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"[ABSTRAKPenulisan skripsi ini dilatarbelakangi oleh belum adanya payung hukum terhadap protokol manajemen krisis untuk mencegah dan menangani krisis perbankan yang terjadi di Indonesia. Krisis perbankan tersebut berdampak bukan hanya bagi kegiatan perekonomian negara, melainkan bagi keadaan politik yang begitu luas. Dalam penulisannya, metode yang digunakan adalah yuridis normatif, yaitu metode yang dilakukan dengan meneliti bahan pustaka atau data sekunder.Tesis ini menyoroti sejarah krisis perbankan yang melanda Indonesia dan Inggris dan bagaimana mekanisme dan aplikasi Jaring Pengaman Sistem Keuangan yang ada pada masing-masing negara tersebut. Adapun pertimbangan yang melatarbelakangi penulis untuk mengakat tema ini adalah, kedua negara tersebut sama-sama terkena imbas krisis subprime mortgage dari US pada tahun 2008 dan keduanya sama-sama mengalami krisis perbankan akibat satu bank kecil yang berdampak sistemik. Namun, saat ini Inggris sudah memiliki Undang-Undang yang mengatur koordinasi antar lembaga/otoritas dalam mencegah krisis dan menjaga Stabilitas Sistem Keuangan negaranyaABSTRACTThe writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country, The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country]"

"ABSTRAKPenulisan skripsi ini dilatarbelakangi oleh tidak terdapatnya sebuah protokol manajemen krisis pada perbankan yang terintegrasi dalam satu payung hukum untuk mencegah dan menangani situasi krisis perbankan. Dalam penulisannya, metode yang digunakan adalah yuridis-normatif, yaitu metode yang dilakukan dengan meneliti bahan pustaka atau data sekunder. Skripsi ini membahas tentang urgensi dari Jaring Pengaman Sistem Keuangan sebagai protokol manajemen krisis pada perbankan, serta protokol manajemen krisis perbankan yang ada saat ini di Indonesia. Hasil dari penulisan ini menyatakan bahwa diperlukannya Jaring Pengaman Sistem Keuangan sebagai Protokol Manajemen Krisis Perbankan.

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ABSTRACTThe writing of this thesis is motivated by the policy of crisis management protocol in order to prevent and to handle the crisis itself is not implemented yet. Methods used in this writing is the juridical-normative, the method is done by examining material library or a mere secondary material. This thesis is disscused about the urgency of Financial Safety Nets as a Banking Crisis Management Protocol as well as Indonesia Crisis Manajement Protocol that currently exist. The results of this thesis is suggest that the Financial Safety Nets as a Banking Crisis Management Protocol is urgent."

