FOUR EYES PRINCIPLE DALAM PENGELOLAAN RISIKO KREDIT PADA BANK
Unduhan
In order to implement the four eyes principle in the provision of bank credit there should be a separation of functions between the analysis, approval, and credit administration. The separation of functions is done in order to secure the credits begin the loan process until the credits were disbursed, even banks should separate settlement function of problem loans with a function that decides lending. This is done in order to avoid any conflict of interest between a bank and its clients' interests debtors. Due to the four eyes principle applied in lending may cause a credit crunch. Problem loans will affect the profitability and solvency of banks that ends decrease the soundness of the bank. Bank may be subject to administrative sanctions and criminal sanctions when the Member of the Board of Commissioners, Board of Directors, or bank employees who deliberately do not implement the measures necessary to ensure adherence to the bank of the provisions of this Act and the provisions of other legislation applicable to banks.
Unduhan
Buku
Abdulkadir Muhammad, Hukum Perusahaan Indonesia (Citra Aditya Bakti 2010).
Dahlan Siamat, Manajemen Bank (Cetakan Pe, Intermedia 1993).
Dawam Rahardjo,[et.,al.], Bank Indonesia Dalam Kilasan Sejarah Bangsa (LP3ES 1995).
Ferry N. Idroes, Manajemen Risiko Perbankan, Pemahaman Pendekatan 3 Pilar Kesepakatan Basle II Terkait Aplikasi Regulasi Dan Pelaksanaannya Di Indonesia (Ed1, Raja Grafindo Persada 2008).
Ismail, Manajemen Perbankan (kencana 2011).
Mahmoeddin, Melacak Kredit Bermasalah (Pustaka Sinar Harapan 2002).
Muhamad Djumhana, Hukum Perbankan Indonesia (Cetakan Ke, Citra Aditya Bakti 2012).
Nindyo Pramono, Bunga Rampai Hukum Bisnis Aktual (Citra Aditya Bhakti 2006).
Nurwahjuni dan Trisadini P.Usanti, Model Penyelesaian Kredit Bermasalah (Revka Petra Media 2013).
O.P. Simorangkir, Dasar-Dasar Dan Mekanisme Perbankan (Edisi Revi, Aksara Persada Indonesia 1985).
Sumadji P., Kamus Ekonomi (Wipress 2006).
Sutarno, Aspek-Aspek Hukum Perkreditan Pada Bank, (Alfabeta 2004).
Thomas Suyatno,[et.,al], Kelembagaan Perbankan (Edisi Kedu, Gramedia Pustaka Utama 1993).
Zulkarnain Sitompul, Lembaga Penjamin Simpanan, Subtansi Dan Permasalahannya (BookTerace & Library 2007).
Jurnal
Fifi Junita, ‘Perlindungan Hukum Bagi Nasabah dalam Pelaksanaan Transaksi Derivatif oleh Perbankan' (2003) 18 Yuridika.
Gunarto, ‘Risiko Dalam Pemberian Kredit Perbankan' 24 Jurnal Hukum Projustita.
Renniwaty Siringoringo, ‘Karakteristik Dan Fungsi Intermediasi Perbankan Di Indonesia' [2012] Buletin Ekonomi Moneter dan Perbankan.
Laman
Bank Indonesia, ‘Kamus Perbankan' (2003) <http://www.bi.go.id/en/Kamus.aspx> accessed 30 August 2016.
Bernhard Sumbayak, ‘Membangun Proses Kontrol (Series of Banking Operations – 2)' (Business Lounge Journal, 2014) 1 http://blj.co.id/2014/08/12/membangun-proses-kontrol-sehingga-menjadi-solid-series-banking-operations-2/.
Martin Brown et al., ‘The Hidden Costs of Control – Evidence from Small Business Lending' (2014) accessed 26 February 2016.
Pengamat Perbankan Indonesia, ‘InfoBank No 212 Edisi Khusus Vol XIX' 25 <http://infobanknews.com/> accessed 15 June 2015.
Perundang-undangan
Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah (Lembaran Negara Tahun 2008 Nomor 94, Tambahan Lembaran Negara 4867).
