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Abstrak :
Dugaan Bank Indonesia atas adanya tindak pidana perbankan yaitu kredit fiktif yang dilakukan oleh SW sebagai pemegang saham pengendali PT. BPR. TS menyebabkan PT. BPR TS dicabut ijin usahanya. Pencabutan ijin usaha oleh Bank Indonesia mengakibatkan beralihnya kewenangan pengurus dan pemegang saham beralih kepada Lembaga Penjamin Simpanan (LPS). Untuk itu, LPS akan melakukan tindakan pengembalian dana nasabah serta melikuidasi bank. Permasalahan yang dibahas dalam tesis ini adalah mengenai pengembalian dana nasabah PT. BPR TS yang dilakukan oleh LPS serta akibat hukum bagi direksi, dewan komisaris dan pemegang saham PT. BPR TS (dalam likuidasi). Penelitian ini merupakan penelitian normatif dengan sifat penelitian eksplanatoris. Data yang digunakan penulis dalam penelitian ini adalah data sekunder. Kesimpulan dari penelitian ini adalah bahwa tidak semua simpanan nasabah PT. BPR TS (dalam likuidasi) dikembalikan oleh LPS, serta baik pengurus maupun pemegang saham bertanggung jawab terhadap dilikuidasinya PT. BPR TS (dalam likuidasi). ......Bank of Indonesia suspicions, that there is a fraud done by SW as a dominator’s shareholders at PT. BPR- TS causes Bank of Indonesia revoke license of PT. BPR. TS. The result of this revocation is Indonesia Deposit Insurance Corporation (IDIC) take over all duty and authority of board of director, board of commissioner and share holders. Because of that, IDIC must retum deposit and liquidation PT. BPR TS (m liquidation). This thesis is discussing about how the IDIC will retum deposit at PT. BPR TS (in liquidation) and also legal action consequences for PT. BPR TS (in liquidation)’s board of director, board of commissioners and shareholders. The typc of this research is explanation nonnative research. The data will be collected from literature and interview. The conclusion of this research are IDIC did not retum all the customers deposit at PT. BPR TS (in liquidation), and all PT. BPR TS (in liquidation)’s board of director, board of commissioner, and shareholders have responsibility because of liquidation.

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 :
ABSTRAK
Laporan magang ini membahas prosedur audit atas simpanan dan beban bunga atas simpanan yang dilakukan oleh auditor dari kantor akuntan publik yang bernama KAP X terhadap bank yang bernama Bank FRS untuk periode akuntansi yang berakhir pada 31 Desember 2X17. Tujuan prosedur audit yang dilakukan adalah untuk membuktikan bahwa simpanan dan beban bunga atas simpanan yang tercatat pada laporan keuangan bank telah disajikan secara wajar. Setelah prosedur audit telah dilakukan, diketahui bahwa simpanan dan beban bunga atas simpanan yang dicatat oleh bank di laporan keuangannya telah disajikan secara wajar.

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ABSTRACT
This internship report discusses about audit procedures on deposit and interest expense of deposit conducted by auditor of public accounting firm called KAP X to a commercial bank called Bank FRS for accounting period ended 31 December 2X17. The goals of the audit procedures are to prove if the deposit and interest expense on deposit recorded in the financial statements of Bank FRS have been fairly presented. After the auditor has performed the audit procedures, it is known that the amounts of deposit and interest expense on deposit recorded by Bank FRS in its financial statements have been fairly presented.

Abstrak :
ABSTRAK Perbankan merupakan salah satu urat nadi perekonomian di Indonesia, dengan kondisi perbankan yang sehat maka akan mendukung perekonomian yang stabil dan tangguh. Untuk mendukung kinerja perbankan yang baik, diperlukan kepercayaan dari nasabah, karena inti dari usaha perbankan adalah menghimpun dana dari masyarakat yang akan menjadi nasabah penyimpan dana kemudian menyalurkanya kembali dalam bentuk kredit kepada masyarakat yang membutuhkan. Untuk mendapatkan kepercayaan dari masyarakat sebagai nasabah penyimpan dana, maka mereka harus mendapatkan perlindungan hukum yang mumpuni khususnya apabila bank tempat mereka menyimpan dana ternyata kondisi kesehatanya buruk dan pada akhirnya mengalami likuidasi. Namun kehadiran Lembaga Penjamin Simpanan tidaklah menjamin seluruh simpanan nasabah yang ada di bank, melainkan membatasi penjaminan simpanan dalam jumlah tertentu, hal ini dimaksudkan untuk menghindari moral hazard yang mungkin akan terjadi apabila Lembaga Penjamin Simpanan menjamin semua simpanan masyarakat yang ada di bank. Untuk memberikan perlindungan hukum terhadap nasabah yang simpananya tidak dijamin oleh LPS, maka terdapat satu mekanisme yang dapat ditempuh oleh para nasabah untuk menggugat ke pengadilan untuk memperjuangkan hak dan kepentinganya. Mekanisme tersebut adalah menggugat dengan gugatan secara berkelompok atau Class Action.

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ABSTRACT Banking is one of the important factor to support the economy in Indonesia, with good and healthy condition of banking so can makes the economic stability. To support good banking performance, trust from the bank customer is very important, because the core of bank business is to collect fund from the people and share to people who need it. Trust from the bank customer as the fund depositor is not easy to get. It needs good legal protection to make sure they are willing to deposit their money to bank, especially when the bank condition is terrible and threatened with bank liquidation. The Presence of Indonesia Deposit Insurance is not to guarantee all the consumer deposit in bank, this policy is to avoid moral hazard which may happen if Indonesia Deposit Insurance apply blanket guarantee. To provide legal protection for depositor which not guaranteed by LPS, there are one mechanism which can be taken by consumer to accuse to the court. That mechanism is to accuse in groups or we know as a Class Action.