"Penyelamatan PT Bank Century Tbk oleh Lembaga Penjamin Simpanan (LPS) yang menimbulkan konsekuensi hukum pengambilalihan kepemilikan Bank Century oleh LPS sebagaimana diatur Pasal 40 huruf a jo. Pasal 41 ayat (1) Undang-Undang Nomor 24 Tahun 2004 tentang Lembaga Penjamin Simpanan (UU LPS), masih menyisakan berbagai permasalahan baik dari aspek politik maupun hukum. Dari aspek politik, Dewan Perwakilan Rakyat Republik Indonesia telah menggunakan hak angket untuk melakukan penyelidikan terkait proses penyelamatan Bank Century yang menyimpulkan bahwa telah terjadi penyalahgunaan oleh berbagai otoritas yang terkait dengan proses penanganan Bank Century. Dari aspek hukum, proses penyelamatan Bank Century telah dipersoalkan oleh mantan pemegang saham Bank Century melalui forum arbitrase pada International Centre for Settlement of Investment Disputes sebagai perbuatan melawan hukum yang bertentangan dengan kewajiban Pemerintah Republik Indonesia mengenai expropriation sebagaimana diatur dalam Bilateral Investment Treaty antara Pemerintah Republik Indonesia dan Pemerintah Kerajaan Inggris.Bahwa penyelamatan Bank Century oleh LPS tidak dapat dilepaskan dari kerangka hukum pelaksanaan Jaring Pengaman Sistem Keuangan (JPSK) yang ditujukan untuk menjaga stabilitas sistem keuangan. Pelaksanaan JPSK, dengan resolusi bank sebagai salah satu pilarnya, merupakan instrumen penting dalam menjaga stabilitas sistem keuangan. Dalam perspektif JPSK, penyelamatan Bank Century merupakan bentuk pelaksanaan tugas resolusi bank yang dimandatkan oleh UU LPS, yaitu sebagai bentuk intervensi otoritas publik dalam mengatasi dampak sistemik yang disebabkan oleh permasalahan suatu bank guna meminimalisir dampak kerusakan yang dapat ditimbulkan terhadap stabilitas sistem keuangan dan perekonomian secara keseluruhan. Resolusi bank pada dasarnya merupakan mekanisme extra judicial yang khusus diberlakukan bagi penanganan bank bermasalah dengan pertimbangan untuk menjaga dan memelihara kepercayaan masyarakat penyimpan dana terhadap sistem perbankan secara keseluruhan. Mengingat karakteristik pelaksanaan tugas resolusi bank maka penyelamatan Bank Century oleh LPS tidak dapat dipersamakan dengan tindakan nasionalisasi sebagaimana dimaksud dalam Undang-Undang Nomor 25 Tahun 2007 tentang Penanaman Modal maupun sebagai tindakan expropriation sebagaimana dimaksud dalam Bilateral Investment Treaty. Pemahaman akan pelaksanaan tugas resolusi bank menjadi penting artinya dalam memperkuat justifikasi dari aspek hukum terhadap tindakan penyelamatan terhadap Bank Century yang dilakukan oleh LPS.

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The bailout of PT Bank Century Tbk by the Indonesia Deposit Insurance Corporation (IDIC) which have caused the legal consequence of the ownership takeover of Bank Century by IDIC as regulated under Article 40 letter (a) jo. Article 41 paragraph (1) of the Law Number 24 of 2004 regarding Indonesia Deposit Insurance Corporation (IDIC Law), still leaves numerous matters on both legal and political aspects. From the political aspect, the House of Representatives of the Republic of Indonesia (DPR-RI) has used its right of inquiry to conduct an investigation on the Bank Century bailout process which concluded that there has been an abuse by authorities related to the Bank Century management process. From the legal aspect, the Bank Century bailout process has been questioned by Bank Century’s former shareholders through arbitration in the International Centre for Settlement Investment Disputes as a tort which is contrary to the obligation of the Government of the Republic of Indonesia regarding expropriation as stated in the Bilateral Investment Treaty between the Government of the Republic Indonesia and the English Royal Government.

The bailout of Bank Century by the IDIC can not be separated from the legal framework of the implementation of Financial System Safety Net (JPSK) intended to safeguard the financial system stability. The implementation of JPSK, with bank resolution as one of its pillars, is an important instrument in safeguarding the financial system stability. Under the perspective of JPSK, the bailout of Bank Century by IDIC through Temporary Capital Participation is a form of performance of bank resolution tasks mandated in the IDIC Law, as a form of public authority intervention in managing a systemic impact caused by problems of a bank to minimize the damage that may arise to the stability of the financial system and the economy comprehensively. In principle, bank resolution is an extra judicial mechanism specifically applied for the management of troubled banks in considerations to preserve and maintain the trust of depositing customers to the banking system comprehensively. Considering the characteristics of the implementation of bank resolution task, the bailout of Bank Century by the IDIC can not be equated with act of nationalization or expropriation of property rights referred to in the Law Number 25 of 2007 regarding Capital Investment nor as an act of expropriation as intended in the Bilateral Investment Treaty. The understanding of the implementation of bank resolution tasks become important in strengthening the justification of the legal aspects on the actions of the Bank Century bailout conducted by the IDIC."

