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"ABSTRACTBilyet giro kosong merupakan salah satu bentuk kejahatan dalam dunia perbankan. Dengan banyak terjadinya penarikan bilyet giro kosong tersebut maka Bank Indonesia menerbitkan peraturan terbaru terkait bilyet giro dan bilyet giro kosong yaitu PBI No. 18/41/PBI/2016 tentang Bilyet Giro dan PBI No. 18/43/PBI/2016 tentang Daftar Hitam Nasional Penarik Cek dan/atau Bilyet Giro Kosong. Terdapat perubahan baru di dalam peraturan tersebut, baik dari syarat formal bilyet giro hingga hal-hal yang wajib dipenuhi oleh para pihak. Metode yang digunakan oleh penulis adalah metode yuridis normative. Metode penelitian yuridis normative merupakan penelitian hukum yang dilakukan dengan cara meneliti bahan pustaka atau data sekunder sebagai bahan dasar untuk diteliti dengan cara mengadakan penelusuran terhadap peraturan-peraturan dan literature-literatur yang berkaitan dengan permasalahan yang diteliti. Penulis akan menelaah peraturan bilyet giro yang terdahulu hingga yang terbaru, serta melakukan analisis terkait peraturan bilyet giro tersebut. Sistematika penulisan skrispsi ini dibagi menjadi beberapa pada bab pertama merupakan pendahuluan kemudian bab kedua adalah tinjauan umum mengenai bilyet giro dan penggunaannya dalam sistem pembayaran di Indonesia, bab ketiga adalah tinjauan mengenai pengaturan hukum terkait penarikan bilyet giro kosong menurut ketentuan perbankan di Indonesia, bab keempat adalah analisis pengaturan perbankan dalam menjamin perlindungan hukum bagi pemegang bilyet giro kosong, dan bab kelima adalah penutup. Hasil penelitian diharapkan mampu menjelaskan bagaimana peraturan baru terkait bilyet giro dapat menjamin perlindungan hukum terhadap pemegang bilyet giro itu sendiri dan sanksi-sanksi yang diberikan kepada penarik bilyet giro kosong.

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ABSTRACTWithdrawal of the blank Bilyet Giro is one of the crime in the world of banking. With a lot of the withdrawal of the blank bilyet giro, Bank Indonesia issued the latest regulations related to Bilyet Giro and Blank Bilyet Giro, namely PBI No. 18/41/ PBI / 2016 concerning Bilyet Giro and PBI No. 18/43/PBI/2016 concerning the National Black List of Check Pullers and / or Blank Bilyet Giro. There are new changes in the regulation, both from the formal requirements of the giro account to things that must be fulfilled by the parties. The method used by the author is a normative juridical method. Normative juridical research method is legal research conducted by examining library materials or secondary data as basic material to be examined by conducting a search of the rules and literature-literature relating to the problems. The author will review the current bilyet giro regulations up to the latest, as well as conduct an analysis related to the bilyet giro regulations. The systematics of writing this questionnaire is divided into several in the first chapter is an introduction, then the second chapter is an overview of the demand deposit and its use in the payment system in Indonesia analysis of banking arrangements in guaranteeing legal protection for holders of empty demand deposits, and the fifth chapter is closing. The results of the study are expected to be able to explain how the new regulations related to the bilyet giro can guarantee legal protection for the bilyet giro holders themselves."

"Bank as intermediary institutions (intermediacy) has a role in the strategic development of the business activity. In carrying out its role, the bank should be based on the principle of prudence and implement the necessary measures to ensure the observance of the bank against the provisions of the Banking Act and the provisions of other legislation, one of which regulation upon the administering Bilyet Giro rejection. In practice, sometimes bank and bank employees are not implementing measures necessary to ensuring observance to the provision in a law, banking namely purposefully performs records related publishing fake affidavits refusal skp, travel (bilyet where reason disapproval outlined not confirming to fact or reason proposed by the towing. It certainly will cause legal consequence for the offender in put on criminal sanctions. The problem that need to be assessed is how responsible of the false bank were conducted by bank employees in publishing affidavits refusal (bilyet the giro skp) this is important in order to create a condition of health banking."

