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Journal : KEADILAN PROGRESIF

Prinsip Kehati-Hatian pada Lembaga Perbankan dalam Pemberian Kredit Lukmanul Hakim; Travilta Oktaria
KEADILAN PROGRESIF Vol 9, No 2 (2018): September
Publisher : Universitas Bandar Lampung (UBL)

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Abstract

Banks are institutions that channel credit as much as possible and serves to increase the need for services for banking services to the community. Banking competition is increasingly stringent, banks are required to proactively provide credit products that can meet the needs of diverse communities with innovative product design, competitive, responsive to the needs of customers and profitable.To anticipate and review the competition between one bank with another bank, the funds collected must be planned properly and maximally so that it can be channeled to the community through a credit loan. In connection with the application of prudential banking principles or known as prudential banking. The problem of this research is how to apply prudential principles in lending to customers. The method used in this study  is the normative juridical approach, the examination of the rules, norms, rules and further analysis of the data used is qualitative jurisdiction. Based on the results of the research shows that the application of prudential principles in the provision of credit to customers conducted by banking institutions to minimize the occurrence of bad loans. Implementation of several rules before giving credit to customers has been done, by implementing the basic principles of crediting and carrying out prudential principles such as Principle 5C which is character, capacity, capital, collateral, and condition of economy.
Regulasi Pemerintah dalam Pasar Modal pada Era Otoritas Jasa Keuangan (OJK) Lukmanul Hakim
KEADILAN PROGRESIF Vol 8, No 2 (2017): September
Publisher : Universitas Bandar Lampung (UBL)

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Abstract

The capital market is a very dynamic industry, attractive, constantly changing, which is one element that is a benchmark for economic progress of a country in which traits - traits industrialized countries as well as new industry is the capital market has been growing and developing well. Characteristics is a consequence of the need for an independent regulator and ready to face the dynamics of these changes. Based on Law No. 8 of 1995 on Capital Markets, guidance, regulation, and daily supervision conducted by Bapepam Capital Market which aims to achieve capital market activities orderly, fair and efficient and protect the interests of investors and the public. After the establishment of the Financial Services Authority in which the passing of Law No. 21 Year 2011 on the Financial Services Authority, the agency is an independent body replacing the oversight function performed by BAPEPAM.
Analisis Alternatif Penyelesaian Sengketa Antara Pihak Nasabah dengan Industri Jasa Keuangan pada Era Otoritas Jasa Keuangan (OJK) Lukmanul Hakim
KEADILAN PROGRESIF Vol 6, No 2 (2015): September
Publisher : Universitas Bandar Lampung (UBL)

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Abstract

Banking is one of the institutions that have an important and strategic role in various fields, among others in community activities, especially in the field of financial and economic activities to meet the needs of any particular individual. The continued development of the banking business is currently pushing the more the likelihood of disputes between bank customers and banks which could reduce public confidence in the Bank. As from January 2014 the functions, duties and powers of regulation and supervision of banking mediation activities previously carried out by Bank Indonesia (BI), which has now been transferred to the Financial Services Authority (FSA). Then, after the FSA has a role in dispute resolution, including out of court dispute resolution conducted by the FSA through the Institute of Alternative Dispute Resolution (LAPS).