"ABSTRAKIndonesia telah memberikan komitmen terbuka di sektor perbankan. Di kawasan ASEAN keterbukan sektor perbankan Indonesia menduduki nomor 2 tertinggi setelah Singapura. Terhadap kondisi yang telah terbuka tersebut, kecil kemungkinan untuk menarik komitmen perbankan Indonesia yang telah terdaftar dalam SoC liberalisasi sektor jasa keuangan di WTO. GATS memberikan ruang kepada negara anggota untuk menerapkan prudential measures. Annex on Financial Services merupakan aturan khusus yang mengatur mengenai liberalisasi sektor jasa keuangan yang tidak terpisahkan dari General Agreement on Trade in Services (GATS), dimana di dalamnya terdapat aturan yang mengijinkan negara untuk mengambil tindakan dengan alasan prudential termasuk untuk melindungi investor, depositor, pemegang saham atau orang yang menyerahkan fiduciary duty kepada pemasok jasa keuangan atau untuk menjamin integritas dan stabilitas dari sistem keuangan. Prudential measures mutlak diperlukan mengingat proses liberalisasi yang tidak disertai dengan sistem keuangan domestik yang kuat dapat menimbulkan efek negatif terhadap stabilitas sistem keuangan dan perekonomian Indonesia. Keterbukaan perbankan tersebut perlu direspon otoritas dengan bijak, melalui upaya persiapan dan peningkatan industri perbankan Indonesia menjadi industri perbankan yang sehat dan kuat sehingga memiliki daya saing dan ketahanan terhadap faktor pemicu resiko instabilitas.Tujuan dari penulisan tesis ini adalah untuk memahami penerapan GATS dalam liberalisasi jasa perbankan Indonesia dan penerapan prudential measures sebagai jaring pengaman stabilitas sistem keuangan dalam kaitan dengan kebijakan liberalisasi sektor jasa perbankan di Indonesia.

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ABSTRACTIn term of financial services liberalization, Indonesian commitment on banking sector liberalization open largely. In the ASEAN, the openness of Indonesia's banking sector is the 2nd after Singapore. GATS provides space for member to implement prudential measures. Annex on Financial Services is a specific rules on the financial services liberalization and being an integral part of the General Agreement on Trade in Services (GATS), which included a rule allowing the state to take action on prudential reasons, including to protect investors, depositors, share holders or the person submitting the fiduciary duty to financial service suppliers or to ensure the integrity and stability of the financial system. Prudential measures are absolutely necessary, since the liberalization process that is not accompanied by a strong domestic financial system can have a negative impact on the financial stability system and the economy of Indonesia. The oppeness of banking sector need to be respond by authority wisely, preparing the sound and strong banking industry is a must. The sound and strong banking industry could increase banking competitiveness and resilience to risk factors triggering instability. The purpose of this thesis is to understand the GATS and its application on banking services liberalization in Indonesia as well as the application of prudential measures as a part of financial system safety net in terms of Indonesian policy in the banking services liberalization."

"Bank merupakan lembaga keuangan yang memilki peran penting dalam rangka kesejahteraan masyarakat melalui berbagai jenis kegiatan perbankan. Salah satunya adalah pemberian kredit. Pemberian kredit ini tentunya ditujukan agar debitur yang membutuhkan dana dapat mendapatkan pinjaman dan agar bank juga mendapat keuntungan dalam bentuk bunga. Dalam pemberian kredit, bank harus berpegang kepada prinsip kepercayaan karena uang yang dipinjamkan kepada debitur merupakan uang titipan dari nasabah yang lain, meskipun telah berhati-hati tidak menutup kemungkinan bahwa kredit yang diberikan dapat menjadi kredit bermasalah. Kredit bermasalah dapat timbul karena berbagai faktor. Bank akan selalu berusaha untuk meminimalkan angka kredit bermasalah, diantaranya melalui upaya restrukturisasi kredit. Melalui Penelitian dengan metode yuridis normatif, penelitian ini membahas mengenai tinjauan hukum perkreditan pada perbankan di Indonesia serta upaya restrukturisasi kredit bermasalah. Pada penelitian ini akan dibahas mengenai upaya restrukturisasi kredit bermasalah antara PT. X dan PT. Y dengan Bank Z.

