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Abstract

As a financial institution, Islamic banking certainly has the possibility of problems occurring which will reduce solvency. The emergence of problems in Islamic banking certainly requires authority from the financial authority. One of the authorities that has this authority is the Indonesia Deposit Insurance Corporation through the implementation of the bank's resolution function. The resolution function is carried out by handling and solving bank solvency problems (problem banks), one of the options is the transfer of assets and liabilities. This option can also be referred to as the purchase and assumption (P&A) method. The resolution option for the P&A method is to transfer the assets and liabilities of the troubled bank to the prospective Assuming Bank. In the event that there are Islamic banks experiencing solvency problems, it is necessary to measure other Islamic banks that have the potential to become candidates for Assuming Banks. This measurement uses a quantitative method in the form of a balance sheet implementation (simulation) to determine the impact of the transfer of assets and liabilities on the capital and liquidity of the prospective Assuming Bank. In addition to the simulation mechanism, qualitative methods are also carried out through in-depth interviews to obtain a big picture of the concerns in the resolution process for Islamic banks. Based on the results of the analysis, the resolution process for Islamic banks using the P&A option can be carried out for troubled banks with medium-small asset sizes with Assuming Banks at a higher asset level. This is in line with the bigger the bank's problems, the more it will require the implementation of increasingly complex resolutions.

Bahasa Abstract

Sebagai sebuah institusi keuangan, perbankan syariah tentunya memiliki kemungkinan terjadinya permasalahan yang berdampak terhadap penurunan solvabilitas. Munculnya permasalahan pada perbankan syariah tersebut tentunya membutuhkan wewenang dari otoritas keuangan. Salah otoritas yang memiliki kewenangan tersebut adalah Lembaga Penjamin Simpanan melalui pelaksanaan fungsi resolusi bank. Fungsi resolusi tersebut dilakukan dengan penanganan dan penyelesaian permasalahan solvabilitas Bank (bank bermasalah) yang salah satu opsinya adalah pengalihan aset dan kewajiban. Opsi tersebut dapat disebut juga sebagai metode purchase and assumption (P&A). Opsi resolusi metode P&A adalah mengalihkan aset dan kewajiban dari bank bermasalah kepada calon Bank Penerima (Assuming Bank). Dalam hal terdapat bank syariah yang mengalami permasalahan solvabilitas tentunya perlu dilakukan pengukuran terhadap bank syariah lain yang berpotensi menjadi calon Bank Penerima. Pengukuran tersebut menggunakan metode kuantitatif dalam bentuk balance sheet implementation (simulasi) untuk mengetahui dampak dari pengalihan aset dan kewajiban terhadap permodalan dan likuiditas calon Bank Penerima. Selain mekanisme simulasi dilakukan juga metode kualitatif melalui in depth interview untuk memperoleh gambaran besar yang menjadi perhatian dalam proses resolusi bank syariah. Berdasarkan hasil analisis, proses resolusi bank syariah dengan menggunakan opsi P&A dapat dilakukan pada bank bermasalah dengan ukuran aset menengah-kecil dengan Bank Penerima berada pada level aset yang lebih besar. Hal ini sejalan dengan semakin besar permasalahan bank maka akan semakin memerlukan pelaksanaan resolusi yang semakin kompleks.

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