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Abstrak :
Kepercayaan masyarakat untuk menggunakan jasa-jasa perbankan merupakan salah satu faktor utama untuk memelihara stabilitas industri perbankan. Skripsi ini membahas mengenai bagaimana program penjaminan simpanan yang ada di Indonesia saat ini serta bagaimana peranan Lembaga Penjamin Simpanan dalam meningkatkan kepercayaan masyarakat terhadap industri perbankan. Penelitian ini adalah penelitian hukum normatif yang bersifat deskriptif. Hasil penelitian ini menyimpulkan bahwa dengan adanya Lembaga Penjamin Simpanan maka sistem penjaminan simpanan menjadi bersifat terbatas. Dalam hal ini Lembaga Penjamin Simpanan berfungsi sebagai sarana perlindungan bagi dana para nasabah sehingga akan menciptakan rasa aman bagi mereka dan selanjutnya akan semakin meningkatkan kepercayaan masyarakat dalam menggunakan jasa-jasa perbankan.

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The public confidence towards national banking industry is one of the keys to preserve banking industrial stability. This essay discusses about deposit guarantee program in Indonesia nowadays and the role of Deposit Guaranteeing Institution (LPS) to increase public confidence in using banking services. This research is normative legal research with analytical descriptive. The result of this research concludes that with the appliance of Deposit Guaranteeing Institution, the deposit guarantee system in Indonesia became limited guarantee. In this case, the function of Deposit Guaranteeing Institution is to give protection for the customers fund so they can feel safety about their fund and further will increase the public confidence in using banking services.

Abstrak :
Tesis ini membahas tentang media sosial microblogging yang digunakan oleh radio Lembaga Penyiaran Publik (LPP) maupun dari Lembaga Penyiaran Swasta (LPS). Penggunaan media sosial microblogging pada radio LPP maupun LPS, dilakukan dengan menentukan alasan-alasan yang menjadi dasar penggunaan media sosial microblogging; fungsi dan posisi media sosial microblogging bagi radio; serta pengelolaan media sosial microblogging radio. Penelitian terkait dengan media sosial microblogging ini menggunakan metodologi kualitatif dengan menggunakan tipe penelitian deskriptif eksploratif (exploratory descriptive research). Peneliti dapat memperoleh data primer melalui hasil wawancara secara mendalam (indepth interviews) yang dilakukan kepada pihak RRI Pro 2 FM Surabaya, Hardrock FM Surabaya, dan Gen FM Surabaya. Kemudian, data sekunder penelitian ini diambil dari pengumpulan arsip, dokumentasi, konten media sosial microblogging yang telah terpublikasikan, dan literatur-literatur pendukung. Hasil dari penelitian ini termasuk dalam tiga hal: Pertama, alasan radio menggunakan media sosial microblogging adalah sebagai bentuk adaptasi radio; Kedua, media sosial microblogging memiliki fungsi dan posisi peripheral, dimana media sosial microblogging digunakan sebagai pendukung kegiatan radio dan dapat tergantikan oleh media yang lain; dan ketiga, terkait dengan pengelolaan media sosial microblogging radio yang berdasarkan pemahaman, persiapan & pemantauan (monitoring), dan respon yang dilakukan oleh pihak radio melalui media sosial microblogging.

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This thesis discusses the microblogging social media used by Public Broadcasting Radio (LPP) and Private Broadcasting Radio (LPS). The use of social media microblogging on radio, carried out by determining the reasons on which the use of social media microblogging; function and position of social media microblogging for radio; also, the management of social media microblogging radio. This study is expected to provide comprehensive information about the strategies use microblogging and social media utilization for mass media industry such as radio. The research related to the microblogging social media using qualitative methodology using exploratory descriptive type. Researchers can obtain the results of primary data through in-depth interviews conducted to three radio: RRI Pro 2 FM Surabaya, Hardrock FM Surabaya, and Gen FM Surabaya. Then, the secondary data was taken from the archive collection, documentation, microblogging social media content that has been publicized, and literature support. The results of this study are included in three things: First, the reason for using social media microblogging is a radio adaptation; Second, microblogging social media of radio have a peripheral function and position, which the microblogging social media used to support the radio activity and can be replaced by the other media; and third, related to the management of microblogging social media by the radio, based on the understanding; the preparation and monitoring; and the response made by the radio via social media microblogging.

