Penyaluran dan penggunaan bantuan likuiditas Bank Indonesia (BLBI) :: Suatu studi kasus terhadap Bank Uppindo

SUPARNO, Hartono Hadisoeprapto, SH

2003 | Tesis | S2 Ilmu Hukum

Penelitian ini bertujuan untuk rnengetahui penyaluran dan Penggunaan Dana Bantuan Likuiditas Bank Indonesia (BLBI) khususnya dana BLBI yang digunakan oleh Bank UPPINDO. Pengetahuan rnengenai hal ini penting artinya mengingat banyak terjadi penggunaan dana BLBI tidak sesuai dengan ketentuan yang mengakibatkan kerugian negara triliyunan rupiah. Penelitian ini merupakan penelitian yuridis normatif yang terdiri dari penelitian Kepustakaan dan penelitian lapangan. Data primer diperoleh dari pihak sangat berkompeten mengenai BLBI yaitu Pejabat Bank Indonesia, Badan Penyehatan Perbankan Nasional (BPPN). Badan Pemeriksa Keuangan dan dari Kejaksaan Agung Republik Indonesia para, praktisi maupun akademisi dengan cara wawanc sedangkan data sekunder diperoleh dari Bari penelitian Kepustakaan. Hasil Penelitian Penyaluran den Penggunaan Bantuan Likuiditas Bank Indonesia (BLBI) terhadap Bank UPPINDO menunjukkan Penggunaan dana BLBI terjadi banyak penyimpangan dari ketentuan Bank Indonesia dan ketentuan hukum yang berlaku Penyirnpangan Penggunaan dana BLBI diantaranya digunakan untuk untuk membayar dana pihak ketiga, rnembayar pokok dan bunga pinjaman of shore loan kepada pihak terakait, rnembayar bunga deposito diatas ketentuan pemerintah. PeIanggaran BMPK (Batas Maksimal Pemberian Kredit) BMPK membeli aktif tetap penggunaan BLBI yang tidak terindikasi tindak pidana yaitu pembayaran biaya overhead Bank Pembayaran bunga Sub ordinasi (pihak terkait).

This research aims to study the imbursement and use of the Bank of Indonesia Liquidity Assistance (BLBI), especially the BLBI fund received and used by UPPINDO Bank. The result from the study is very important considering the many cases of BLBI fund misuse, breaking the existing regulations and causing a big loss to the country in billions rupiah. This is a normative legal research, which conducts both a library and field researches. The primary data were obtained from interview with the competent resource persons, namely the high ranking officials from the Bank of Indonesia, the Committee for National Banking Recovery (BPPN), the Monetary Auditing Body (BPK) and the Attorney of the Republic of Indonesia, as well as practitioners and scholars. The secondary data were obtained from a library study. The research results show that there were many cases of use of BLBI fund which did not comply with the regulations of the Bank of Indonesia and the existing rule of law. The misuse of the fund includes payment for the third parties' fund, payment for shore loan and interest, payment for deposit interest higher than that regulated by the Bank of Indonesia. Violation against BMPK (Maximum Limit for Credit Allowance) includes the use of BLBI fund which is not identified as a criminal conduct, such as covering the Bank's overhead cost for the payment of sub ordination' interest.

Kata Kunci : Hukum,Perbankan,BLBI, Imbursement and use of Liquidity Assistance