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"Produk bancassurance merupakan produk perbankan yang terdiri dari produk simpanan/investasi yang digabung dengan produk asuransi jiwa. Salah satu bentuknya yaitu berupa deposito yang dikemas dengan asuransi jiwa didalamnya. Dalam perkembangannya, produk bancassurance yang demikian dapat dijadikan sebagai jaminan kredit perbankan. Penelitian ini bertujuan untuk mengetahui bagaimana karakteristik pemberian kredit dengan jaminan produk bancassurance dan bagaimana dengan hak bank sebagai kreditor apabila terjadi wanprestasi dalam pemberian kredit tersebut. Hasil penelitian menjelaskan bahwa karakteristik pemberian kredit semacam ini terletak pada perjanjian pengikatan jaminannya, dimana ada 2 (dua) jaminan yang diikat secara bersamaan dalam 1 (satu) perjanjian kredit, yaitu pengikatan jaminan deposito dan hak klaim atas polis asuransi jiwa. Adanya kedua jaminan tersebut menjamin bahwa debitor dapat menjaga kelangsungan pelunasan pembayarannya. Apabila debitor wanprestasi, maka bank berhak untuk dapat langsung mencairkan kedua jaminan tersebut tanpa harus melakukan pelelangan di muka umum. Untuk itu, Penulis menyarankan agar ketentuan-ketentuan tentang produk bancassurance dituangkan dalam suatu wadah peraturan tersendiri agar lebih komprehensif dan perlu dilakukan penyempurnaan atas ketentuan-ketentuan tentang hukum jaminan, terutama mengenai jaminan gadai dan fidusia.

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Bancassurance product is one of banking products consisting of deposit/investment combined with life assurance. One of the models is a deposit in which the life insurance is incorporated. The bancassurance product, in its progress, may be used as banking security credit. The objective of this research is to identify how is characteristic of credit grant with secured bancassurance and how the bank?s right as creditor, in the case of default, on such the credit provision. The result shows that the characteristic of this credit grant exists in its security agreement, in which there are 2 (two) securities bound together within 1 (one) credit agreement namely deposit agreement and right to claim life insurance premium. The existences of both securities assure that the debtor may maintain the repayment process. In the case of default by the debtor, the bank has the right to disburse the securities directly without public auction. For such reason, the writer suggests that the provisions on bancassurance products is set forth in one single instrument so as to be more comprehensive and provisions on security of law especially on mortgage and fiduciary collateral."

"Bank merupakan lembaga keuangan yang memilki peran penting dalam rangka kesejahteraan masyarakat melalui berbagai jenis kegiatan perbankan. Salah satunya adalah pemberian kredit. Pemberian kredit ini tentunya ditujukan agar debitur yang membutuhkan dana dapat mendapatkan pinjaman dan agar bank juga mendapat keuntungan dalam bentuk bunga. Dalam pemberian kredit, bank harus berpegang kepada prinsip kepercayaan karena uang yang dipinjamkan kepada debitur merupakan uang titipan dari nasabah yang lain, meskipun telah berhati-hati tidak menutup kemungkinan bahwa kredit yang diberikan dapat menjadi kredit bermasalah. Kredit bermasalah dapat timbul karena berbagai faktor. Bank akan selalu berusaha untuk meminimalkan angka kredit bermasalah, diantaranya melalui upaya restrukturisasi kredit. Melalui Penelitian dengan metode yuridis normatif, penelitian ini membahas mengenai tinjauan hukum perkreditan pada perbankan di Indonesia serta upaya restrukturisasi kredit bermasalah. Pada penelitian ini akan dibahas mengenai upaya restrukturisasi kredit bermasalah antara PT. X dan PT. Y dengan Bank Z.

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Banks play an important role in creating and alleviating social welfare through its? activities. One of which is providing loans. Loans are given so that the debtor in need would be able to have funds and the bank would also benefit from receiving interests. In providing loans, a bank must uphold the fiduciary principle as the money belongs to other clients that have placed their trust upon said bank. Even when Banks have done their tasks carefully, there is still a possibility for the loan to become a non-performing loan. Non-performing loans occur due to numerous factors. Bank will always try to minimize the number of non-performing loans, one of the ways is through loan restructuring. By using normative legal research, this research will discuss the legal aspects of loans in banking and also loan restructuring as a method to mitigate non-performing loans. This research will also discuss the loan restructuring agreement in the non-performing loan between PT. X and PT. Y with Bank. Z."