"Skripsi ini bertujuan untuk mengetahui pengaruh rasio keuangan Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Giro Wajib Minimum (GWM), Efisiensi Operasional (BOPO) dan Ukuran Perusahaan terhadap kinerja bank yang diukur menggunakan Return On Asset (ROA). Penelitian dilakukan terhadap 96 bank umum di Indonesia selama periode 2006-2013 yang dikelompokan menjadi 4 katagori yaitu: 1. Semua bank dalam penelitian ini, 2. Bank yang sudah go public dan bank yang belum go public, 3. Bank yang sudah pernah melakukan merger dan akuisisi dan bank yang belum pernah melakukan merger dan akuisisi, 4. Bank devisa dan bank yang bukan termasuk bank devisa. Metode penelitian menggunakan pengujian regresi data panel dengan variabel dependen CAR, LDR, NPL, GWM, BOPO dan Ukuran Perusahaan dan variabel independen ROA sebagai proksi kinerja bank. Tujuan penelitian ini untuk mengetahui apakah ada perbedaan tingkat signifikansi dari pengelompokan bank berdasarkan katagori tersebut. Hasil penelitian ini menyimpulkan bahwa rasio keuangan BOPO dan Ukuran Perusahaan memiliki perngaruh yang signifikan terhadap ROA. Sedangkan CAR, LDR, NPL dan GWM tidak memiliki pengaruh terhadap ROA. Berdasarkan dari pengelompokan yang dilakukan, ternyata tidak ada perbedaan tingkat signifikansi rasio keuangan terhadap kinerja bank. Hasil penelitian ini menyarankan bahwa setiap bank harus menjaga atau meningkatkan kinerjanya walaupun bank tersebut sudah pernah melakukan merger atau akuisisi dan sudah masuk dalam katagori bank yang sudah go public atau bank devisa.

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This research aims to determine the impact of financial ratios Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Reserve Requirement/Giro Wajib Minimum (GWM), Operational Efficiency (BOPO) and company size on banks performance as measured by ROA. The study was conducted on 96 commercial banks in Indonesia during the period 2006 to 2013 were grouped into 4 categories, namely: 1. All the banks in the study, 2. Banks that have gone public and the banks that have not gone public, 3. Banks that have already been merged and acquisitions and bank who has never made mergers and acquisitions, 4. exchange bank and bank no including foreign.

Research methods using panel data regression testing with the dependent variable CAR, LDR, NPL, GWM, ROA and size of the Company and the independent variables ROA as a proxy for bank performance. The purpose of this study to determine whether there are differences in the level of significance of the grouping categories based bank.

The results of this study concluded that the financial ratios ROA and company size has a significant effect on ROA. While CAR, LDR, NPL and GWM has no effect on ROA. Based on the grouping is done, there was no difference in the level of significance to the performance of the bank's financial ratios. The results of this study suggest that each bank must maintain or improve its performance even though the bank had never done a merger or acquisition and has been included in the category of banks that have gone public or foreign banks."

"ABSTRAKDalam menjalankan kegiatan usahanya, bank menerbitkan produk-produk simpanan, yaitu salah satunya ialah sertifikat deposito. Sertifikat deposito merupakan produk perbankan yang menawarkan simpanan dalam bentuk deposito, namun dapat dipindahtangan dengan mudah oleh pemiliknya. Saat ini penggunaan sertifikat deposito masih terhitung sangat rendah bila dibandingkan dengan produk simpanan bank lainnya, padahal terdapat banyak keunggulan di dalamnya. Selain simpanan bank, seritfikat deposito juga merupakan instrumen yang dapat diperdagangkan di Pasar Uang. Dalam perkembangannya, sertifikat deposito mengalami berbagai perubahan, baik secara definisi, penerbitan, maupun transaksinya. Perubahan-perubahan ini ternyata juga melahirkan suatu permasalahan hukum yang akan dibahas pada penelitian ini. Penelitian ini menggunakan metode yuridis normatif dimana dalam penelitiannya menekankan pada penggunaan norma-norma hukum secara tertulis yang didukung dengan hasil wawancara dengan narasumber dan informan. Dari tipe penelitian tersebut berdasarkan sifatnya penelitian ini merupakan penelitian deskriptif. Hasil dari penelitian ini menyatakan bahwa pengembangan pasar sertifikat deposito dapat mendorong perekenomian nasional. Di samping itu, terdapat juga suatu permasalahan hukum mengenai klasifikasi sertifikat deposito sebagai produk simpanan bank yang berbentuk surat-surat berharga.

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ABSTRACTIn conducting business activities, Bank offers corporations of Deposit Products, one of which is the Negotiable Certificate of Deposit. Negotiable Certificate of Deposit is a financial product that offers savings in a form of deposit, however it can be transferred to another person by endorsement. Current use of negotiable certificates of deposit is still very low if compared to the rate of other bank deposit products. Even though, it has many excellence traits in it. Besides a bank deposits, negotiable certificate of deposit is also an instrument that can be traded in the Money Market. In its developments, Negotiable certificate of deposit have various changes, either in its definition, issuance, as well as the transactions. These changes have also created a legal issue, which is going to be discussed in this thesis. In this research the writer is using the normative juridical method that emphasize the use of norms in writing which is supported with the result of interviews with interviewees and informants. Based on that type of research seen from its character, this research is a descriptive research. The results of this study indicate that with an expansion of negotiable certificate of deposit, it can improve the national economy. Other than that, there is also a legal problem regarding the classification of negotiable certificate of deposit as a bank deposit product in a form of negotiable instruments"