FAILURE BANK DAN RESIKO SISTEMIK PERBANKAN (Sebuah Konsep Penanganan) - .... ..... (Program Studi Perbankan Syariah, IAIN Palopo, 2018)
AbstractFailure of a bank is a threat that can occur at any time if the bank is unable to meet its obligations on time when customers withdraw funds. The handling of bank problems has a systemic impact, whether in the stability of the normal financial system or the financial system crisis conditions set forth in Law No. 9 of 2016 psl 3, paragraph 1. Handling of systemic problems of banks is one of the tasks of the Financial System Stability Committee (KSSK) the technical implementation shall be submitted to the Deposit Insurance Corporation (LPS) in the case of handling in relation to the liquidity and solvency issues of the bank concerned Keywords: Failed Bank, Systemic Bank, Systemic Bank Handling AbstrakKegagalan suatu bank merupakan ancaman yang dapat terjadi kapan saja jika bank tidak mampu memenuhi kewajibannya tepat waktu ketika nasabah melakukan penarikan dana. Penanganan masalah bank berdampak sistemik, baik dalam stabilitas sistem keuangan normal atau kondisi krisis sistem keuangan diatur dalam Undang-undang No 9 tahun 2016 psl 3 ayat 1. Penanganan masalah bank berdampak sistemik merupakan salah satu tugas Komite Stabilitas Sistem Keuangan (KSSK) yang dalam masalah teknis pelaksanaannya menyerahkan kepada Lembaga Penjamin Simpanan (LPS) yang dalam hal penanganannya berkaitan dengan masalah likuiditas dan solvabilitas bank yang bersangkutan.Kata Kunci: Bank Gagal, Bank Sistemik, Penanganan Bank Sistemik Daftar PustakaAcharya.V.. L. Pedersen. T. Philippon. dan M. Richardson (2010). Measuring Systemic Risk. New York University Working Paper.Allen, F dan Gale, D, 2004, “Financial Fragility, Liquidity and Asset Price” Journal of the European Economic Association, vol 2, pp 1015-1048Billio, M., Getmansky, M., Lo, Andrew, dan Pelizzon, L, 2010, “Measuring Systemic Risk in the Finance and Insurance Sector”, MIT Sloan School, working paper # 4774-10De Bandt, O. and P. Hartmann, (2000). Systemic Risk: A Survey, CEPR Discussion Paper Series No. 2634.De Bandt, O., Hartman, P., dan Peydro, JL,. 2010 “Systemic Risk in Banking an update”, Oxford Hanbook of Banking, pp 634-664Freixas, Xavier., Parigi, Bruno., dan Rochet, Jean-Charles., 2000. “Systemic risk, interbank relations, and liquidity provisio by the Central Bank”. Journal of Money, Credit and Banking, Vol. 32 (3), pp. 611 – 638.Furfine, C. H, 2003,”Interbank Exposure; Quantifying the Risk of Contagion”, Journal of Money, Credit and Banking, vol 35, pp. 111-128Hadad, Muliaman, Santoso, Wimboh., dan Arianto, Bambang. 2003 “Indikator awal krisis perbankan”, www.bi.go.idKrinsa Wijaya, Penanganan Bank Gagal, http://lps.go.id/artikel/-/asset_publisher/0S8e/content/penanganan-bank-gagalLehar, Alfred., 2005. “Measuring Systemic Risk: A Risk Management Approach”. Journal of Banking & Finance, Vol. 29: hlm. 2577 – 2603.Maqdir Ismail, Bank Indonesia Dalam Perdebatan politik dan Hukum, Navila idea, Jogjakarta, 2009, hlm.21Peraturan Bank Indonesia No 13/13/PBI/2011 tentang Penilaian Kualitas Aktiva Bagi Bangk Umum Syariah dan Unit Usaha SyariahPeraturan OJK Nomor 15 /POJK.03/2017 tentang Penetapan Status Dan Tindak Lanjut Pengawasan Bank Umum, Pasal 27, 29, dan 34Perpu nomor 4 Tahun 2008 tentang jaring pengaman sistem keuanganRochet, J.C., dan Tirole, J.,”Interbank Lending and Systemic Risk”, Journal of Money, Credit dan Banking, vol 28, pp 733-762Undang-undang RI No. 24 Tahun 2004 tentang Lembaga Penjamin SimpananUndang-Undang Nomor 9 Tahun 2016, tentang pencegahan dan penganan krisis sistem keuanganUsman, Rachmadi. Aspek‐aspek Hukum Perbankan di Indonesia. Jakarta : PT Gramedia Pustaka Utama.2001. Hal 143