{"id":89850,"date":"2026-07-16T09:19:54","date_gmt":"2026-07-16T09:19:54","guid":{"rendered":"https:\/\/patroli86.com\/home\/?p=89850"},"modified":"2026-07-16T09:20:02","modified_gmt":"2026-07-16T09:20:02","slug":"pendirian-bank-harus-selektif-demi-menjaga-stabilitas-sistem-keuangan-nasional","status":"publish","type":"post","link":"https:\/\/patroli86.com\/home\/2026\/07\/16\/pendirian-bank-harus-selektif-demi-menjaga-stabilitas-sistem-keuangan-nasional\/","title":{"rendered":"Pendirian Bank Harus Selektif Demi Menjaga Stabilitas Sistem Keuangan Nasional"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"644\" height=\"532\" src=\"https:\/\/patroli86.com\/home\/wp-content\/uploads\/2026\/07\/screenshot_2026-07-16-16-19-41-12_c0d35d5c8ea536686f7fb1c9f2f8f2746186837983333878859.jpg\" alt=\"\" class=\"wp-image-89849\" srcset=\"https:\/\/patroli86.com\/home\/wp-content\/uploads\/2026\/07\/screenshot_2026-07-16-16-19-41-12_c0d35d5c8ea536686f7fb1c9f2f8f2746186837983333878859.jpg 644w, https:\/\/patroli86.com\/home\/wp-content\/uploads\/2026\/07\/screenshot_2026-07-16-16-19-41-12_c0d35d5c8ea536686f7fb1c9f2f8f2746186837983333878859-300x248.jpg 300w\" sizes=\"(max-width: 644px) 100vw, 644px\" \/><\/figure>\n\n\n\n<p><br>Patroli86.com, Tangerang Selatan, 16\/7\/2026 &#8211; Pendirian sebuah bank di Indonesia bukan sekadar memenuhi kebutuhan dunia usaha, melainkan merupakan proses hukum yang ketat untuk menjaga stabilitas sistem keuangan nasional. Oleh karena itu, setiap calon pendiri bank wajib memenuhi berbagai persyaratan administratif, permodalan, kepemilikan, hingga tata kelola sebagaimana diatur dalam Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan yang telah diubah dengan Undang-Undang Nomor 10 Tahun 1998.<br><br>Dalam materi perkuliahan Hukum Perbankan Universitas Pamulang dijelaskan bahwa pendirian bank harus memperoleh izin dari Bank Indonesia melalui dua tahapan, yaitu persetujuan prinsip dan izin usaha. Persyaratan tersebut meliputi struktur organisasi, kepemilikan, kecukupan modal, kompetensi pengurus, hingga kelayakan rencana bisnis. Ketentuan tersebut menunjukkan bahwa negara tidak memberikan izin secara mudah karena bank merupakan lembaga yang menghimpun dana masyarakat dan memiliki peran strategis dalam perekonomian nasional.<br><br>Penulis berpendapat bahwa mekanisme perizinan yang ketat merupakan langkah tepat untuk mencegah lahirnya bank yang tidak memiliki kesiapan finansial maupun tata kelola yang baik. Pengalaman berbagai krisis keuangan membuktikan bahwa lemahnya pengawasan dan rendahnya kualitas manajemen bank dapat menimbulkan kerugian besar bagi masyarakat dan mengganggu stabilitas ekonomi.<br><br>Selain aspek perizinan, aturan mengenai kepemilikan bank juga menjadi instrumen penting dalam menjaga transparansi dan akuntabilitas. Kepemilikan oleh warga negara Indonesia, badan hukum Indonesia, pemerintah daerah, maupun kemitraan dengan pihak asing telah diatur secara jelas, termasuk batas kepemilikan saham tertentu. Regulasi tersebut bertujuan menciptakan keseimbangan antara masuknya investasi dan perlindungan terhadap kepentingan nasional.<br><br>Di sisi lain, perkembangan perbankan syariah juga menunjukkan komitmen Indonesia dalam memberikan pilihan layanan keuangan yang sesuai dengan prinsip syariah. Kehadiran Bank Umum Syariah (BUS), Unit Usaha Syariah (UUS), serta Bank Pembiayaan Rakyat Syariah (BPRS) memperluas akses masyarakat terhadap sistem perbankan yang berlandaskan prinsip keadilan, transparansi, dan bagi hasil. Namun, seluruh lembaga tersebut tetap diwajibkan memenuhi standar perizinan, permodalan, serta pengawasan yang ketat.<br><br>Menurut penulis, kualitas pengurus bank juga menjadi faktor yang tidak kalah penting. Anggota direksi dan dewan komisaris harus memiliki kompetensi, integritas, serta bebas dari benturan kepentingan. Pengawasan terhadap pihak terafiliasi perlu dilakukan secara konsisten agar praktik penyalahgunaan wewenang, konflik kepentingan, maupun penyimpangan dalam pengelolaan bank dapat dicegah sejak dini.<br><br>Ke depan, penguatan regulasi perbankan harus diiringi dengan peningkatan pengawasan serta penerapan prinsip good corporate governance. Dengan demikian, industri perbankan Indonesia tidak hanya mampu menjaga kepercayaan masyarakat, tetapi juga menjadi pilar utama dalam mendukung pertumbuhan ekonomi yang sehat, inklusif, dan berkelanjutan.<br><br>Penulis: Yayan Andesta<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Patroli86.com, Tangerang Selatan, 16\/7\/2026 &#8211; Pendirian sebuah bank di Indonesia bukan sekadar memenuhi kebutuhan dunia usaha, melainkan merupakan<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28485],"tags":[],"class_list":["post-89850","post","type-post","status-publish","format-standard","hentry","category-peristiwa-ekonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pendirian Bank Harus Selektif Demi Menjaga Stabilitas Sistem Keuangan Nasional -<\/title>\n<meta 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