Peran Lembaga Penjamin Simpanan Dalam Penanganan Bank Gagal dan Strategi Pencegahan Krisis Keuangan di Indonesia
DOI:
https://doi.org/10.62383/aliansi.v1i5.393Keywords:
Bank, Bankruptcy, Crisis, FinanceAbstract
The banking industry has a crucial role in maintaining the balance of development and economic integrity of a country. Banks act as depositories and distributors of liquidity funds which are essential for the sustainability of economic activities. To carry out this function effectively, strict regulations and supervision are needed. As well as guaranteeing customer deposits to ensure healthy and sustainable bank operations. The financial crisis that occurred in 1997 in Indonesia showed structural weaknesses in the banking system, including ineffective supervision and weak bank management. The government responded with a Banking Guarantee program (Blanket Guarenteen), but this program faced various problems and was not continued. As a solution, the Deposit Insurance Corporation (LPS) was formed through Law Number 24 of 2004, which aims to increase public confidence in the banking system and maintain financial system stability. This research aims to analyze the role of LPS in dealing with failed banks and the effectiveness of banking regulations in preventing future financial crises. The results of the analysis are expected to provide policy recommendations to strengthen the stability of the banking system.
Downloads
References
CNBC. (2022). Dunia di bibir jurang resesi, pengamatan dari 1998 & 2008. Retrieved May 19, 2024, from CNBC Indonesia website: https://www.cnbcindonesia.com/news/20221001090436-4-376432/dunia-di-bibir-jurang-resesi-lebih-ngeri-dari-1998-2008#:~:text=Krisis%20keuangan%202008-2009%20dipicu,3%2C07%25%20pada%202009.
Hijrianti, S. (2009). Tugas dan peranan Lembaga Penjamin Simpanan dalam rangka penyehatan bank (studi kasus Bank Century) (Tesis, Universitas Islam Indonesia). Universitas Islam Indonesia, Yogyakarta. Retrieved from https://dspace.uii.ac.id/handle/123456789/9229
Jayadi, H., & Adolf, H. (2018). Fungsi Lembaga Penjamin Simpanan dalam hukum perbankan Indonesia. Jurnal Komunikasi Hukum (JKH), 4(2), 66–88. https://doi.org/10.23887/jkh.v4i2.15444
Kagramanto, I. B. (2007). Eksistensi Lembaga Penjamin Simpanan dalam sistem perbankan nasional. Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada, 19(3), 365–385. Retrieved from https://jurnal.ugm.ac.id/jmh/article/view/19069
Lembaga Penjamin Simpanan. (2017). Peraturan Lembaga Penjamin Simpanan Nomor 2 Tahun 2017 tentang Penyelesaian Bank Selain Bank Sistemik yang Mengalami Permasalahan Solvabilitas.
lps.go.id. (2023). Daftar istilah Lembaga Penjamin Simpanan. Retrieved May 19, 2024, from Lps.Go.Id website: https://lps.go.id/daftar-istilah
M.R., Y. A. (2015). Peran Lembaga Penjamin Simpanan terhadap klaim dana nasabah bank likuidasi. FIAT JUSTISIA: Jurnal Ilmu Hukum, 7(3), 317–325. https://doi.org/10.25041/fiatjustisia.v7no3.392
Mamuaja, J. (2015). Fungsi Lembaga Penjamin Simpanan dalam rangka perlindungan hukum bagi nasabah perbankan di Indonesia. Lex Privatum, 3(1), 38–48.
Muhaimin. (2020). Metode penelitian hukum. Mataram: Mataram University Press.
Rahadiyan, I. (2016). Peran dan tanggung jawab Lembaga Penjamin Simpanan dalam penanganan dan penyelamatan bank gagal berdampak sistemik. Jurnal Hukum IUS QUIA IUSTUM, 23(1), 23–41. https://doi.org/10.20885/iustum.vol23.iss1.art2
Republik Indonesia. (2004). Undang-undang Nomor 24 Tahun 2004 tentang Lembaga Penjamin Simpanan.
Republik Indonesia. (2016). Undang-undang (UU) Nomor 9 Tahun 2016 tentang Pencegahan dan Penanganan Krisis Sistem Keuangan.
Sinaga, P. (2021). Peranan Lembaga Penjamin Simpanan terhadap simpanan nasabah dalam penanganan likuidasi bank. Tanjungpura Law Journal, 5(2), 115–132. https://doi.org/10.26418/tlj.v5i2.48150
Stephani, J. (2013). Analisis hukum peranan Lembaga Penjamin Simpanan dalam melindungi nasabah bank. Jurnal Ilmu Hukum Legal Opinion, 1(4), 1–11.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