"[ABSTRAKPenulisan skripsi ini dilatarbelakangi oleh belum adanya payung hukum terhadap protokol manajemen krisis untuk mencegah dan menangani krisis perbankan yang terjadi di Indonesia. Krisis perbankan tersebut berdampak bukan hanya bagi kegiatan perekonomian negara, melainkan bagi keadaan politik yang begitu luas. Dalam penulisannya, metode yang digunakan adalah yuridis normatif, yaitu metode yang dilakukan dengan meneliti bahan pustaka atau data sekunder.Tesis ini menyoroti sejarah krisis perbankan yang melanda Indonesia dan Inggris dan bagaimana mekanisme dan aplikasi Jaring Pengaman Sistem Keuangan yang ada pada masing-masing negara tersebut. Adapun pertimbangan yang melatarbelakangi penulis untuk mengakat tema ini adalah, kedua negara tersebut sama-sama terkena imbas krisis subprime mortgage dari US pada tahun 2008 dan keduanya sama-sama mengalami krisis perbankan akibat satu bank kecil yang berdampak sistemik. Namun, saat ini Inggris sudah memiliki Undang-Undang yang mengatur koordinasi antar lembaga/otoritas dalam mencegah krisis dan menjaga Stabilitas Sistem Keuangan negaranyaABSTRACTThe writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country, The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country]"

"Penelitian ini meneliti pengaruh tenur auditor terhadap kualitas laporan keuangan perbankan di Indonesia dengan keahlian komite audit sebagai variabel moderasi. Kualitas laporan keuangan perbankan di Indonesia diukur dengan korelasi antara low pre-managed earning dengan diskresi beban CKPN kredit. Penelitian ini menggunakan data tahun 2012 sampai dengan 2019. Dengan metode robust fixed effect model, penelitian ini menunjukkan bahwa semakin panjang tenur, kualitas laporan keuangan menjadi semakin rendah. Hal tersebut dapat dimitigasi dengan adanya komite audit yang menguasai akuntansi dan/atau audit. Pengawasan yang dilakukan oleh komite audit yang menguasai akuntansi dan/atau audit kepada manajemen dan interaksi komite audit yang menguasai akuntansi dan/atau audit dengan KAP dapat memitigasi praktik manajemen laba di perusahaan. Penelitian ini memberikan rekomendasi untuk meningkatkan independensi auditor, yaitu dengan memperkuat keahlian akuntansi dan/atau audit dari komite audit.

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This study examines the effect of auditor tenure on the quality of banking financial statements in Indonesia with the expertise of the audit committee as a moderating variable. The quality of banking financial reports in Indonesia is measured by the correlation between low pre-managed earnings and discretionary loan loss provision. This study uses data from 2012 to 2019. With the robust fixed effect model method, this study shows that the longer the tenure, the lower the quality of financial reports. This can be mitigated by having an audit committee that have expertise in accounting and/or auditing. The supervision carried out by the audit committee that have expertise in accounting and/or auditing to management and the interaction of the audit committee that have expertise in accounting and/or auditing with KAP can mitigate earnings management practices in the company. This study provides recommendations to improve auditor independence, namely by strengthening the audit committee's accounting and/or auditing expertise."

"Penelitian ini bertujuan menganalisis pengaruh kompetisi, produk simpanan sukarela sebagai variabel pemoderasi, dan kemajuan sektor perbankan terhadap jangkauan dan kebertahanan MFI. Studi menggunakan data yang berasal dari 39 negara dan 609 MFI, dengan rentang waktu antara tahun 2004 hingga tahun 2018. Pengukuran kompetisi pada studi ini menggunakan Boone Indicator. Penelitian menggunakan Model Random Effect dan untuk mengatasi endogenitas studi ini juga menerapkan metode GMM two step system. Hasil penelitian menunjukkan produk simpanan sukarela dapat memoderasi pengaruh kompetisi terhadap jangkauan. Sedangkan pada pengujian terhadap pengaruh kemajuan sektor perbankan, kemajuan sektor perbankan berpengaruh positif terhadap kemampuan MFI untuk bertahan tanpa mengandalkan subsidi. Implikasi dari penelitian ini adalah mendorong MFI untuk memiliki simpanan sukarela ataupun menggalakkan penawaran simpanan sukarela supaya menjangkau lebih banyak masyarakat miskin. Sementara terkait dengan sektor perbankan, MFI dan perbankan dapat menjalin hubungan kerja sama yang lebih erat misalnya melalui penyaluran pembiayaan dengan skema beragam. Di sisi lain, regulator menciptakan lingkungan kerja sama yang baik bagi keduanya.

