[{"_1":2,"_136":-5,"_137":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","en","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","adae2c09-0357-442c-9e82-f66ff9750c64","regulationData",{"_36":33,"_37":38,"_132":133,"_134":135},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":48,"_50":51,"_52":53,"_59":60,"_61":62,"_66":67,"_71":72,"_73":74,"_75":76,"_77":78,"_79":-5,"_80":81,"_82":83,"_84":-5,"_85":86,"_87":88,"_89":90,"_91":92,"_93":94,"_101":102,"_103":104,"_105":106,"_119":120,"_121":122,"_123":124,"_125":126,"_127":128,"_129":-5,"_130":131},"title","Peraturan Bank Indonesia Nomor 11/2/PBI/2009 Tahun 2009 tentang Perubahan Ketiga atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum","short_title","Peraturan Bank Indonesia Nomor 11/2/PBI/2009","number","11/2/PBI/2009","year","2009","published_date","2009-01-29","effective_date","status_id","89192b77-602e-484c-89df-4fd3166b732a","status",{"_54":51,"_55":56,"_57":58},"id","name","Tidak Berlaku","description","Peraturan yang sudah tidak berlaku karena dicabut, diubah, atau habis masa berlakunya","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_54":60,"_55":63,"_64":65},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[68],{"_54":69,"_55":70,"_57":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","Perubahan Ketiga atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2009
Peraturan Bank Indonesia NO. 11/2/PBI/2009, LN.2009/NO.287, PERATURAN.GO.ID; 9 HLM
Peraturan Bank Indonesia TENTANG Perubahan Ketiga atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 29 Januari 2009. \n \n

","regulatory_relationship","Peraturan ini mengubah:\n1. Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum (Lembaran Negara Republik Indonesia Tahun 2005 Nomor 12, Tambahan Lembaran Negara Republik Indonesia Nomor 4471) sebagaimana telah diubah terakhir dengan Peraturan Bank Indonesia Nomor 9/6/PBI/2007 (Lembaran Negara Republik Indonesia Tahun 2007 Nomor 54, Tambahan Lembaran Negara Republik Indonesia Nomor 4716).","scope_and_parties","policy_content","Peraturan Bank Indonesia ini mengubah beberapa ketentuan dalam Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum. Perubahan tersebut meliputi:\n\n- **Pasal 35:** Kualitas kredit dapat ditetapkan berdasarkan ketepatan pembayaran pokok dan/atau bunga untuk kredit dengan jumlah tertentu kepada debitur atau proyek, termasuk UMKM, dengan batasan dan kriteria tertentu terkait penilaian risiko, KPMM, dan peringkat komposit Bank.\n- **Pasal 40:** Bank wajib melakukan identifikasi dan penetapan Properti Terbengkalai yang dimiliki, yang harus disetujui Direksi dan didokumentasikan. Bagian properti yang tidak digunakan untuk kegiatan usaha Bank secara mayoritas digolongkan sebagai Properti Terbengkalai.\n- **Pasal 47A:** Penggunaan agunan sebagai pengurang PPA harus dinilai oleh penilai independen (untuk aktiva produktif di atas Rp5 miliar) atau penilai intern Bank (untuk aktiva produktif sampai dengan Rp5 miliar), sejak awal pemberian aktiva produktif.\n- **Pasal 48:** Nilai agunan yang dapat diperhitungkan sebagai pengurang PPA ditetapkan dengan batasan persentase tertentu berdasarkan jenis agunan (surat berharga, tanah/bangunan) dan jangka waktu penilaian.\n- **Pasal 49:** Nilai agunan yang dapat diperhitungkan sebagai pengurang PPA tidak boleh melebihi nilai peningkatan agunan.\n- **Pasal 73:** Bank yang melanggar ketentuan tertentu dapat dikenakan sanksi administratif seperti teguran tertulis, pembekuan kegiatan usaha, atau pencantuman pengurus/pemegang saham dalam daftar orang yang dilarang. Pelanggaran Pasal 17 dan 18 mewajibkan pembentukan PPA sebesar 100%.","transitional_provisions","(-)","sanctions","1. Bank yang melakukan pelanggaran terhadap ketentuan yang diatur dalam peraturan ini dapat dikenakan sanksi administratif berupa teguran tertulis, pembekuan kegiatan usaha tertentu, atau pencantuman pengurus dan/atau pemegang saham Bank dalam daftar orang yang dilarang menjadi pemegang saham dan pengurus Bank.\n2. Bank yang melakukan pelanggaran terhadap Pasal 17 dan Pasal 18 wajib membentuk PPA sebesar 100% terhadap Aktiva yang dimaksud.","revokes",[],"revoked_by",[95],{"_96":97,"_98":99,"_36":100},"text","Peraturan BI No. 14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum","link","https://peraturan.bpk.go.id/Details/137449/peraturan-bi-no-1415pbi2012","a62aa3ef-a941-4b6d-b74a-72bf77924f23","partially_revokes",[],"partially_revoked_by",[],"amends",[107,111,115],{"_96":108,"_98":109,"_36":110},"Peraturan BI No. 9/6/PBI/2007 tentang Perubahan Kedua atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum","https://peraturan.bpk.go.id/Details/137622/peraturan-bi-no-96pbi2007","78996483-559a-4fbb-b141-b82f0fd324d8",{"_96":112,"_98":113,"_36":114},"Peraturan BI No. 8/2/PBI/2006 tentang Perubahan atas Peraturan Bank Indonesia Nomor 7/2/PBI/2005 Tentang Penilaian Kualitas Aktiva Bank Umum","https://peraturan.bpk.go.id/Details/137780/peraturan-bi-no-82pbi2006","47c5ad81-1f7c-4b21-9000-bb998e150f02",{"_96":116,"_98":117,"_36":118},"Peraturan BI No. 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum","https://peraturan.bpk.go.id/Details/137781/peraturan-bi-no-72pbi2005","ee5d6af2-badd-48b9-8839-e7bb29f92a09","amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

STATE GAZETTE OF THE REPUBLIC OF INDONESIA
No. 28, 2009

Banking
Commercial Bank
Assets
Amendment

(Explanation in Supplement to State Gazette of the Republic of Indonesia Number 4977)

BANK INDONESIA REGULATION
NUMBER: 11/2/PBI/2009
ON
THIRD AMENDMENT TO BANK INDONESIA REGULATION
NUMBER 7/2/PBI/2005
ON
ASSET QUALITY ASSESSMENT OF COMMERCIAL BANKS

BY THE GRACE OF GOD ALMIGHTY

GOVERNOR OF BANK INDONESIA,

\n\n \n \n

Considering:

that in order to face the impact of the global financial crisis and in order to encourage the movement of the real sector, a greater role from the banking sector is needed through financing to the business world;
that in order to increase the ability to carry out financing in crisis conditions, the Bank needs to increase efficiency while still implementing adequate risk management;
that efforts to increase efficiency include reviewing the arrangements regarding the

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