ANALISIS KEBIJAKAN PENDANAAN PENJAMINAN SIMPANAN INDONESIA

Authors

  • Sigit Setiawan Badan Kebijakan Fiskal, Departemen Keuangan RI

DOI:

https://doi.org/10.31685/kek.v13i1.89

Keywords:

Financial Safety Net, LPS, Ex Ante, dan Ex Post

Abstract

Sistem penjaminan simpanan merupakan bagian tak terpisahkan dari jaring pengaman keuangan (financial safety nef) suatu negara. Sistem ini dibentuk oleh berbagai kebijakan kunci yang salah satunya adalah kebijakan pendanaan penjaminan simpanan. Dalam tulisan ini dikaji kebijakan pendanaan yang berlaku saat ini, alternatif kebijakan lain, kelebihan dan kekurangan masing-masing kebijakan, serta rekomendasi guna menutup kelemahan kebijakan pendanaan penjaminan simpanan yang digunakan saat ini. Dari sisi kebijakan tingkat premi, tingkat premi yang diterapkan oleh sistem penjaminan simpanan Indonesia saat ini tergolong moderat (tingkat premi saat ini 0,1 persen per semester atau 0,2 persen per tahun), karena berada di tengah-tengah rentang premi penjaminan kelompok negara-negara di dunia dalam kelas pendapatan yang sama dengan Indonesia. Tingkat premi tersebut cukup kondusif bagi perbankan Indonesia karena turut andil dalam memberikan cukup ruang bagi perbankan untuk memperbaiki tingkat kesehatan pasca krisis (NPL) dan memupuk modal dari laba (pendapatan bunga bersih) yang diperoleh untuk pengembangan usahanya. Guna memenuhi kepastian hukum dan sebagai antisipasi bila di masa depan cadangan penjaminan kurang dari target 2,5 persen atau tidak mencukupi, LPS perlu segera mendorong pemerintah untuk menerbitkan peraturan pelaksanaan di bawah UU yang mengatur mekanisme penyediaan bantuan pinjaman pemerintah dalam kondisi tidak memadainya atau tidak mencukupinya cadangan penjaminan.

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.........................., Penjaminan Dana Nasabah Tidak

Akan Dinaikkan, Tempo, 16 Januari 2004

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Published

2015-11-09

Issue

Vol. 13 No. 1 (2009)

Section

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