Abstrak :
ABSTRAK
Based on the content of the galangal's essential oil which can be used as antimicroorganism, analgesic, and antiseptic characterized with inhibiting and destructing microorganism life process, it is predicted that there is a possibility of essential oil can be used for anti-inflammatory agent. Nitric-oxide (NO) is an unstable gas produced by cell such as macrophage and has the function as antimicroorganism. The aim of this study was to investigate whether essential oil of galangal components has an effect to the macrophage NO production, which stimulated by LPS E. coli. The both curative and preventive analysis using ANOVA showed that the NO productions differences were significant (p< 0,01). This study showed that the NO levels produced by murine macrophages induced by LPS E. coli were suppressed by essential oil in a dose dependent fashion, suggesting anti-inflammatory activities. Curatively, increased doses of the essential oil resulted in increased its anti-inflammatory functions. Five micro liter of the essential oil was preventively the most concentration as anti inflammation.

Abstrak :
ABSTRAK

Skripsi ini memberikan penjelasan yang komprehensif mengenai Analisis Yuridis Penerapan LPS Rate dalam Simpanan Deposito Terhadap Perlindungan Nasabah yang dihubungkan dengan fenomena banyaknya bank-bank yang menerapkan bunga simpanan deposito diatas ketentuan yang ditetapkan di dalam LPS Rate. Hal ini nantinya dapat membahayakan nasabah dimana simpanannya tidak akan dijaminkan oleh LPS dikarenakan simpanan tersebut dianggap sebagai simpanan tidak layak bayar karena telah menikmati keuntungan yang tidak wajar. Dari permasalahan tersebut maka pokok permasalahan yang dapat ditarik adalah bagaimana pengaturan dan konsep perlindungan nasabah terkait dengan ketentuan LPS Rate di dalam simpanan deposito dan bagaimana implementasi dari pengaturan mengenai LPS Rate terkait dengan simpanan deposito ditinjau dari hukum perbankan di Indonesia.

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ABSTRACT

This Thesis Provides a comprehensive explanation about Juridicial Analysis of the application of LPS in the savings deposits rate againts the protection of the customers associated with the phenomenon of large banks that apply interest savings deposits on the conditions set out in the LPS Rate. This can evetually harm the customer where they deposit savings would not be warranted by LPS because the deposits are considered as savings is not worth paying for having enjoyed an unnatural advantage. Of these problems then the principal problem that can be drawn is how is the regulation and customer protection concept is related to the provision of LPS in the savings deposit rate and how is the implementation of the arrangements regarding LPS Rate associated with savings deposits of the Indonesian Banking law

Abstrak :
[ABSTRAK
Sebagai salah satu unsur penting dalam jaring pengaman sistem keuangan khususnya dibidang perbankan, Lembaga Penjamin Simpanan (LPS) memiliki peranan untuk menjaga stabilitas keuangan Indonesia. Krisis ekonomi global pada tahun 2008 mengharuskan LPS meningkatkan Nilai Penjamin Simpanan. Penelitian ini bertujuan untuk mengetahui alasan LPS meningkatkan Nilai Penjamin Simpanan berdasarkan Undang-Undang Nomor 24 Tahun 2004 Tentang Lembaga Penjamin Simpanan sebagaimana telah diubah dengan Undang-Undang No. 7 Tahun 2009 dan peraturan perundang-undangan yang berlaku, menganalisis kemungkinan penurunan Nilai Penjamin Simpanan LPS serta hubungannya dengan penerapan risk-based premium di Indonesia untuk menjaga stabilitas sistem keuangan Indonesia. Penelitian ini merupakan penelitian kepustakaan yang bersifat yuridis-normatif. Data yang dikumpulkan dengan studi kepustakaan. Hasil dari penelitian ini adalah berdasarkan Pasal 11 UU LPS dimungkinkan terjadi penurunan terhadap Nilai Penjamin Simpanan LPS. Berdasarkan alasan peningkatan Nilai Penjamin Simpanan pada tahun 2008, yaitu adanya ancaman krisis ekonomi, UU LPS mengatur apabila alasan tersebut telah teratasi maka besaran Nilai Penjamin Simpanan dapat disesuaikan kembali. Maka berdasarkan hal ini, dimungkinkan untuk menurunkan Nilai Penjamin Simpanan LPS. ABSTRACT
As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ; As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ; As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ; As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ; As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia?s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. , As one of the important elements in the financial safety net, especially in banking system, Indonesia Deposit Insurance Corporation (IDIC) has a big role to keep the stability of Indonesia’s financial system. The global economic crisis in 2008 requires IDIC increase the Deposit Insurance Coverage. This studies aims to determine the reaseon IDIC increase the coverage based on Law No. 24 of 2004 on the Indonesia Deposit Insurance Corporation (IDIC) as amended by Act No. 7 of 2009, to analyze the possibility to decrease the deposit insurance coverage and its relation to the risk-based premium in Indonesia in order to maintan the stability of the financial system. This research is a normative juridical research. The data were collected by literature study. The results for this study are based Article 11 of IDIC Act, there is a posibility to adjust the Deposit Insurance Coverage. IDIC increased the coverage in 2008 because there is a threat of an economic crisis. So based on this Act, if the threat is no longer a problem for Indonesia, IDIC can adjust to decrease the Deposit Insurance Coverage. ]

