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ABSTRAKSalah satu kegiatan usaha yang sangat dibutuhkan keberadaannya di dunia
ekonomi dewasa ini adalah kegiatan usaha lembaga perbankan yang berfungsi
sebagai lembaga intermediasi (intemiediary inslitutiori). Termasuk Bank Syariah
yang melakukan kegiatan usaha tidak berdasarkan penerapan bunga (interest free),
namun berdasarkan Prinsip Syariah, yaitu prinsip pembagian keuntungan dan
kerugian {profit and loss sharing principle). Setelah industri perbankan Indonesia
terpuruk dan berlangsung akibat krisis moneter sejak Juli 1997, Bank Syariah dengan
sistem bagi hasil dapat bertahan dan sebagai perbankan paling sehat dibandingkan
dengan Bank Umum Konvensional (’’Bank Konvensional”) dikarenakan tidak
terpengaruh adanya negatif spread. Bank Konvensional dan Bank Syariah dalam
beberapa hal memiliki persamaan, namun juga mempunyai perbedaan yang cukup
mendasar, sehingga menimbulkan pertanyaan apakah kegiatan usaha berdasarkan
Prinsip Syariah oleh PT. Bank Negara Indonesia (Persero) Tbk. (“BNI”) selaku Bank
Konvensional (dual banking system) dapat melaksanakan usahanya berdasarkan
prinsip Syariah Islam. Metode analisis data menggunakan pendekatan metode
kualitatif yang memberikan gambaran umum terhadap apa yang diteliti. Pokok
permasalahan yang dibahas dalam tesis ini adalah Apakah kegiatan usaha
berdasarkan Prinsip Syariah oleh BNI sebagai Bank Konvensional telah sesuai
dengan Peraturan Perbankan; Bagaimanakah cara BNI mempertahankan prinsipprinsip
Syariah dalam menjalankan usaha berdasarkan Prinsip Syariahnya;
Bagaimanakah cara pengawasan BI dan DPS terhadap BNI yang menjalankan
kegiatan usaha berdasarkan Prinsip Syariah. BNI telah melakukan kegiatan usaha
berdasarkan Prinsip Syariah sesuai Peraturan Perbankan dan untuk mempertahankan
Prinsip-prinsip Syariah, BNI telah mengimplementasikan kebijakan Otonomi
Khusus; Pemisahan Bisnis Syariah & Konvensional; Sistem Pengelolaan Dana Bank
Syariah; Pembentukan DPS; dan Penerapan Produk dan Jasa BNI Syariah sesuai
Syariah. Mekanisme Pengawasan BNI Syariah dilakukan langsung oleh BI dan DPS
serta berkoordinasi dengan DSN. BNI harus tetap menjalankan kebijakan Otonomi
Khusus dan pengawasan ketat dari BI, DSN serta DPS sangat diperlukan guna
menjamin dana nasabah yang menginginkan dananya dikelola sesuai dengan Prinsip
Syariah tetap terjaga.
ABSTRACTOne of the much needed business activities existent is the activity of the banking
institution that role as intermediary institution. Included the Shari Bank has done
business activity, not based on interest (interest free), however based on the Shari
Principle, it means profit and loss sharing principle. After the Indonesian banking
industry crashed and continuing because of the monetary crisis since July 1997, the
Shari Bank with sharing principle can sustain and as healthier banking compared to the
Conventional Bank due to it was not affected with the negatif spread. The Conventional
Bank and Shari Bank in certain matters has a similarity, but also has a quit basis
differences, so that rise up a query whether the business activity based on Shari
Principle by IT. Bank Negara Indonesia (Persero) Tbk. (“BN1”) as the Conventional
Bank (“dual banking system”) could implement its business based on the Islam Shari
Principle. Methodology of data analyses uses qualitative methodology approach, which
express the general picture toward the research. The main problems being raised up in
this thesis: do the business activity based on the Shari Principle by BNI as the
Conventional Bank has been in compliance with the Banking Regulation; How the ways
of BNI sustains the Shari Principles in doing business based on its Shari Principle; How
the ways of supervision by BI and the Shari Supervisory Board to BNI whom doing
business based on the Shari Principle. BNI has been doing business activity based on
the Shari Principle in accordance with Banking Regulation and to sustain its Shari
Principles, BNI has implemented the policy of Special Autonomy; the Separation the
Shari and Conventional Businesses; Management System for Shari Fund Bank;
Establishment of the Shari Supervisory Board; and apply the Products and Services of
BNI Shari in accordance with Shari. The Mechanism of Shari BNI supervision is done
directly by BI and the Shari Supervisory Board and also coordinated with the National
Shari Board. BNI has to remain doing the policy of Special Autonomy and the tight
supervision is needed in order to guarantee the customer’s fund who want its fund is
managed in accordance with Shari Principle remain guarded."
