Penerapan Asas Prudential Banking Dalam Pemberian Kredit Melalui Strategi Anti Fraud Sebagai Bentuk Good Corporate Governance Pada Bank Bukopin Cabang Padang

RAMADHAN, HASAN (2016) Penerapan Asas Prudential Banking Dalam Pemberian Kredit Melalui Strategi Anti Fraud Sebagai Bentuk Good Corporate Governance Pada Bank Bukopin Cabang Padang. Masters thesis, UNIVERSITAS ANDALAS.

Preview	Text (cover-abstrak) COVER DAN ABSTRAK.pdf - Published Version Download (191kB) | Preview
Preview	Text (BAB I PENDAHULUAN) BAB I PENDAHULUAN.pdf - Published Version Download (443kB) | Preview
Preview	Text (BAB AKHIR) BAB AKHIR -PENUTUP KESIMPULAN.pdf - Published Version Download (118kB) | Preview
Preview	Text (DAFTAR PUSTAKA) DAFTAR PUSTAKA.pdf - Published Version Download (248kB) | Preview
	Text (TESIS UTUH) TESIS UTUH.pdf - Published Version Restricted to Repository staff only Download (1MB)

Abstract

Kasus Fraud yang terjadi diperbankan menyebabkan penurunan tingkat kepercayaan masyarakat terhadap Bank. Bank Indonesia sebagai regulator mengeluarkan Surat Edaran Bank Indonesia Nomor 13/28/DPNP tanggal 9 Desember 2011 tentang Penerapan Strategi Anti Fraud bagi Bank Umum merupakan pelaksanaan dari Peraturan Bank Indonesia (PBI) Nomor 5/8/PBI/2003 yang diubah dengan Peraturan Bank Indonesia Nomor 11/25/PBI/2009 tentang Manajemen Risiko bagi Bank Umum.. PT Bank Bukopin Tbk cabang Padang yang merupakan salah satu bank umum,wajib menerapkan strategi anti fraud tersebut. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana penerapan asas prudential banking dalam pemberian kredit melalui strategi anti fraud sebagai bentuk good corporate governance pada Bank Bukopin cabang Padang. Penelitian ini bersifat deskriptif dengan metode penelitian yurudis empiris..Hasil penelitian pada bank Bukopin Cabang Padang Implementasi penerapan asas prudential banking melalui strategi anti fraud telah berjalan yaitu dalam pemberian kredit telah menerapkan asas prudential melalui prinsip 5C, 4 P dan 3 R ditambah penerapan four eyes principle merupakan fungsi kontrol dasar dengan pengaturan proses transaksi yang dilakukan di perusahaan yang dilaksanakan minimum oleh 2 orang sebagai implementasi strategi anti fraud dalam pemberian kredit. Efektifitas penerapan asas prudential banking melalui strategi anti fraud pada Bank Bukopin Cabang Padang terlihat dengan menurunnya kredit bermasalah (Non Performing Loan) dan penurunan jumlah temuan adanya fraud. Kasus fraud yang terjadi diselesaikan oleh satu unit khusus yang bernama Unit Anti Fraud. Pembentukan unit khusus ini sebagai bentuk Good Corporate Governance untuk meningkatkan kepercayaan masyarakat bahwa apabila ada fraud akan diproses langsung baik melalui internal dan jalur hukum Kata Kunci : Asas Prudential Banking, Strategi Anti Fraud, Good Corporate Governance The Application of Prudential Banking Principles in Lending through Anti Fraud Strategy as a Form of Good Corporate Governance at PT. Bank Bukopin, Tbk. Padang Branch Office ABSTRACT The case of Fraud happened in banking activities led to decreased levels of public confidence toward Bank. Bank Indonesia as the regulator issued a Circular Letter of Bank Indonesia Number 13/28/DPNP dated December 9, 2011 on Anti Fraud Strategy Implementation for Commercial Bank is the implementation of Bank Indonesia Regulation (PBI) No. 5/8/PBI/2003, as amended by Bank Indonesia Regulation No. 11/25 / PBI / 2009 on Risk Management for Commercial banks. PT. Bank Bukopin, Tbk. Padang Branch Office is one of the commercial banks are required to implement anti-fraud strategy. The purpose of this study was to determine how the application of prudential banking principles in lending through anti-fraud strategy as a form of good corporate governance at PT. Bank Bukopin, Tbk. Padang Branch Office. This is descriptive research with juridical empirical research method. The research result found there was an implementation of prudential banking principle through anti-fraud strategy has been applying on lending through 5C principle, 4 P, and 3 R and also the application of four eyes principle was a basic control function by setting transaction process in the company that held by two people minimum as anti fraud implementation strategy in lending. The effectiveness of implementation for prudential banking principle through anti fraud at Bank Bukopin Padang Branch Office looks with a declining NPL (Non Performing Loan) and decreasing number of fraud found. The case of fraud that occurred has been resolved by particular unit called Anti Fraud Unit. The formation of this particular unit as a form of good corporate governance to increase public confidence if there is a fraud, it will be processed directly both internal and legal. Keywords: Prudential Banking Principles, Anti-Fraud Strategy, Good Corporate Governance

Actions (login required)

View Item