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"Skripsi ini membahas mengenai konsep Agent Banking terkait dengan penerapan prinsip mengenal nasabah. Konsep Agent Banking ini merupakan produk dari bank untuk memudahkan nasabah dalam melakukan transaksi perbankan tanpa harus pergi ke kantor cabang yang ada. Dengan adanya agent banking transaksi dapat dilakukan pada agen-agen yang ditunjuk oleh bank seperti kantor pos atau supermarket. Namun demikian, kemudahan bertransaksi yang diberikan oleh bank ini juga tidak luput dari peraturan yang sudah ada yaitu prinsip mengenal nasabah, dimana bank harus selalu mengedepankan prinsip ini sebelum melakukan transaksi. Hal ini menjadi hambatan bagi bank di Indonesia untuk memberlakukan konsep ini terkait dengan minimnya kelonggaran dalam peraturan mengenai prinsip mengenal nasabah. Dalam penelitian ini juga dikemukakan kemudahan- kemudahan yang ada pada peraturan prinsip mengenal nasabah di negara lain yang sudah menerapkan konsep agent banking untuk memberikan pembanding terhadap peraturan yang ada di Indonesia. Dengan adanya pembanding, dapat disimpulkan bahwa agent banking tetap dapat diberlakukan dengan tetap mengedepankan prinsip mengenal nasabah.

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The focus of this study is the concept of agent banking related to the implementation of know your customer principal. The agent banking concept is a product issued by the bank intended to allows customers to conduct banking transactions without having to go to a branch office. With agent banking, transactions can be done on agents which is appointed by the banks such as the post office or supermarket. However, the ease of transactions provided by the banks not necessarily make the product have an immunity from the laws that already exist, namely the principle of Know Your Customer, which the bank must always put the principles in front before making a transaction. It is a disincentive for banks in Indonesia to enact these concepts related to the lack of flexibility in the regulation of Know Your Customer principles. In this study also suggested that there are easiness on the principle of Know Your Customer regulations in other countries that have implemented the agent banking concept of agent banking to provide a comparison of the existing regulations in Indonesia. With this comparison, it can be concluded that the banking agent can still be applied alongside the know your customer principles."

"[ABSTRAKIndonesia merupakan negara dengan pangsa pasar yang besar, terutamadalam bidang properti. Untuk membantu pengembangan properti di Indonesiadibutuhkan terobosan baru dalam bidang kepemilikan properti. Tesis inimembahas mengenai kepemilikan bersama atas tanah dan bangunan secarafractional ownership. Pembahasan tesis ini bertujuan untuk mengkaji peraturanperundang-undangan yang ada, terkait dengan masalah yang dapat timbul sertaapakah bentuk fractional ownership dapat diberlakukan di Indonesia. Tujuantersebut berdasar pada pertanyaan Apakah pengaturan yang ada di Indonesia saatini sudah cukup memfasilitasi konsep Fractional Ownership di Indonesia dandapat diberlakukan seperti dengan konsep Fractional Ownership di Amerika. Danjuga bentuk penjaminan apa yang dapat dibebankan terhadap hak kepemilikanproperti Fractional Ownership di Indonesia dibandingkan dengan di Amerika.Dalam penelitian ini dikemukakan bahwa terdapat pada dasarnya terdapatbagian dari fractional ownership yang sudah digunakan di Indonesia. Meskipundemikian masih terdapat beberapa bagian penting dari fractional ownership yangbelum dikenal maupun berbeda dengan fractional ownership di Florida.Dalam penulisan tesis ini dapat dikatakan bahwa saat ini fractionalownership yang terdapat di Indonesia masih belum dapat disamakan dengan yangterdapat di Florida Amerika Serikat. Meskipun demikian tidak menutupkemungkinan untuk konsep ini dapat diberlakukan.

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ABSTRACT

Indonesia is a country with a large market share, particularly in the

property field. To assist the development of properties in Indonesia, it needs a

new breakthrough in the field of property ownership. This thesis focus on the

ownership of land and buildings as fractional ownership. This thesis aims to

examine the legislation that exists, associated with problems that may arise and

whether the form of fractional ownership may be enforced in Indonesia. These

objectives based on the question, are the existing arrangements in Indonesia at this

time is sufficient to facilitate the concept of Fractional Ownership in Indonesia

and may be enforced as the concept of Fractional Ownership in America. And

also what form of guarantees thatt can be charged against Fractional Ownership

property rights in Indonesia compared to in America.

In this study, it is stated that basically there are part of a fractional

ownership that has been used in Indonesia. Nevertheless there are still some

important parts of fractional ownership which has not been known or even

different in Indonesia today.

In this thesis it can be said that at this time that the fractional ownership in

Indonesia still cannot be compared to the one that found in Florida USA.

Nevertheless it is possible for this concept can be applied., Indonesia is a country with a large market share, particularly in the

property field. To assist the development of properties in Indonesia, it needs a

new breakthrough in the field of property ownership. This thesis focus on the

ownership of land and buildings as fractional ownership. This thesis aims to

examine the legislation that exists, associated with problems that may arise and

whether the form of fractional ownership may be enforced in Indonesia. These

objectives based on the question, are the existing arrangements in Indonesia at this

time is sufficient to facilitate the concept of Fractional Ownership in Indonesia

and may be enforced as the concept of Fractional Ownership in America. And

also what form of guarantees thatt can be charged against Fractional Ownership

property rights in Indonesia compared to in America.

In this study, it is stated that basically there are part of a fractional

ownership that has been used in Indonesia. Nevertheless there are still some

important parts of fractional ownership which has not been known or even

different in Indonesia today.

In this thesis it can be said that at this time that the fractional ownership in

Indonesia still cannot be compared to the one that found in Florida USA.

Nevertheless it is possible for this concept can be applied.]"