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This study investigates the effect of competition, voluntary savings as moderating variables, and the banking sector development on the outreach and sustainability of MFIs. The study uses data from 39 countries and 609 MFIs, spanning from 2004 to 2018. This study uses Boone Indicator to measure competition. This research uses the Random Effects Model, and to overcome endogeneity, this study also applies the GMM two-step system method. The results show that voluntary savings products can moderate the effect of competition on outreach. Meanwhile, banking sector development has a positive effect on MFIs’ sustainability related to their ability to survive without relying on subsidies. The implication of this research is to encourage MFIs to have voluntary savings or to promote voluntary savings offerings to reach impoverished communities. MFIs and banks can build closer relationships, for example, through financing products under various schemes. On the other hand, the regulator may create a good working environment for both."

"ABSTRAKPenelitian ini menjelaskan bagaimana survival analisys menggunakan regresi Cox Proportional Hazard dapat dipakai untuk menganalisis sebaran time to default debitur kredit mikro Bank XYZ berdasarkan karakteristik demografis debitur dan karakteristik produk. Terhadap sebaran tersebut menggunakan metode analisis non-parametrik khususnya point estimation dapat diestimasi karakteristik debitur yang mempunyai waktu survive terbaik yakni debitur di wilayah Kabupaten Indramayu, jenis kelamin wanita, pendidikan akhir SD, bidang usaha perdagangan besar dan eceran, status pernikahan janda/duda serta penghasilan.

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ABSTRACT This study explains how survival analisys using Cox Proportional Hazard regression can be used to analyze the distribution of time to default of micro credit debtor in Bank XYZ based on debtor demographic characteristics and product characteristics. Against the distribution using non parametric analytical methods, especially point estimation can be estimated the characteristics of the debtor who has the best survive time that is the debtor in Indramayu District, female gender, final education of elementary school, major trade and retail business, marriage widow widower status and income "

"ABSTRAKKerjasama bancassurance merupakan suatu prospek bisnis yang potensial baik dalam dunia perbankan maupun kegiatan usaha perasuransian. Bancassurance ialah aktivitaskerjasama antara bank dengan perusahaan asuransi dalam rangka memasarkan produk asuransi melalui bank. Dalam perkembangannya, bancassurance tidak hanyadijalankan oleh bank konvensional, tetapi juga dilaksanakan oleh bank berbasis prinsip syariah. Landasan hukum bancassurance yang digunakan ialah Surat EdaranBank Indonesia 12/35/DPNP tentang Penerapan Manajemen Risiko pada Bank yang Melakukan Aktivitas Kerjasama Pemasaran dengan Perusahaan Asuransi (Bancassurance)yang diberlakukan untuk bank umum yang melakukan kegiatan usaha secara konvensional.Oleh karena itu, berdasarkan penelitian ini, perlu adanya ketentuan spesifik mengenai kegiatan bancassurance berdasarkan prinsip syariah untuk menghindari adanya pelanggaranprinsip syariah. Selain itu, berdasarkan Penjelasan Pasal 24 ayat (1) huruf d UU No. 21 Tahun 2008, bank dilarang untuk melakukan kegiatan perasuransian, namun diperbolehkanuntuk memasarkan produk asuransi. Namun, bank tetap memiliki tanggung jawab terhadap kepentingan dan perlidungan nasabah-nasabahnya terkait dengan risiko reputasi dan risikohukum yang akan dialami bank dalam pelaksanaan kerjasama bancassurance berdasarkan prinsip syariah.

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ABSTRACTBancassurance cooperation is a good potential business prospects in the banking field and insurance business. Bancassurance is the activity of cooperation between banksand insurance companies in order to sell insurance products through banks. In its development, bancassurance is not only run by conventional banks, but also carriedout by the bank based on Islamic principles. Bancassurance legal basis used is Bank Indonesia Circular Letter 12/35/DPNP on the Application of Risk Management forBanks Conducting Marketing Activities Cooperation with Insurance Company (Bancassurance) that apply to common banks conducting conventional operations.Therefore, based on this thesis, need for specific provisions regarding bancassurance activities based on sharia principles in order to avoid a violation of Islamic principles.In addition, based on the elucidation of Article 24 paragraph (1) letter d Act No. 21 of 2008, banks sharia are prohibited to conduct insurance activities, but are allowed tosell insurance products. However, the bank still has the responsibility and protection towards the customers? interest because its related with reputational risk and legalrisk that the bank will be taken in the implementation of bancassurance cooperation based on Islamic principles. "

