PENJAMINAN SIMPANAN DARI WAKTU KE WAKTU (STUDI PENJAMINAN SIMPANAN DI INDONESIA)

Refleksi Hukum: Jurnal Ilmu Hukum

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Title PENJAMINAN SIMPANAN DARI WAKTU KE WAKTU (STUDI PENJAMINAN SIMPANAN DI INDONESIA)
PENJAMINAN SIMPANAN DARI WAKTU KE WAKTU (STUDI PENJAMINAN SIMPANAN DI INDONESIA)
 
Creator Budiyono, Tri
 
Description Dari 3 (tiga) pilar industri keuangan, bank memiliki peran yang lebih penting. Goncangan terhadap bank, akan menimbulkan dampak yang signifikan terhadap perekonomian nasional. Sekalipun Indonesia memiliki kesejarahan pengaturan penjaminan nasabah bank sejak tahun 1973, akan tetapi perhatian secara serius baru diberikan sejak tahun 1998 ketika Indonesia mengalami krisis moneter. Penelitian ini difokuskan pada optik kesejarahan  lembaga penjaminan simpanan nasabah di Indonesia. Penelitian normatif dengan pendekatan kesejarahan dan dipadukan pendekatan perbandingan, menghasilkan simpulan bahwa perkembangan lembaga penjaminan nasabah bank dapat dipilah menjadi 3 (tiga) periode yang masing-masing menggunakan pola blanket guarantee dan limited deposit insurance. Perbandingan dengan Singapore of Deposit Insurance Company (SDIC) menghasilkan lesson learning perlunya Indonesia mengembangkan penjaminan yang mencakup Industri Keuangan Bukan Bank dan menerapkan sistem agregat.
Among the 3 (three) pillars of the financial industry, banks have a very important role. The bank instability is believed to deliver a significant impact on the national economy. Even though Indonesia started to regulate bank customer guarantees since 1973, the real concern of the matter came up in 1998 when Indonesia was experiencing a monetary crisis. This study focuses on the historical optics of customer deposit guarantee institutions in Indonesia. This normative research is combined with the approaches of historical and comparative. The research concludes that the development of bank customer guarantee institutions can be divided into 3 (three) periods which each period applies the patterns of a blanket guarantee and limited deposit insurance. A comparison with Singapore of Deposit Insurance Company (SDIC) was conducted and it created a lesson learning, that Indonesia needs to develop the guarantees which include Non-bank Financial Institusions and it needs to implement an aggregate systems.
 
Publisher Universitas Kristen Satya Wacana
 
Date 2019-07-31
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://ejournal.uksw.edu/refleksihukum/article/view/2674
10.24246/jrh.2019.v3.i2.p129-144
 
Source Refleksi Hukum: Jurnal Ilmu Hukum; Vol 3 No 2 (2019): Refleksi Hukum: Jurnal Ilmu Hukum; 129-144
2541-5417
2541-4984
10.24246/jrh.2019.v3.i2
 
Language ind
 
Relation https://ejournal.uksw.edu/refleksihukum/article/view/2674/1265
 
Rights Copyright (c) 2019 Refleksi Hukum: Jurnal Ilmu Hukum
http://creativecommons.org/licenses/by/4.0
 

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