ABSTRAK
Salah 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.
ABSTRACT
One 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. |