Abstrak :
Fokus tesis ini membahas eksistensi Aset Eks Bank Dalam Likuidasi (Aset Eks BDL) yang permasalahannya timbul akibat dilakukannya penghapusan Aset Eks BDL dari Neraca Sementara Likuidasi (NSL) oleh Tim Likuidasi. Tesis ini menggunakan desain penelitian yuridis normatif yang disajikan secara kualitatif dengan teknis analisis deskriptif dan kritis. Berdasarkan Peraturan Lembaga Penjamin Simpanan tentang Likuidasi Bank (PLPS LB) diatur ketentuan bahwa Lembaga Penjamin Simpanan (LPS) berwenang mengelola Aset Eks BDL, namun permasalahannya adalah tidak ditemukannya alas hak bagi LPS untuk melakukan pengelolaan tersebut. Sebelum status badan hukum BDL hapus, tidak dilakukan terlebih dahulu penyerahan (levering) atau pengalihan piutang (cessie) dari Tim Likuidasi kepada LPS sehingga, secara yuridis tindakan penghapusan Aset Eks BDL dari NSL tidak benar-benar menghapuskan kepemilikan aset oleh BDL. Oleh karena itu, untuk menghindari potensi permasalahan hukum kedepannya, ada baiknya LPS memberi pengaturan yang jelas mengenai alas hak bagi LPS dalam melakukan pengelolaan Aset Eks BDL dengan tetap memperhatikan pelaksanaan likuidasi 16 bank yang dicabut izinnya pada tahun 1997, dimana Negara (c.q. Kementerian Keuangan) sebagai kreditur mayoritas menerima sisa Aset Eks BDL sebagai pembayaran non-tunai.

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The focus of this thesis is the existence of Ex Liquidated Bank Assets (Ex BDL Assets) whereby the issue at hand arises from the removal of Ex BDL Assets from the Liquidation Team?s (Liquidator) Balance Sheet of Liquidation (NSL) by the Liquidators. This thesis uses normative legal research methods which is presented in qualitative approach and the technical analysis is descriptive and critical. Pursuant to the Indonesia Deposit Insurance Corporation (IDIC) Regulation on Bank Liquidation (PLPS LB), IDIC has the authority to manage the Ex BDL Assets, however the issue at hand is that IDIC does not have the legal right to manage the Ex BDL Assets. Prior to the cessation of BDL?s legal status, since a delivery (levering) or transfer of receivables (cessie) has never been carried out by the Liquidator, the removal of such Ex BDL Assets from the NSL does not factually eliminate the ownership of BDL. Due to such issue, to avoid potential legal issue in the future, IDIC needs to make a clear regulation on the legal rights of IDIC to manage Ex BDL Assets by referring to the implementation of liquidation upon 16 banks whose licenses were revoked back in 1997, whereby the Government of Indonesia as (c.q. the Ministry of Finance) as majority creditor has accepted Ex BDL Assets as non-cash payment.

Abstrak :
LPS adalah Lembaga Penjamin Simpanan di Indonesia yang menjamin Simpanan nasabah. LPS rate merupakan bagian dari skema penjaminan yang digunakan LPS untuk menentukan jumlah simpanan yang layak bayar. Penelitian ini bertujuan untuk mengkaji pengaruh suku bunga penjaminan simpanan yang dikombinasikan dengan nominal maksimum simpanan yang dijamin terhadap stabilitas perbankan dan seberapa berpotensi mengurangi moral hazard baik pada periode normal maupun krisis. Menggunakan data panel dari 94 bank umum di Indonesia dari tahun 2017 hingga 2022 serta tahun 2020 hingga 2021 dianggap sebagai periode krisis. Hasil kami menunjukkan hubungan negatif yang signifikan antara peningkatan persentase simpanan yang dijamin dan stabilitas bank dalam periode normal atau krisis. Sementara untuk moral hazard pada kondisi normal terdapat hubungan positif yang signifikan, namun pada saat krisis tidak menjadi variabel yang secara signifikan mempengaruhi bank untuk menaikkan suku bunga. ......LPS is a deposit insurance Corporation in Indonesia that guarantees bank depositors. The LPS rate is part of the guarantee scheme used by the LPS to determine the number of guaranteed deposits that are eligible to be paid. This research aims to assess the influence of deposit insurance rates combined with the maximum nominal deposit guaranteed on banking stability and how potentially reduces moral hazard both in normal periods and crises. Using data panel of 94 commercial banks in Indonesia from 2017 to 2022. where 2020 to 2021 is considered a crisis period. Our results suggest a significant negative relationship between the increase in the percentage of guaranteed deposits and bank stability in normal periods or crises. Related to moral hazard where under normal conditions there is a significant positive relationship, but during a crisis, it does not become a variable that significantly influences banks to raise interest rates.