"Dan sisi yuridis, penyaluran BLBI bukan merupakan kebijakan yang "baru" dan secara mendadak diciptakan. Kebijakan itu telah dilakukan jauh sebelum terjadinya krisis moneter dan memiliki landasan hukum Bank Indonesia yang lama yaitu Undang-undang No. 13 tahun 1968 tentang Bank Sentral dan Undang-undang No. 7 tahun 1992 tentang Perbankan sebagaimana telah diubah dengan Undang-undang No. 10 tahun 1998. Pasal 32 ayat (3) UU No. 13 tahun 1998 menyebutkan "Bank dapat pula memberikan kredit likuiditas kepada bank-bank untuk mengatasi kesulitan likuiditas dalam keadaan darurat" sedangkan pasal 37 ayat (2) bumf b UU No. 7 tahun 1992 menegaskan "Dalam hal suatu bank mengalami kesulitan likuiditas yang membahayakan kelangsungan usahanya, maim BI dapat mengambil tindakan lain sesuai dengan peraturan perundang-undangan yang berlaku.".Dalam pelaksanaannya, penyaluran BLBI yang meneapai Rp 144,54 triliun itu dapat dikategorikan dalam beberapa kebijakan. Pertama, BLBI yang ditujukan untuk mengatasi kesulitan likuditas bank yaitu saldo debet, SBPUK dan fasilitas diskonto (Rp 129,40 triliun). Kedua, dalam rangka pembayaran seluruh sisa dana masyarakat pada 16 Bank Dalam Likuidasi dan Bank Baku Operasi (Rp 6,015 trilyun). Ketiga, BLBI berupa dana talangan untuk pembayaran tunggakan trade finance kepada kreditur luar negeri (Rp 9,13 triliun). Untuk kategori pertama, dilakukan berdasarkan kebijakan Pemerintah tidak memberlakukan stop kliring, sedangkan kategori kedua dan ketiga, berdasarkan kebijakan penjaminan Pemerintah balk dalam blanket guaranty (Keppres No. 26 tahun 1998) maupun penjaminan luar negeri (Keppres No. 120 tahun 1998). Yang menjadi pokok permasalahan adalah :1. Apakah yang menjadi landasan hukum pemberian BLBI oleh Bank Indonesia?2. Bagaimanakah dan proses upaya penyelesaian kebijakan pemberian BLBI di Badan Penyehatan Perbankan Nasional (BPPN)?3. Bagaimanakah pembagian beban pemberian kebijakan BLBI antara Pemerintah dan Bank Indonesia?Tujuan penulisan dari tesis ini yaitu :1. Untuk mengetahui Landasan hukum pemberian BLBI oleh Bank Indonesia.2. Untuk mengetahui bagaimana proses penyelesaian BLBI di BPPN.3. Untuk mengetahui bagaimanakah pembagian beban BLBI antara pemerintah dan Bank Indonesia."

"Diskriminasi suku bunga kredit berdasarkan jumlah pinjamannya merupakan praktik umum yang dilakukan oleh bank untuk memaksimalkan laba. Konsenterasi pasar yang tinggi memungkinkan bank yang memiliki kekuatan monopoli untuk meningkatkan suku bunga kredit.Tes ekonometri dilakukan bertujuan untuk mengestimasi kondisi konsenterasi pasar perbankan umum konvensional di Indonesia dan hubungannya dengan praktik diskriminasi suku bunga kredit tersebut dan menganalisis hubungan karakteristik bank serta perubahan kondisi makroekonomi (BI rate, PDB, dan inflasi) terhadap diskriminasi suku bunga kredit selama periode 2013-2016.Adapun metode untuk mengukur konsenterasi pasar yaitu menggunakan metode pendekatan struktural (Herfindahl Hirschman Index) dan pendekatan non struktural (Panzar Rosse Statistik).Hasil test dengan menggunakan model random effect memberikan informasi bahwa konsenterasi pasar perbankan merupakan pasar monopolistik yang tidak seimbang sehingga berpotensi adanya kelompok bank sebagai price leader dalam menentukan harga dan non harga di pasar.

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Lending rate discrimination based on the amount of the loan is a common practice undertaken by banks to maximize profits. High consentration market allow banks with monopoly power to increase lending rates.

An econometric test is proposed to estimate the condition of conventional banking market in Indonesia and its relationship with the discriminatory practice of the lending interest rate and to analyze the relationship of shock macroeconomic condition change (BI rate, GDP and inflation) to the lending rate discrimination during 2013-2016 period.

The method for measuring market consentation is using structural approach method (Herfindahl Hirschman Index) and non structural approach (Panzar Rosse Statistic).

The result of the test using random effect model gives information that banking market consenteration is an unbalanced monopolistic market so that potentially there is bank group as price leader in determining price and non price in marke."