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"ABSTRAKSalah satu kegiatan usaha yang sangat dibutuhkan keberadaannya di duniaekonomi dewasa ini adalah kegiatan usaha lembaga perbankan yang berfungsisebagai lembaga intermediasi (intemiediary inslitutiori). Termasuk Bank Syariahyang melakukan kegiatan usaha tidak berdasarkan penerapan bunga (interest free),namun berdasarkan Prinsip Syariah, yaitu prinsip pembagian keuntungan dankerugian {profit and loss sharing principle). Setelah industri perbankan Indonesiaterpuruk dan berlangsung akibat krisis moneter sejak Juli 1997, Bank Syariah dengansistem bagi hasil dapat bertahan dan sebagai perbankan paling sehat dibandingkandengan Bank Umum Konvensional (’’Bank Konvensional”) dikarenakan tidakterpengaruh adanya negatif spread. Bank Konvensional dan Bank Syariah dalambeberapa hal memiliki persamaan, namun juga mempunyai perbedaan yang cukupmendasar, sehingga menimbulkan pertanyaan apakah kegiatan usaha berdasarkanPrinsip Syariah oleh PT. Bank Negara Indonesia (Persero) Tbk. (“BNI”) selaku BankKonvensional (dual banking system) dapat melaksanakan usahanya berdasarkanprinsip Syariah Islam. Metode analisis data menggunakan pendekatan metodekualitatif yang memberikan gambaran umum terhadap apa yang diteliti. Pokokpermasalahan yang dibahas dalam tesis ini adalah Apakah kegiatan usahaberdasarkan Prinsip Syariah oleh BNI sebagai Bank Konvensional telah sesuaidengan Peraturan Perbankan; Bagaimanakah cara BNI mempertahankan prinsipprinsipSyariah dalam menjalankan usaha berdasarkan Prinsip Syariahnya;Bagaimanakah cara pengawasan BI dan DPS terhadap BNI yang menjalankankegiatan usaha berdasarkan Prinsip Syariah. BNI telah melakukan kegiatan usahaberdasarkan Prinsip Syariah sesuai Peraturan Perbankan dan untuk mempertahankanPrinsip-prinsip Syariah, BNI telah mengimplementasikan kebijakan OtonomiKhusus; Pemisahan Bisnis Syariah & Konvensional; Sistem Pengelolaan Dana BankSyariah; Pembentukan DPS; dan Penerapan Produk dan Jasa BNI Syariah sesuaiSyariah. Mekanisme Pengawasan BNI Syariah dilakukan langsung oleh BI dan DPSserta berkoordinasi dengan DSN. BNI harus tetap menjalankan kebijakan OtonomiKhusus dan pengawasan ketat dari BI, DSN serta DPS sangat diperlukan gunamenjamin dana nasabah yang menginginkan dananya dikelola sesuai dengan PrinsipSyariah tetap terjaga.

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ABSTRACTOne of the much needed business activities existent is the activity of the bankinginstitution that role as intermediary institution. Included the Shari Bank has donebusiness activity, not based on interest (interest free), however based on the ShariPrinciple, it means profit and loss sharing principle. After the Indonesian bankingindustry crashed and continuing because of the monetary crisis since July 1997, theShari Bank with sharing principle can sustain and as healthier banking compared to theConventional Bank due to it was not affected with the negatif spread. The ConventionalBank and Shari Bank in certain matters has a similarity, but also has a quit basisdifferences, so that rise up a query whether the business activity based on ShariPrinciple by IT. Bank Negara Indonesia (Persero) Tbk. (“BN1”) as the ConventionalBank (“dual banking system”) could implement its business based on the Islam ShariPrinciple. Methodology of data analyses uses qualitative methodology approach, whichexpress the general picture toward the research. The main problems being raised up inthis thesis: do the business activity based on the Shari Principle by BNI as theConventional Bank has been in compliance with the Banking Regulation; How the waysof BNI sustains the Shari Principles in doing business based on its Shari Principle; Howthe ways of supervision by BI and the Shari Supervisory Board to BNI whom doingbusiness based on the Shari Principle. BNI has been doing business activity based onthe Shari Principle in accordance with Banking Regulation and to sustain its ShariPrinciples, BNI has implemented the policy of Special Autonomy; the Separation theShari and Conventional Businesses; Management System for Shari Fund Bank;Establishment of the Shari Supervisory Board; and apply the Products and Services ofBNI Shari in accordance with Shari. The Mechanism of Shari BNI supervision is donedirectly by BI and the Shari Supervisory Board and also coordinated with the NationalShari Board. BNI has to remain doing the policy of Special Autonomy and the tightsupervision is needed in order to guarantee the customer’s fund who want its fund ismanaged in accordance with Shari Principle remain guarded."

