PERBANKAN DASAR | Syarat Pendirian Bank | Pembelajaran Online

Summary

This video covers the fundamental requirements for establishing a bank. Key topics include the process for obtaining principal and operational licenses from Bank Indonesia, the necessary documents for bank establishment, and the roles of the bank's board of commissioners and directors. It also emphasizes the importance of maintaining banking secrecy and the exceptions to this rule. Lastly, the video explains the legal consequences of violating banking confidentiality, including both criminal and administrative sanctions. The content provides a comprehensive overview of the regulatory framework for starting and running a bank in Indonesia.

Takeaways

• 😀 The establishment of a bank requires several steps, including obtaining approval from Bank Indonesia to begin the setup process.
• 😀 The approval process, known as 'Izin Prinsip,' requires submitting key documents like the draft of the bank's articles of association, ownership details, organizational structure plan, and proof of a 30% capital deposit.
• 😀 The 'Izin Usaha' (business license) is required to commence bank operations and must be accompanied by regular reports to Bank Indonesia within 10 days of operational activities starting.
• 😀 The board of commissioners and directors must meet specific qualifications, such as not being on Bank Indonesia's blacklist, having the ability to perform their tasks, and maintaining integrity.
• 😀 Members of the board of commissioners cannot be related by family, and directors cannot hold positions in other companies.
• 😀 Both the commissioners and directors must receive approval from Bank Indonesia before assuming their positions.
• 😀 Two main types of banking entities in Indonesia are defined: 'Bank Umum' (Commercial Banks) and 'BPR' (Rural Banks), governed by specific laws.
• 😀 Bank secrecy is essential to protect customer data, which includes personal information, account details, and financial transactions.
• 😀 There are exceptions to bank secrecy, such as when the bank needs to share information for tax purposes, legal disputes, or with the customer’s consent.
• 😀 Banks that breach confidentiality regulations may face both criminal and administrative sanctions.
• 😀 The approval for bank establishment is valid for 360 days after it is granted, and prospective bank owners have 60 days to receive the initial approval after submitting required documents.

Q & A

What is the main topic of the session discussed in the video?

The main topic of the session is the basic principles of banking, with a focus on the requirements and procedures for establishing a bank.

What are the objectives of this lesson on banking?

The objectives of the lesson are to understand the requirements for establishing a bank, explain the legal forms of a bank, and discuss the confidentiality of banks and penalties for violations.

What is the first requirement for establishing a bank?

The first requirement is obtaining an 'izin prinsip' or principle approval from Bank Indonesia, which allows for the preparation of the bank's establishment.

What documents must be submitted to Bank Indonesia when applying for principle approval?

The documents required include the draft deed of establishment, a list of ownership, the organizational plan, proof of capital deposit (at least 30% of the paid-up capital), a declaration from the owner, and other supporting documents.

How long does it take for Bank Indonesia to grant principle approval after the submission of the documents?

Bank Indonesia will grant the principle approval within a maximum of 60 days after receiving the required documents.

What is the duration of validity for the principle approval granted by Bank Indonesia?

The principle approval is valid for 360 days, allowing the applicant sufficient time to complete the bank's establishment process.

What is the second type of approval required after principle approval?

The second approval is the 'izin usaha,' or business license, which allows the bank to begin its operational activities.

What are the key requirements for the board of commissioners and board of directors of a bank?

The board members must not be blacklisted by Bank Indonesia, have the ability to perform their duties, possess integrity, and comply with restrictions such as family connections and multiple directorships in other companies.

What are the two main forms of legal entities for banks in Indonesia?

The two main forms of legal entities for banks are 'bank umum' (commercial banks) under Law No. 10/1998 and 'BPR' (rural banks) under Law No. 7/1992.

What is the concept of 'kerahasiaan bank' (bank secrecy)?

Bank secrecy refers to the confidentiality of customer information, including account details, credit amounts, and transaction history. This information must be protected unless specific exceptions apply, such as for tax purposes or legal proceedings.

What are some exceptions to bank secrecy where information can be disclosed?

Exceptions include situations involving tax matters, debt collection, legal proceedings, inter-bank information exchange, and with customer consent.

What penalties are imposed on banks for violating secrecy rules?

Banks that violate secrecy rules may face criminal penalties or administrative sanctions, depending on the nature and severity of the breach.