[{"_1":2,"_143":-5,"_144":-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","d1dfa162-e54d-4ef5-8bda-2963526bf62a","regulationData",{"_36":33,"_37":38,"_139":140,"_141":142},"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,"_102":103,"_104":105,"_106":107,"_108":109,"_122":123,"_128":129,"_130":131,"_132":133,"_134":135,"_136":-5,"_137":138},"title","Peraturan Bank Indonesia Nomor 10/18/PBI/2008 Tahun 2008 tentang Restrukturisasi Pembiayaan bagi Bank Syariah dan Unit Usaha Syariah","short_title","Peraturan Bank Indonesia Nomor 10/18/PBI/2008","number","10/18/PBI/2008","year","2008","published_date","2008-09-25","effective_date","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_54":51,"_55":56,"_57":58},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","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","Restrukturisasi Pembiayaan bagi Bank Syariah dan Unit Usaha Syariah","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2008
Peraturan Bank Indonesia NO. 10/18/PBI/2008, LN.2008/NO.138, TLN NO.4898, BI.GO.ID : 6 HLM
Peraturan Bank Indonesia TENTANG Restrukturisasi Pembiayaan bagi Bank Syariah dan Unit Usaha Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 25 September 2008. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Surat Keputusan Direksi Bank Indonesia Nomor 31/150/KEP/DIR tanggal 12 November 1998 tentang Restrukturisasi Kredit\n2. Peraturan Bank Indonesia Nomor 2/15/PBI/2000 tanggal 12 Juni 2000 tentang Perubahan Surat Keputusan Direksi Bank Indonesia Nomor 31/150/KEP/DIR tanggal 12 November 1998 tentang Restrukturisasi Kredit\n3. Pasal 47 Peraturan Bank Indonesia Nomor 8/21/PBI/2006 tanggal 5 Oktober 2006 tentang Penilaian Kualitas Aktiva Bank Umum Yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah\n4. Pasal 46 dan Pasal 46A Peraturan Bank Indonesia Nomor 9/9/PBI/2007 tanggal 18 Juni 2007 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 8/21/PBI/2006 tentang Penilaian Kualitas Aktiva Bank Umum Yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah\n5. Pasal 23 Peraturan Bank Indonesia Nomor 8/24/PBI/2006 tanggal 5 Oktober 2006 tentang Penilaian Kualitas Aktiva Bagi Bank Perkreditan Rakyat Berdasarkan Prinsip Syariah","scope_and_parties","policy_content","

Peraturan ini bertujuan untuk mengatur kembali ketentuan mengenai restrukturisasi pembiayaan bagi Bank Syariah dan Unit Usaha Syariah guna menghindari risiko kerugian dan menjaga kualitas pembiayaan. Restrukturisasi ini dilakukan untuk membantu nasabah yang memiliki prospek usaha dan kemampuan membayar agar dapat menyelesaikan kewajibannya. Proses restrukturisasi harus memperhatikan prinsip syariah dan prinsip kehati-hatian. Bank Syariah dan Unit Usaha Syariah dapat melakukan restrukturisasi pembiayaan melalui penjadwalan kembali, persyaratan kembali, dan penataan kembali. Restrukturisasi hanya dapat dilakukan atas dasar permohonan tertulis dari nasabah dan untuk pembiayaan dengan kualitas kurang lancar, diragukan, dan macet. Bank wajib memiliki kebijakan dan prosedur tertulis yang disetujui oleh Komisaris dan diawasi secara aktif. Pelaksanaan restrukturisasi harus didukung dengan analisis dan dokumentasi yang memadai.

