Fungsi Pengawasan Bank Indonesia dalam Praktek Perbankan

Abstract

Bank Indonesia as a central bank in the Republic of Indonesia is regulated in Law No. 3/2004 on Bank Indonesia, and Government Official Gazette No. 4357/2004. In this law, it is stated that Bank Indonesia is an independent state institution and its duties are to decide and implement monetary policy, to supervise and maintain the smooth running of payment system, and to supervise and monitor the banks. The supervision in this context can be understood as indirect supervision especially in the forms of initial supervision through studying, analyzing and evaluating the bank reports and direct supervision in the form of inspection then followed with upgrading actions. Bank Indonesia is given authority of responsibility and full obligation to develop and supervise the banks through a preventive or repressive action. By supervising the banking practice, Bank Indonesia is believed to be able to improve the level of community's trust toward the banking system integrity and the bank itself that helps improve the economic condition. The result of this study reveals that (I) the 25 principles of effective bank control were arranged by a banking supervision committee called the Basie Committee on Banking Supervision. Seven of the 25 principles are grouped into core principles, namely, the principle of precondition for an effective bank control, the principle of licensing and structure, the principle of the stipulation of caution and condition, the principle of existing banking supervision method, the principle of condition of information, the principle of supervisor's authority, and the principle of inter-banking. The principle and method used in bank supervision is basically the same including regulation, indirect supervision, direct supervision, regular contact and communication with banks, remedial action and/or sanction application, and cooperation with the bank supervision authority of the other countries, (2) in doing banking supervision, Bank Indonesia has an authority to issue license, to regulate, to supervise and to apply sanction, and (3) the function and role of bank supervision have an important and strategic position in materializing a healthy banking system. The implementation of the function and role of the bank supervision reflects the care, attention and interest of the government in stabilizing the economy,