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Banks play an important role in creating and alleviating social welfare through its? activities. One of which is providing loans. Loans are given so that the debtor in need would be able to have funds and the bank would also benefit from receiving interests. In providing loans, a bank must uphold the fiduciary principle as the money belongs to other clients that have placed their trust upon said bank. Even when Banks have done their tasks carefully, there is still a possibility for the loan to become a non-performing loan. Non-performing loans occur due to numerous factors. Bank will always try to minimize the number of non-performing loans, one of the ways is through loan restructuring. By using normative legal research, this research will discuss the legal aspects of loans in banking and also loan restructuring as a method to mitigate non-performing loans. This research will also discuss the loan restructuring agreement in the non-performing loan between PT. X and PT. Y with Bank. Z."

"Otoritas Jasa Keuangan selaku lembaga pengawas sektor keuangan di Indonesia diberikan kewenangan untuk melakukan penyidikan tindak pidana di sektor jasa keuangan bersama pihak Kepolisian Negara Republik Indonesia berdasarkan Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan. Namun, pada tanggal 12 Januari 2023 diterbitkan Undang- Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK) yang menentukan bahwa penyidikan tindak pidana perbankan hanya dapat dilakukan oleh Penyidik OJK. Sementara itu, tidak lama dari penerbitan UU P2SK, pemerintah menerbitkan Peraturan Pemerintah Nomor 5 Tahun 2023 tentang Penyidikan Sektor Jasa Keuangan (PP 5/2023) yang menentukan bahwa selain Penyidik OJK, terdapat Penyidik Kepolisian juga yang dapat melakukan penyidikan tindak pidana perbankan. Maka dari itu pada penelitian ini akan dibahas mengenai bagaimana pengaturan penyidikan tindak pidana perbankan di Indonesia setelah diterbitkannya UU P2SK serta bagaimana perbandingan ketentuan penyidikan tindak pidana perbankan serta wewenang penyidik lembaga pengawas jasa keuangan di Indonesia, Singapura, dan Thailand. Adapun dalam penelitian ini dilakukan penelitian dengan metode penelitian doktrinal yakni pengolahan serta pengujian substansi hukum dengan memakai doktrin-doktrin hukum dalam rangka menemukan, mengkonstruksi, atau merekonstruksi aturan atau prinsip. Lebih lanjut, proses analisis data dilakukan melalui suatu studi perbandingan (micro-comparison) yakni bentuk pendekatan yang digunakan terhadap suatu topik atau aspek tertentu, atau institusi hukum tertentu pada dua atau lebih sistem hukum yang dalam penelitian ini adalah negara Singapura dan Thailand. Dari penelitian ini ditemukan bahwa terdapat kontradiksi antara ketentuan PP 5/2023 dengan UU P2SK. Diketahui juga bahwa pada negara Singapura penyidikan tindak pidana perbankan diserahkan kepada lembaga kepolisian yaitu Commercial Affairs Department sedangkan pada negara Thailand, penyidikan tindak pidana perbankan dilakukan oleh pejabat Bank of Thailand atau pihak eksternal.

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The Financial Services Authority (OJK) as the supervisory institution for the financial sector in Indonesia has the authority to conduct criminal investigations in the financial services sector together with the Indonesian National Police based on Law Number 21 of 2011 concerning the Financial Services Authority. However, on January 12, 2023 the Indonesian Parliament issued Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (P2SK Law) which stipulates that investigations of banking crimes can only be carried out by OJK investigators. Meanwhile, not long after the issuance of the P2SK Law, the government issued Government Regulation Number 5 of 2023 concerning Investigations of the Financial Services Sector (PP 5/2023) which stipulates that apart from OJK Investigators, there are also Police Investigators who can conduct banking criminal investigations. Therefore, this research will discuss how is the regulation regarding investigation of banking crimes in Indonesia after the publication of the P2SK Law and how is the provisions comparison for investigating banking crimes and the authority of investigators from financial services supervisory institutions in Indonesia, Singapore and Thailand. As for this research, research was carried out using doctrinal research methods, namely processing and testing legal substances using legal doctrines in order to find, construct, or reconstruct rules or principles. Furthermore, the process of data analysis is carried out through a comparative study (micro-comparison), namely the form of approach used on a particular topic or aspect, or certain legal institutions in two or more legal systems, which in this study are Singapore and Thailand. From this research it was found that there is a contradiction between the provisions of PP 5/2023 and the P2SK Law. It is also known that in Singapore the investigation of banking crimes is handed over to the police agency, namely the Commercial Affairs Department. Meanwhile in Thailand, investigations into banking crimes are carried out by Bank of Thailand officials or external parties."