","transitional_provisions","1. Restrukturisasi Pembiayaan yang telah dilakukan Bank sebelum berlakunya ketentuan ini tidak dihitung sebagai Restrukturisasi Pembiayaan sebagaimana diatur dalam Pasal 6 Peraturan Bank Indonesia ini.","sanctions","1. Bank yang melakukan pelanggaran atas ketentuan sebagaimana diatur dalam Pasal 4, Pasal 5 ayat (3), Pasal 8, Pasal 9, Pasal 10 ayat (1) sampai dengan ayat (4), Pasal 14, Pasal 15, Pasal 17, Pasal 18 dikenakan sanksi administratif sebagaimana dimaksud dalam Pasal 58 ayat (1) Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah.\n2. BPRS yang terlambat menyampaikan laporan dikenakan sanksi berupa denda uang sebesar Rp100.000,00 per hari keterlambatan dan paling banyak seluruhnya sebesar Rp700.000,00.\n3. BPRS yang tidak menyampaikan laporan dikenakan sanksi berupa denda uang sebesar paling banyak Rp1.000.000,00.","revokes",[93,99],{"_94":95,"_96":97,"_36":98},"text","Peraturan BI No. 2/15/PBI/2000 tentang Perubahan Surat Keputusan Direksi Bank Indonesia Nomor 31/150/KEP/DIR tanggal 12 November 1998 tentang Restrukturisasi Kredit","link","https://peraturan.bpk.go.id/Details/137875/peraturan-bi-no-215pbi2000","e0e33dda-f023-47fe-b257-472f79278715",{"_94":100,"_96":101},"Surat Keputusan Direksi Bank Indonesia Nomor 31/150/KEP/DIR tanggal 12 November 1998 tentang Restrukturisasi Kredit","","revoked_by",[],"partially_revokes",[],"partially_revoked_by",[],"amends",[110,114,118],{"_94":111,"_96":112,"_36":113},"Peraturan BI No. 9/9/PBI/2007 tentang Perubahan atas Peraturan Bank Indonesia Nomor 8/21/PBI/2006 tentang Penilaian Kualitas Aktiva Bank Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah","https://peraturan.bpk.go.id/Details/137624/peraturan-bi-no-99pbi2007","d5c932d9-0024-460c-9de4-480eca92940b",{"_94":115,"_96":116,"_36":117},"Peraturan BI No. 8/24/PBI/2006 tentang Penilaian Kualitas Aktiva Bagi Bank Perkreditan Rakyat Berdasarkan Prinsip Syariah","https://peraturan.bpk.go.id/Details/137706/peraturan-bi-no-824pbi2006","f203ba43-582a-4db9-8909-6eb4adb7201c",{"_94":119,"_96":120,"_36":121},"Peraturan BI No. 8/21/PBI/2006 tentang Penilaian Kualitas Aktiva Bank Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah","https://peraturan.bpk.go.id/Details/137707/peraturan-bi-no-821pbi2006","b232a5b3-a18b-4b12-a3a6-c2616e63e4d7","amended_by",[124],{"_94":125,"_96":126,"_36":127},"Peraturan BI No. 13/9/PBI/2011 tentang Perubahan atas Peraturan Bank Indonesia Nomor 10/18/PBI/2008 tentang Restrukturisasi Pembiayaan bagi Syariah dan Unit Usaha Syariah","https://peraturan.bpk.go.id/Details/137471/peraturan-bi-no-139pbi2011","3733dce7-93ad-47b9-8c15-52207ebce0f9","partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA REGULATION
NUMBER: 10/18/PBI/2008
ON
FINANCING RESTRUCTURING FOR SHARIA BANKS AND SHARIA BUSINESS UNITS

BY THE GRACE OF GOD ALMIGHTY,

GOVERNOR OF BANK INDONESIA,

\n\n \n \n \n \n \n

Considering:

that to avoid the risk of loss, Sharia Banks and Sharia Business Units are obliged to maintain the quality of their financing;
that one of the efforts to maintain the business continuity of financing customers, Sharia Banks and Sharia Business Units can restructure financing for customers who have business prospects and/or ability to pay;
that financing restructuring must consider sharia principles and prudential principles;
that based on the considerations as referred to in letters a, b, and c, it is necessary to re-regulate the provisions regarding Financing Restructuring for Sharia Banks and Sharia Business Units in a Bank Indonesia Regulation.

In view

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