KESESUAIAN UNDANG-UNDANG PERBANKAN DENGAN UNDANG-UNDANG PERSEROAN TERBATAS DALAM LIKUIDASI BANK UMUM BERBENTUK PERSEROAN TERBATAS STUDI KASUS PT.BANK DAGANG BALI (BDB)

MOHAMAD SUPRIADI, DRS, Prof. Dr.M.Hawin.S.H.,LL.M.

2015 | Tesis | S2 Hukum

Bank Dagang Bali ditutup oleh Bank Indonesia pada 8 April 2004 sebelum tenggat waktu yang diberikan habis pada 28 April 2004, karena tidak dapat menaikan Rasio Kecukupan Modal (Capital Adequacy Ratio / CAR) dan pada 31 Maret 2004 didepan Notaris pemilik saham Bank Dagang Bali menyatakan tak sanggup menambah modal. Sehubungan dengan ditutupnya Bank Dagang Bali oleh Bank Indonesia, pemilik Bank Dagang Bali langsung melakukan perlawanan dengan mengadukan langkah likuidasi Bank Indonesia ke PTUN. Dalam Undang-Undang Perseroan Terbatas dinyatakan Perseroan bubar karena: keputusan RUPS, jangka waktu berdirinya yang ditetapkan dalan anggara dasar telah berakhir dan karena penetapan pengadilan. Dalam hal menyangkut likuidasi Bank Dagang Bali yang merupakan suatu bank umum yang berbentuk badan hukum perseroan terbatas, pembubaran perseroan dan likuidasi berdasarkan undang-undang perseroan terbatas. Di dalam Undang-Undang perbankan dan peraturan pemerintah no.25 tahun 1999 tentang pencabutan izin usaha, pembubaran dan likuidasi bank dinyatakan apabila terhadap suatu badan usaha bank yang mengalami kesulitan yang membahayakan kelangsungan usahanya dan telah dilakukan upaya-upaya penyelamatan, akan tetapi tetap tidak cukup untuk mengatasi kesulitan itu, atau karena keadaan suatu bank dapat membahayakan sistem perbankan, Pimpinan Bank Indonesia dapat mencabut izin usaha dengan perintah direksi melakukan RUPS dan pembentukan tim likuidasi. Adanya ketentuan likuidasi bank dan Undang-Undang Perseroan Terbatas, likuidasi bank berbentuk badan hukum perseroan terbatas, disamping tunduk pada ketentuan peraturan perbankan dan juga harus tunduk pada ketentuan peraturan perseroan terbatas. Dari latar belakang diatas, dapat dirumuskan beberapa masalah sebagai berikut : 1. Bagaimana proses/pelaksanaan likuidasi bank terhadap Bank dagang Bali ? 2. Apakah likuidasi terhadap Bank Dagang Bali sesuai dengan Undang-Undang Perbankan dan Undang-Undang Perseroan Terbatas ?

Bank Dagang Bali was closed by Bank Indonesia on 8 April 2004 prior the deadline given expire on 28 April 2004, because it could not raise the Capital Adequacy Ratio (CAR) and on 31 March 2004 before the Notary, the shareholders of Bank Dagang Bali declared unable to raise the capital. In connection with the closing of Bank Dagang Bali by Bank Indonesia, the owner of Bank Dagang Bali immediately resist by complaining the liquidation step of Bank Indonesia to the State Administrative Court (PTUN). In the Limited Liability Company Law is declared that the Company dissolved due to: AGM decision, the established time period which stipulated in the articles of association has expired and because of the court decision. In matters relating to the Bank Dagang Bali liquidation which is a commercial bank in the form of a limited liability company, dissolution and liquidation of the company under the laws of a limited liability company. In the Banking legislation and Government regulation Number 25 of 1999 concerning the revocation of business license, dissolution and liquidation of the bank is declared when a business entity of banks which is experience difficulties endangering its survival and has been performed rescue efforts, but still not enough to overcome the difficulties, or due to circumstances of a bank may endanger the banking system, The Chairman of Bank Indonesia may revoke the business license with the command of directors conduct AGM and the establishment of the liquidation team. The provisions of the bank liquidation and the Limited Liability Company Law, the liquidation of the bank in the form of a limited liability company, in addition subject to the provisions of banking regulations and also to be subject to the provisions of the limited liability company. From the above background, some problems can be formulated as follows: 1. How does the process / implementation of bank liquidation of the Bank Dagang Bali? 2. Does the liquidation of the Bank Dagang Bali is in accordance with the Law of Banking and the Law on Limited Liability Company?

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