"Kehadiran Islamic Bank of Britain (IBB) di tahun 2004 merupakan tonggak penting dalam studi ekonomi dan keuangan Islam. Kehadiran IBB bisa diartikan sebagai ?ekspansi‟ pertama sistem ekonomi dan keuangan Islam di luar Timur Tengah dan negara-negara Islam. IBB adalah bank ritel pertama berbasis syariah yang mendapatkan otorisasi dari Financial Services Authority (FSA). Sejak didirikannya IBB, kondisi ekonomi dan keuangan Islam di Inggris semakin berkembang pesat. Bahkan, Inggris adalah negara Barat (non-muslim) pertama yang berhasil menembus peringkat sepuluh besar negara-negara dengan aset keuangan Islam terbesar di dunia. Posisi ini kemudian menjadi semakin menarik karena langkah Inggris dalam menerapkan sistem ekonomi dan keuangan Islam ini berimbas pada perputaran dana Sovereign Wealth Fund (SWF) dan Petrodolar dari kawasan Teluk (GCC) yang notabene negara-negara Islam eksportir minyak yang kaya raya. Perbankan syariah, sebagai unit keuangan Islam, juga diyakini lebih kokoh akan gangguan krisis finansial yang sering kali meneror kondisi finansial negara-negara Barat sepeti Inggris. Dewasa ini, banyak ekonom yang mempertimbangkan sistem ekonomi dan keuangan Islam sebagai sistem alternatif dari sistem ekonomi dan keuangan konvensional atau kapitalisme yang cenderung destruktif.

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The establishment of Islamic Bank of Britain (IBB) in 2004 is a milestone to the Islamic economics and Islamic finance studies. This can be understood as the first ?expansion‟ of Islamic economics and Islamic finance outside the Gulf, Middle East, and, of course, Islam world. IBB is the first retail sharia-compliant bank which authorized by the British Financial Services Authority (FSA). Since then, the growth of Islamic economics and Islamic finance in the United Kingdom (UK) has been remarkable. Moreover, UK is the first western state which posited in the top 10 list country with a huge number of Islamic economics and Islamic finance asset and volume. This position give an interesting point in implementing Islamic economics and Islamic finance which affected by petrodollar recycling and sovereign wealth fund from the Gulf (Islamic and oil-exporting country). Islamic banks, as the unit of Islamic finance, are believed to be more resilient in times of financial crisis. Many economists considered Islamic economics and Islamic finance system as the alternative system to the world economy (conventional) or capitalism, which is destructive."

"Otoritas Jasa Keuangan (OJK) adalah lembaga pengawas jasa keuangan terintegrasi yang didirikan berdasarkan Undang-undang Nomor 21 Tahun 2011. Dengan berdirinya OJK, maka tugas pengaturan dan pengawasan sektor perbankan yang semula dijalankan oleh Bank Indonesia kini beralih kepada OJK. Penelitian ini membahas mengenai kewenangan yang dimiliki OJK dalam menjalankan tugas pengaturan dan pengawasan perbankan, serta membandingkannya dengan tugas pengaturan dan pengawasan perbankan yang dijalankan oleh lembaga pengawas jasa keuangan terintegrasi di negara lain. Perbandingan dilakukan terhadap Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) di Jerman yang dianggap berhasil, dan terhadap Financial Services Authority (FSA) di Inggris yang dianggap gagal dan telah dibubarkan. Perbandingan dalam penelitian ini ditinjau melalui kewenangan lembaga dalam menjalankan tugas pengaturan dan pengawasan perbankan di negaranya, mengenai independensi lembaga, dan mengenai hubungan antara lembaga pengawas tersebut dengan bank sentral di negaranya masing-masing.

