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Abstract

Performance -based banking structures Indonesia does not have a normal life characters banking and still largely determined by the ideological and political policies of the government. Banking recovery by using a very protective manner, such as from the purchase of government bonds with limited or margin lending and guaranteed withdrawal. Various indicators such as bank loan-deposit ratio ( LDR ) and the structure of third-party funds that are still dominated by short-term funds such as checking and savings shows that the bank has not been able to carry out its primary function in the economic system, intermediation. In the framework of the restructuring and recovery of the national banking industry, Bank Indonesia has taken some of the policies that are considered necessary. Some of these policies include the implementation of the principles of risk management (according to Bassel Accor) and Know Your Customer principles. Overall, the policy is structured in parent programs are often known as the Indonesian Banking Architecture (API). API is expected to be the blue print as well as a reference for the Indonesian banking industry structure that is considered ideal for BI. Determine the number of actors performing the banking system, such as regulators, supervisors, shareholders, directors, management, internal audit, external auditors, rating agencies and owners of customer funds. The role of each differ according to the position, accountability mechanisms and social expectations. But the articulation of good governance as a protrusion of the mission, capacity and relationships to be a prerequisite for growth and stability. The method used is descriptive qualitative approach. Based on the results of the study concluded that the practice of governance in the Indonesian banking system has not been implemented optimally.

Bahasa Abstract

Kinerja berbasis struktur perbankan Indonesia belum memiliki karakter hidup normal perbankan dan masih sangat ditentukan oleh kebijakan ideologis dan politis dari pemerintah. Pemulihan perbankan dengan menggunakan cara yang sangat protektif, seperti dari pembelian obligasi pemerintah dengan margin terbatas atau penyaluran kredit dan penarikan dana dijamin. Berbagai indikator perbankan seperti rasio Loan to Deposit (LDR) dan struktur dana pihak ketiga yang masih didominasi oleh dana jangka pendek seperti giro dan tabungan menunjukkan bahwa bank belum mampu melaksanakan fungsi utamanya dalam sistem ekonomi, fungsi intermediasi. Dalam rangka restrukturisasi dan pemulihan industri perbankan nasional, Bank Indonesia telah mengambil beberapa kebijakan yang dianggap perlu. Beberapa kebijakan tersebut meliputi implementasi prinsip-prinsip manajemen risiko (sesuai dengan Bassel Accord) dan prinsip mengenal nasabah. Secara keseluruhan, kebijakan ini disusun dalam program orang tua yang sering dikenal sebagai Arsitektur Perbankan Indonesia (API). API diharapkan menjadi blue print serta acuan bagi struktur industri perbankan Indonesia yang dianggap ideal untuk BI. Sejumlah pelaku tata perbankan menentukan kinerjanya, seperti regulator, supervisor, pemegang saham, direksi, manajemen, audit internal, auditor eksternal, lembaga pemeringkat dan pemilik dana nasabah. Peran masing-masing berbeda sesuai kedudukan, mekanisme akuntabilitas dan harapan sosial. Tapi artikulasi good governance sebagai penonjolan misi, kapasitas dan hubungan menjadi prasyarat untuk pertumbuhan dan stabilitas. Metode penelitian yang digunakan adalah deskriptif dengan pendekatan kualitatif. Didasarkan pada hasil penelitian disimpulkan bahwa Praktik governance pada perbankan Indonesia belum dilaksanakan secara optimal.

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