Implementation of Risk Management in the Use of Internet Banking in PT. Bank Mandiri (Persero) Tbk. Yogyakarta Unit Magister Building, Universitas Gadjah Mada

KARTIKA WULANDARI, Dr. Paripurna,S.H., M.Hum., LL.M.

2013 | Skripsi | ILMU HUKUM

Internet banking adalah konsep baru yang merupakan hasil dari perkembangan teknologi informasi. Kehadiran layanan internet banking telah menawarkan sejumlah fleksibilitas dan kemudahan transaksi antara bank dan nasabah. Namun, penggunaan layanan internet banking di bank juga dapat meningkatkan risiko yang dihadapi oleh bank. Maka tujuan dari penulisan hukum ini, adalah: menjelaskan bentuk peraturan manajemen risiko dalam penerapan teknologi informasi, terutama dalam produk layanan internet banking, dan menjelaskan penerapan manajemen risiko dalam pelaksanaan sistem internet banking di PT . Bank Mandiri (Persero) Tbk. Yogyakarta, Cabang Gedung Magister, Universitas Gadjah Mada. Penulisan hukum ini dilakukan dengan menggunakan pendekatan kualitatif. Penulisan hukum ini dikombinasikan antara penelitian kepustakaan dan penelitian lapangan. Setelah mendapatkan data dan informasi, penulis melakukan analisa dan menarik kesimpulan. Berdasarkan hasil penelitian, penulis menyimpulkan dua hal. Pertama, prinsip manajemen risiko internet banking di dalam Peraturan Bank Indonesia Nomor 9/15/PBI/2007 adalah pengawasan aktif dewan Komisaris dan Direksi, pengendalian pengamanan dan manajemen risiko dengan fokus khusus pada risiko hukum dan risiko reputasi. Kedua, penerapan manajemen risiko dalam pelaksanaan internet banking di PT. Bank Mandiri (Persero) Tbk. Yogyakarta, Cabang Gedung Magister, Universitas Gadjah Mada sesuai dengan prinsip manajemen risiko internet banking menurut peraturan Bank Indonesia.

Internet banking is a new concept that results from the development of information technology. The presence of internet banking service has offered a number of flexibility and an ease transaction between a bank and customers. However, the use of internet banking service in the bank might increase the risk faced by the bank as well. Therefore this research has several purposes, such as: to describe the form of risk management regulations in the implementation of information technology, especially in the internet banking service products, and to describe the application of risk management in the implementation of internet banking system in PT. Bank Mandiri (Persero) Tbk. Yogyakarta, Unit Magister Building, Universitas Gadjah Mada. The research is conducted by using qualitative approach. It means that the study is combined between library research and field research. After gathering data and information the writer comes into the conclusion. Based on the result of this research, the writer finds two conclusions. First, the principles of risk management of internet banking in Bank Indonesia Regulation No. 9/15/PBI/2007 are active oversight by the Board of Commissioners and Board of Directors, security control system and risk management with particular focus on legal risk and reputation risk. Second, the application of risk management in the implementation of internet banking in PT. Bank Mandiri (Persero) Tbk. Yogyakarta, Unit Magister Building, Universitas Gadjah Mada is in proper with principles of risk management of internet banking according to the Bank Indonesia Regulation.

Kata Kunci : Manajemen Risiko , Internet Banking, Bank Mandiri