"Kehadiran Good Corporate governance (GCG) diperlukan dalam suatu Bank Umum Syariah (BUS) atau Unit Usaha Syariah (UUS) agar dapat mencapai kesinambungan usaha melalui pengelolaan yang didasarkan pada asas transparansi, akuntabilitas, responsibilitas, independensi serta kewajaran dan kesetaraan (KNKG, Pedoman GCG 2006). Tesis ini bertujuan untuk mencari jawaban atas pertanyaan mengenai bagaimana pengaturan dan penerapan prinsipprinsip GCG pada BUS dan UUS di Indonesia. Metode penelitian yang digunakan adalah metode penelitian yuridis normatif terhadap bahan kepustakaan dan didukung dengan wawancara dengan beberapa pejabat terkait. Tinjauan penelitian pengaturan prinsip GCG diperoleh dari Undang-undang No.40 Tahun 2007 tentang Perseroan Terbatas, Undang-undang No.21 tahun 2008 tentang Perbankan Syariah dan Peraturan Bank Indonesia, Undang-undang No.8 tahun 1995 tentang Pasar Modal dan Peraturan Bapepam & LK. Tinjauan Penerapan prinsip GCG pada BUS minimal diwujudkan dalam (1) pelaksanaan tugas dan tanggung jawab Dewan Komisaris dan Direksi; (2) kelengkapan dan pelaksanaan tugas komitekomite dan fungsi yang menjalankan pengendalian intern BUS; (3) pelaksanaan tugas dan tanggung jawab Dewan Pengawas Syariah; (4) penerapan fungsi kepatuhan, audit intern dan audit ekstern; (5) batas maksimum penyaluran dana; dan (6) transparansi kondisi keuangan dan non keuangan BUS. Sedangkan pada UUS minimal diwujudkan dalam (1) pelaksanaan tugas dan tanggung jawab Direktur UUS; (2) pelaksanaan tugas dan tanggung jawab Dewan Pengawas Syariah; (3) penyaluran dana kepada nasabah pembiayaan inti dan penyimpanan dana oleh deposan inti; dan (4) transparansi kondisi keuangan dan non keuangan UUS.

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The presence of Good Corporate Governance (GCG) is required in an Islamic Commercial Bank (ICB) or Islamic Business Unit (IBU) in order to achieve sustainability through the management efforts that are based on the principles of transparency, accountability, responsibility, independence and fairness and equality (NCG, GCG Guidance 2006). This thesis aims to find answers to the questions of how the regulation and implementation of the GCG principles to ICB and IBU in Indonesia. The method used for this research is juridical normative research, which were conducted on literature research and supported by interviews with relevant officials. Review on the Regulations of GCG principles are obtained from the Law No.40 of 2007 regarding Limited Liability Company, Law No.21 of 2008 on Islamic Banking and Bank Indonesia Regulations, Law No.8 of 1995 on Capital Markets and Bapepam & LK Regulations. Review on the Regulations of GCG principles in ICB shall be at least embodied in (1) the performance of duties and responsibilities of the Board of Commissioners and Directors, (2) the completion and execution of Committees? tasks and the internal control function of BUS (3) the performance of duties and responsibilities of the Sharia Supervisory Board (4) the implementation of the compliance, internal audit and external audit functions (5) The maximum limit of funds, and (6) transparency of financial and non financial conditions of BUS. While at IBU shall be minimal embodied in (1) the performance of duties and responsibilities of the Director of IBU (2) the performance of duties and responsibilities of the Sharia Supervisory Board, (3) the distribution of funds to finance core customers and deposit of funds by core depositors, and (4) transparency of financial and non financial condition of IBU."

"Salah satu cara untuk mendirikan bank syariah adalah dengan melakukan konversi bank konvensional menjadi bank syariah. Pendirian bank syariah dengan cara konversi tersebut membutuhkan modal disetor yang lebih murah dibandingkan dengan mendirikan bank syariah baru. Salah satu contoh pendirian bank syariah dengan cara konversi adalah konversi Bank Jasa Arta menjadi BRI Syariah. Konversi Bank Jasa Arta menjadi BRI Syariah tersebut menimbulkan permasalahan terkait cara konversi produk kredit di Bank Jasa Arta ke dalam produk BRI Syariah. Oleh karena itu, penelitian ini akan membahas mengenai konversi produk kredit di Bank Jasa Arta ke dalam produk di BRI Syariah.Dari penelitian ini dapat disimpulkan bahwa Konversi kredit di Bank Jasa Arta ke dalam produk BRI Syariah dilakukan dengan berpedoman pada Kebijakan Konversi BRI Syariah.

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One way to establish a sharia bank is by converting a conventional bank to a sharia one. This conversion requires less capital deposit, compared to establishing a new sharia bank from zero point. One example of sharia bank establishment through conversion is the conversion of Jasa Arta Bank to BRI Sharia. However, that conversion drew a problem concerning the method of converting the credit products in Arta Jasa Bank to BRI Sharia products. Thus, this research focuses on the issue of conversion of Jasa Arta Bank?s credit product to BRI Sharia?s product.Based on this research, I conclude that the conversion of credit products in Jasa Arta Bank to BRI Sharia?s products is done through the guidelines on BRI Sharia?s Conversion Policy."