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Indonesian Financial Services Authority (OJK) is an integrated financial supervisory established under Law No. 21 Year 2011. With the establishment of OJK, the banking regulatory and supervisory task, which is previously run by Bank Indonesia, is now transferred to OJK. This thesis explains about OJK's authority in running the banking regulatory and supervisory task, and compares it with integrated financial supervisory authority in other country. The comparison is conducted on Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany which considered success, and on Financial Services Authority (FSA) in United Kingdom which considered fail and has already been abolished. The comparison in this thesis is analyzed based on the institutions' authorities in running the banking regulatory and supervisory task, the institutions' independency, and the relation between the institutions and the central bank in their respective country."

"Dalam keadaan atau situasi segenting apapun fungsi-fungsi negara/kekuasaan negara tidak boleh absen. Oleh sebab itu menjadi penting suatu negara mempunyai pengaturan yang bersifat antisipatif guna menghadapi keadaan tidak normal atau situasi darurat yang serba mendesak, terutama bagi pejabat publik yang menjadi bagian dari penyelenggara negara, untuk memberikan dasar atas tindakan-tindakan yang harus dilakukan dalam jabatannya guna menghadapi situasi genting atau darurat tersebut.Memasuki kuartal ke IV tahun 2008, Pemerintah memandang perekonomian Indonesia memasuki kondisi yang mengkhawatirkan. Mempertimbangkan kondisi makro ekonomi global dan domestik, dengan mengacu kepada Pasal 22 UUD 1945, maka Pemerintah menerbitkan 3 (tiga) Peraturan Pemerintah Pengganti Undang-Undang (Perpu), salah satunya yaitu Perpu No. 4 Tahun 2008 tentang Jaring Pengaman Sistem Keuangan (JPSK), yang memperjelas Protokol Manajemen Krisis Sistem Keuangan Indonesia, mengingat belum selesainya penyusunan RUU JPSK. Dalam perjalanannya, Perpu dimaksud baru dicabut pada tanggal 6 Agustus 2015, melalui Undang-Undang Nomor 11 Tahun 2015 Tentang Pencabutan Peraturan Pemerintah Pengganti Undang-Undang Nomor 4 Tahun 2008 tentang JPSK.Pencabutan Perpu JPSK tersebut membawa implikasi terhadap pelaksanaan fungsi Bank Indonesia sebagai lender of last resort, yaitu mengakibatkan tidak adanya payung hukum yang mengatur mengenai jaring pengaman sistem keuangan, sehingga ada kekosongan hukum yang diperlukan untuk membentuk konstruksi yang sempurna bagi Bank Indonesia untuk melaksanakan fungsi lender of last resort. Dengan kondisi yang demikian, dalam hal terjadi krisis di sistem keuangan dan terdapat bank yang mengalami kesulitan likuiditas dan berdampak sistemik, Bank Indonesia tidak dapat menjalankan fungsi sebagai lender of last resort dengan baik.

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In any circumstance or urgent situation the functions of national/state power cannot be absent. Therefore becomes important to a country having regulation to face the emergency situation, especially for public officials who are part of the state, to provide the foundation for the actions that must be performed in order to confront his critical situation or emergency.Entering the fourth quarter of 2008, the Government views the Indonesian economy entered a vulnerable phase. Considering the global and domestic macro economy, with reference to Article 22 UUD 1945, the Government issued three (3) of Government Regulation in Lieu of Law (decree), one of the decree No. 4 Year 2008 on the Financial System Safety Net (FSSN), which clarifies the Financial System Crisis Management Protocol Indonesia, particularly related to the authorities concerned and regarding the rights and obligations of the arrangement, given the completion of the drafting of laws FSSN. Along the way, the decree was revoked on August 6, 2015, through Act No. 11 of 2015 concerning Revocation of Government Regulation in Lieu of Law No. 4 of 2008 on FSSN.Revocation of Exemption Law FSSN the implications of the implementation of Bank Indonesia function as a lender of last resort, which resulted in the absence of a legal framework governing the financial system safety net, so that there is a legal vacuum that needed to form a construction that is perfect for Bank Indonesia to perform the function of lender of last resort. With such conditions, in the event of a crisis in the financial system and some banks experiencing liquidity problems and systemic impact, Bank Indonesia cannot perform the function of lender of last resort as well."