perbankan Syariah yang diubah dengan Undang-Undang No. 10 Tahun 1998 tentang perubahan atas Undang-Undang sebelumnya serta Undang-Undang No. 21 Tahun 2008 tentang Perbankan Syariah dan PBI No. 11/3/2009 tentang Bank Umum Syariah. Sesuai dengan ketentuan perundang-undangan yang berlaku, maka Modal disetor sebagai modal inti mendirikan Bank Syariah ditetapkan paling kurang sebesar Rp. 1 Triliun. Pemerintah menerbitkan POJK No. 41/POJK.03/2019 tentang Penggabungan, Peleburan, Pengambilalihan, Integrasi dan Konversi Bank Umum dan POJK No. 12/POJK.03/2020 serta Perintah Tertulis No. 18 Tahun 2022. Dengan menerbitkan POJK tersebut, Pemerintah berharap terjadi konsolidasi perbankan di Indonesia untuk memudahkan dalam penanganan, pengawasan kegiatan, dan penguatan permodalan. Pemegang saham harus memahami dengan jelas penerapan hukum dari ketentuan mengenai konsolidasi dan modal inti bank syariah didalam peraturan perundang-undangan tersebut. Konsekuensi terhadap kepastian keberlangsungan kegiatan perbankan apabila tidak dapat memenuhi ketentuan tersebut dan dampak dari penerbitan peraturan tersebut yang ingin diteliti lebih lanjut oleh penulis. Penelitian ini, melakukan penelitian hukum normatif serta ditambah dengan wawancara dan pengumpulan data menggunakan teknik studi kepustakaan. Berdasarkan hasil penelitian, ketentuan POJK No. 12/2020 berjalan efektif terhadap konsolidasi perbankan syariah di Indonesia. Jumlah bank syariah yang tadinya 14 (empat belas) pada Desember 2020 menjadi 12 (dua belas) karena terjadinya penggabungan/merger pada Juni 2022. Terdapat 6 (enam) bank syariah yang membuat Kelompok Usaha Bank (KUB) dengan pemegang saham pengendali bank induk konvensional dan 2 (dua) bank syariah hasil konversi dari bank umum konvensional yang dimiliki oleh Pemerintah Daerah. / The establishment of Islamic Banks began with the enactment of Law no. 7 of 1992 concerning Islamic Banking which was amended by Law no. 10 of 1998 concerning amendments to the previous Law and Law no. 21 of 2008 concerning Sharia Banking and PBI No. 11/3/2009 concerning Islamic Commercial Banks. According to the applicable laws and regulations, the paid-up capital as Tier 1 capital for establishing a Sharia Bank is set at a minimum of One Trillion Rupiah. The government issued POJK No. 41/POJK.03/2019 concerning Mergers, Consolidations, Acquisitions, Integration and Conversion of Commercial Banks and POJK No. 12/POJK.03/2020 and Written Order No. 18 of 2022. By issuing the POJK, the Government hopes that there will be banking consolidation in Indonesia to facilitate handling, monitoring activities, and strengthening capital. Shareholders must clearly understand the legal application of the provisions regarding the consolidation and Tier 1 capital of Islamic banks in these laws and regulations. The consequences for the certainty of the continuity of banking activities if it cannot comply with these provisions and the impact of the issuance of these regulations which the author wishes to examine further. This research conducted normative legal research as well as coupled with interviews and data collection using library study techniques. The research concludes or suggest that POJK provisions No. 12/2020 has been effective for the consolidation of Islamic banking in Indonesia. The number of Islamic banks, which was 14 (fourteen) in December 2020, has increased to 12 (twelve) due to a merger in June 2022. There are 6 (six) Islamic banks that have formed a Bank Business Group (KUB) with conventional holding bank controlling shareholders and 2 (two) Islamic banks converted from conventional commercial banks owned by the Regional Government.

Actions (login required)

View Item