LEMBAGA DAN FUNGSI PENGAWASAN PERBANKAN DI INDONESIA

Abstract

Currently banking supervision in Indonesia is still considered weak. One of the causes that lead to the weak supervision in the banking sector is closely related with the institution and the function of banking supervision itself. This article discusses the present and future state of the institution and the function of banking supervision. This article concludes that Bank Indonesia in its function of banking supervision is not fully independent, whereas there is no conflict of interest among its functions. Moreover, in the future, the Financial Services Authority (FSA) will become the institution taking over this function of banking supervision, even though the reason behind the formation of FSA in banking supervision is still weak.

Pengawasan perbankan di Indonesia pada saat ini masih dinilai lemah. Salah satu penyebab lemahnya pengawasan perbankan berkaitan erat dengan lembaga dan fungsi pengawasan perbankan itu sendiri. Tulisan ini membahas tentang lembaga dan fungsi pengawasan perbankan di Indonesia kini dan ke depan. Dalam pembahasan tulisan ini dapat disimpulkan bahwa Bank Indonesia dalam fungsi pengawasan perbankan kurang independen, padahal dalam fungsi pengaturan dan pengawasan perbankan Bank Indonesia tidak ada conflict of interest. Selain itu di masa yang akan datang lembaga pengawas perbankan Indonesia adalah LPJK/OJK, walaupun alasan LPJK/OJK sebagai fungsi pengawasan perbankan sangat lemah.