Konflik kewenangan pengawasan perbankan antara Bank Indonesia dan Lembaga Penjamin Simpanan dalam penanganan bank gagal

MASKUR, Ali, Prof. Dr. Nindyo Pramono, S.H., M.S

2010 | Tesis | S2 Magister Hukum

Salah satu komponen penting dalam perekonomian nasional adalah industri perbankan. Karena itu menjaga kepercayaan masyarakat terhadap industri perbankan harus terus dilakukan oleh pemerintah, praktisi perbankan, dan Bank Indonesia sebagai pemegang otoritas pengaturan dan pengawasan bank. Konflik kewenangan pengawasan perbankan antara Bank Indonesia (BI) dengan Lembaga Penjamin Simpanan (LPS) dalam penanganan Bank Gagal telah menyebabkan lalainya pengawasan bank sehingga melahirkan banyak Bank Gagal, salah satunya adalah Bank Century. Menurut Pasal 33 Undang-undang No. 23 Tahun 2003 sebagaimana di ubah dengan Undang-undang No. 10 Tahun 2004 Tentang Bank Indonesia, kewenangan pengawasan dan likuidasi bank adalah wewenang Bank Indonesia. Tetapi kewenangan yang sama juga di miliki oleh Lembaga Penjamin Simpanan (LPS) sebagai tertuang dalam Pasal 5, Pasal 6 dan Pasal 43 Undang-undang No. 24 Tahun 2004 Tentang Lembaga Penjamin Simpanan (LPS). Dengan demikian jelas terdapat konflik kewenangan antara Bank Indonesia dan Lembaga Penjamin Simpanan dalam pengawasan dan penanganan Bank Gagal. Terus bermunculannya Bank Gagal harus dilihat sebagai akibat dari pengawasan yang kurang baik serta lemahnya koordinasi antara pihak Bank Indonesia dengan Lembaga Penjamin Simpanan. Begitu juga akibat dari tumpang tindihnya pengaturan dan pengawasan bank antara kedua lembaga tersebut. Hal tersebut juga dipengaruhi oleh kondisi perekonomian global yang masih belum baik akibat krisis moneter yang berkepanjangan.

One of the important components in national economy is banking industry. Therefore, so as to safeguard public trust against banking industry it has to keep on being conducted by the government, banking practitioners and Bank Indonesia as regulation authority holder and bank supervisor. The conflict of banking supervisory authorities between Bank Indonesia (BI) and Savings Security Agency (LPS) in handling failed bank has caused neglected bank supervision so that it has created a lot of failed banks; one of them is Bank Century. According to Article 33 of Law No. 23 of 2003 as has been amended by Law No. 10 of 2004 regarding Bank Indonesia, the authority for bank supervision and liquidation is in the hand of Bank Indonesia. However, the same authority is also owned by the Savings Security Agency (LPS) as stipulated in Article 5, Article 6 and Article 43 of Law No. 24 of 2004 regarding Saving Security Agency (LPS). In that way, it is clear that there is a conflict of authorities between Bank Indonesia and Savings Security Agency in Failed Bank supervision and handling. The number of failed banks which keeps on increasing has to be seen as a result of lack of proper supervision as well as weakness of coordination between Bank Indonesia party and Savings Security Agency. It is likewise with the result of overlapping of bank arrangement and supervision between the two institutions. Such matter is also influenced by global economic condition which is still not getting better as a result of prolonged monitory crisis.

Kata Kunci : Konflik kewenangan,Pengawasan perbankan,Bank gagal, Conflict of Authority, Banking Supervision, Failed Bank