PENERAPAN PRINSIP GOOD CORPORATE GOVERNANCE DALAM PENGELOLAAN BANK

ENGGARIYADI NOORSETO, SH, Prof. Dr. Nindyo Pramono, S.H., M.S.

2014 | Tesis | S2 Hukum

Krisis ekonomi yang dimulai sejak tahun 1997/1998 telah membawa dampak pada kerusakan sistem perbankan nasional di Indonesia. Tidak sedikit bank-bank yang mengalami kesulitan likuiditas sehingga terpaksa dilikuidasi, dibekukan kegiatan usahanya dan menjadi pasien Badan Penyehatan Perbankan Nasional (BPPN). Terpuruknya sektor perbankan selain disebabkan oleh melemahnya nilai tukar mata uang sehingga menimbulkan masalah likuiditas bagi bank, juga diperberat oleh lemahnya kondisi internal perbankan, antara lain, kurangnya atau tidak diterapkannya prinsip kehati-hatian dan prinsip good corporate governance oleh bank. Bank Indonesia melalui Peraturan Bank Indonesia Nomor 8/4/PBI/2006 tanggal 30 Januari 2006 tentang Pelaksanan Good Corporate Governance Bagi Bank Umum sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 8/14/PBI/2006 tanggal 5 Oktober 2006 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 8/4/PBI/2006 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum, dan Surat Edaran kepada Semua Bank Umum Konvensional Di Indonesia Nomor 15/15/DPNP tanggal 29 April 2013 tentang Pelaksanan Good Corporate Governance Bagi Bank Umum, telah mewajibkan Bank melaksanakan prinsip-prinsip Good Corporate Governance dalam setiap kegiatan usahanya pada seluruh tingkatan atau jenjang organisasi. Terhitung tanggal 31 Desember 2013 tugas pengaturan dan pengawasan Perbankan beralih dari BI ke OJK. Penelitian ini menggunakan metode penelitian yuridis normatif dengan jenis penelitian kepustakaan yaitu dengan mengkaji dan membahas pokok masalah melalui norma-norma yang terdapat dalam peraturan perundang-undangan, literatur-literatur seperti buku, jurnal, makalah dan lain sebagainya. Dari hasil penelitian yang dilakukan bahwa bank-bank telah menerapkan prinsip Good Corporate Governance. Hal ini dibuktikan dengan dibuatnya Laporan Pelaksanaan Good Corporate Governance pada setiap akhir tahun buku, yang terdiri dari Transparansi Pelaksanaan Good Corporate Governance dan Laporan Penilaian Sendiri (Self Assessment) Pelaksanaan Good Corporate Governance. Laporan tersebut wajib dipublikasikan pada homepage masing-masing bank, sehingga stakeholders dapat memperoleh informasi yang dibutuhkan. Sebagai lembaga intermediasi di bidang keuangan dan lembaga kepercayaan masyarakat, dalam menjalankan kegiatan usahanya bank harus berlandaskan pada 5 (lima) prinsip dasar Good Corporate Governance yang biasa disingkat TARIF, yaitu transparansi/keterbukaan (transparency), akuntabilitas (accountability), tanggung jawab (responsibility), independensi (independency), dan kewajaran (fairness). Dengan menerapkan prinsip Good Corporate Governance secara konsisten dan berkesinambungan, akan meningkatkan dan memperbaiki citra bank dimata investor baik investor domestik maupun internasional.

Since economic crises began in year 1997/1998, that situation had been damaging the Indonesian national banking system. Many banking had found difficulty in liquidity, as a matter of fact those banking were liquidified, the business activity liquidities and the results those banking became under control of IBRA (Indonesian Banking Restructuring Agency). The weakness in banking sector, besides bad currency resulting liquidity in banking, it was also because of internal banking condition such as they did not apply the principal of prudent factor and the principal of good corporate governance in banking as well. The Indonesian Central Bank, through their regulation No. 8/4/PBI/2006 dated January 30, 2006 regarding The Execution of Good Corporate Governance for General Banking which has been modified by The Regulation of Indonesian Central Bank No. 8/14/PBI/2006 dated October 5, 2006 regarding The Chaging on Regulation of Indonesian Central Bank No. 8/4/PBI/2006 regarding The Execution of Good Corporate Governance for General Banking and Circular Letter to all Conventional General Banking in Indonesia No. 15/15/DPNP date April 29, 2013 regarding The Execution of Good Corporate Governance for General Banking to make compulsory for all banking to execute the principal of Good Corporate Governance in every activity of business to all level or every stage in organization. Effective 31 of December 2013 the duty of arrangement and supervision of banking shifted from Indonesian Central Bank to Financial Services Authority (OJK). This detail research using the method of juridical normative with literature research with investigate study and to investigate the main problem through the norms and standard in regulation, literature such as book, journal, working papers and so on. From the result of research that several banking has been applied the principal og Good Corporate Governance. This is approved by The Report of Execution of Good Corporate Governance in year end report book consist of Transparencies of Execution of Good Corporate Governance. This report should be compulsory published in homepage of every banking so the stakeholders could get complete needed information. As the intermediary organization in finance and banking who are trusted by the public, the activity of business in banking should be based on 5 principal of Good Corporate Governance which is usually shortened by TARIF, they are, transparency, accountability, responsibility, independency and fairness. By applying the principal of Good Corporate Governance consistently and continuously, it will develop the image of banking especially in the eye of investor domestically well as internationally.

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