Abstrak :
ABSTRAK Nasabah Penyimpan dinyatakan sebagai pihak yang diuntungkan secara tidak wajar apabila nasabah tersebut memperoleh tingkat bunga melebihi maksimum tingkat Suku Bunga Penjaminan (SBP) yang ditetapkan LPS. Penelitian ini bertujuan untuk mengetahui pengaturan penjaminan dana Simpanan di Indonesia sesuai dengan ketentuan Undang-Undang No. 24 Tahun 2004 tentang LPS dan untuk menjelaskan kesesuaian pengaturan tingkat SBP dengan Penjaminan pada Putusan No. 253/PDT/2018/PT.DKI jo. Putusan No. 287/PDT.G/PN.JKT.SEL. Penelitian ini merupakan penelitian yang bersifat analitis-deskriptif dan berbentuk yuridis-normatif. Data yang ada dikumpulkan dengan wawancara dan studi kepustakaan. Simpulan dari penelitian ini adalah LPS menetapkan SBP sebagai implementasi dari ketentuan Undang-Undang No. 24 Tahun 2004 tentang LPS dan dalam penjaminan yang dilakukan oleh LPS pada perkara Putusan No. 253/PDT/2018/PT. DKI jo. Putusan No. 287/Pdt.G/PN.Jkt.Sel, terdapat ketidaksesuaian antara pengaturan penjaminan pada Pasal 19 Undang-Undang No. 24 Tahun 2004 tentang LPS dengan putusan Judex Facti. Saran dalam Penelitian adalah LPS perlu untuk mensosialisasikan kembali agar Bank tidak menerapkan bunga diatas SBP, serta agar Bank memperhatikan data dan informasi mengenai nasabah yang tercatat pada sistem informasi Bank, agar senantiasa diperbaharui apabila terjadi perubahan dan setiap Simpanan yang dinyatakan oleh LPS terbukti menerima bunga diatas Suku Bunga Penjaminan, maka Simpanan tersebut merupakan Simpanan yang tidak layak dibayar. Namun, jika dapat dibuktikan bahwa Nasabah tersebut tidak diuntungkan secara tidak wajar, maka Simpanan tersebut harus dijadikan oleh LPS sebagai Simpanan yang layak dibayar.

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ABSTRACT A Depositor is considered to be an unfairly benefited party if he receives an interest rate above the Deposit Insurance Rate. This study aims to determine the deposit guarantee fund arrangements in Indonesia in accordance with the provisions of Law No. 24 of 2004 regarding Indonesia Deposit Insurance Corporation (IDIC) and to explain the appropriateness of the level of Deposit Insurance Rate with Guarantees in Decision No. 253/PDT/2018/ PT.DKI jo. Decision No. 287/PDT.G/ PN.JKT.SEL. This research is a juridical-normative research. The data were collected by interview and literature study. The conclusion of this research are that the IDIC sets the Deposit Insurance Rate as an implementation of the provisions of Law No. 24 of 2004 regarding the IDIC and in the guarantee carried out by the IDIC in the case of Decision No. 253 / PDT / 2018 / PT. DKI jo. Decision No. 287 / Pdt.G / PN.Jkt.Sel, there is a discrepancy between the guarantee arrangements as regulated in Article 19 of Law No. 24 of 2004 regarding IDIC with the decision of the Judex Facti. The suggestions on this research are the IDIC needs to re-socialize the Bank related to the application of interest so that the Bank does not apply interest rate above the Deposit Insurance Rate, and that the Bank must pay attention to data and information about customers recorded in the Bank's information system, so that it is always updated if changes occured and each Depositor whom stated by LPS is proven to receive interest above the Deoposit Insurance Rate, the Deposit is a Deposit that is not worth paying because the Depositor is an unfairly benefited party. However, if it can be proven that the Depositor is not a Depositor who has benefited unfairly, the Deposit must be changed by LPS as a Deposit that is eligible to be paid.