Kedudukan Lembaga Penjamin Simpanan dalam Perlindungan Dana Nasabah Bank

Abstract

Economic activity of a country is not separatable to the transaction of money in which banking industry plays a significantly strategic role and even it can be said to be heart of economy system. The main activity of bank includes to collect fund of society and redistribute it to the society. Bank works based on confidential principle; therefore, it is required to keep the bank is always in healthy condition. A healthy bank can ensure the safety of savings of the costumers and can improve the role of bank as a supplier of development fund and banking service. Given the increased confidence of society, it means the more number of societies to save and invest in bank, banking stability stays to keep, and bank can grow quicker and sustainable. To keep the continuity of banking business, the Laws No. 7 of 1992 offers a protection on customers implicitly by offering authority of guide and control to Central Bank of Indonesia (BI). The guide and control of Central Bank of Indonesia is realized further in the article 29 through 37 B of the Laws No. 10 of 1998 regarding the Banking and the article 24 through 35 of the Laws No. 23 of 1999 regarding Central Bank of Indonesia. The implicit protection is implemented by establishing the Deposit Insurance Corporation (LPS). The Deposit Insurance Corporation of Savings is a corporate which is independent, transparent, and accountable in implementing the duty and authority. The existence of the Deposit Insurance Corporation is related to the completion and management of failed Bank. In the case of failure to meet the requirements by the failed bank which has not a systemic impact or LPS decides to terminate the safety process, LPS asks for termination /deprivation of the business license of bank according to the Statutory Rules. Furthermore, the LPS implements payment of any claim on the saving customers who's their licenses are deprived. According to the regulation in the Laws No. 24 of 2004 regarding the Deposit Insurance Corporation (LPS), the limitation of total savings ensured by the LPS has increased in the ensured total of the banking customers from Rp. 100.000.000 into Rp. 2.000.000.000 (two billion rupiah) per customer of any bank since on 13 October 2008. Implementation of the policy is based on the consideration that the objective of establishing the Deposit Insurance Corporation is to protect majority of the customers who depositing in the banking institution. Legal patronage is an effort of keeping and maintaining the confidence of society especially customers. Given the Deposit Insurance Corporation (LPS< the confidence of society on the banking more increase so that the economic asset. more increased. Thus, it can be said that the deposit insurance system offered by the LPS has been maximal.