IMPLEMENTASI GOOD CORPORATE GOVERNANCE DALAM PROSES PENYALURAN KREDIT PADA PT. BANK TABUNGAN NEGARA (Persero) Tbk

Apriandi Marulitua Lumban Gaol, Dr. Siti Sundari Arie, SH, MH

2010 | Tesis | S2 Ilmu Hukum (Magister Hukum-Hukum Bisnis

Good Corporate Governance adalah suatu tata kelola bank yang menerapkan prinsip-prinsip keterbukaan (transparency), akuntabilitas (accountability), pertanggungjawaban (responsibility), independensi (independency), dan kewajaran (fairness). Good Corporate Governance merupakan regulasi yang dibuat oleh pemerintah sebagai pedoman bagi para pemilik dan pengelola bank untuk menata serta mengelola bank dengan baik, dengan maksud untuk menjaga kesehatan bank tersebut tetap terjamin. Oleh karena itu permasalahan dalam penelitian ini adalah bagaimana pelaksanaan prinsip-prinsip good corporate governance dalam proses penyaluran kredit pada PT.Bank Tabungan Negara (Persero) Tbk. Penelitian ini adalah penelitian lapangan (field research) dengan menggunakan data primer yang diperoleh dalam penelitian lapangan di PT.Bank Tabungan Negara (Persero) Tbk Cabang Purwakarta serta Penelitian kepustakaan (library research) dengan menggunakan data sekunder yaitu bahan-bahan hukum primer, sekunder, dan tertier, yang diperoleh dari studi dokumen pada sarana penelitian yaitu perpustakaan. Sesuai dengan analisa hasil penelitian, dapat ditarik kesimpulan bahwa PT.Bank Tabungan Negara (Persero) Tbk, telah mengimplementasikan prinsipprinsip Good Corporate Governance dalam proses penyaluran kredit, mulai dari proses pengajuan kredit, verifikasi data, wawancara, analisis kredit, sampai kepada proses akad kredit yang didasarkan pada Prinsip Transparancy, Prinsip Accountability, Prinsip Responsibility, Prinsip Independency dan Prinsip Fairness. Berdasarkan telaah kasus kredit macet dan kasus lainnya (LC Fiktif) yang terjadi di beberapa bank yang menimbulkan kerugian yang cukup besar bagi bank, dapat disimpulkan bahwa hal tersebut disebabkan oleh pelanggaran terhadap prinsip-prinsip Good Corporate Governance. Dengan demikian sangat penting untuk menerapkan prinsip-prinsip Good Corporate Governance dalam pemberian kredit dan jasa perbankan lainnya.

Good Corporate Governance is a governance of banks that apply the principles of transparency, accountability, responsibility, independency, and fairness. Good Corporate Governance was created by government regulation as a guide for owners and bank managers to organize and manage the bank well, with a view to maintain the health of banks is still guaranteed. Therefore the problem in this research is how the implementation of the principles of good corporate governance in the lending process experiences with PT.Bank Tabungan Negara (Persero) Tbk. This research is a field research (field research) using primary data obtained in field research on the experiences with PT.Bank Tabungan Negara (Persero) Tbk Branch Purwakarta and literature research (library research) by using secondary data, primary legal materials, secondary, and tertiary, which is obtained from the study of documents at a research facility that is the library. In accordance with the analysis results, it can be concluded that the State experiences with PT.Bank Tabungan Negara (Persero) Tbk, has implemented the principles of Good Corporate Governance in the lending process, from credit application processing, data verification, interviews, credit analysis, to process loan contract that is based on the principle of Transparency, Accountability Principles, Principles of Responsibility, Independency Principle and the Principle of Fairness. Based on case study of bad loans and other cases (Fictitious LC), which occurs in several banks, which caused substantial losses for the banks, it can be concluded that it was caused by violation of the principles of Good Corporate Governance. Thus it is important to apply the principles of Good Corporate Governance in its lending and other banking services.

Kata Kunci : good corporate governance - PT.Bank Tabungan Negara (Persero) Tbk, - hukum perbankan