[{"_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","db37086c-6e51-4cf4-ad1a-86451ab01071","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,"_95":96,"_97":98,"_99":100,"_111":112,"_121":122,"_123":124,"_125":126,"_127":128,"_129":-5,"_130":131},"title","Peraturan Bank Indonesia Nomor 7/13/PBI/2005 Tahun 2005 tentang Kewajiban Penyediaan Modal Minimum Bank Umum Berdasarkan Prinsip Syariah","short_title","Peraturan Bank Indonesia Nomor 7/13/PBI/2005","number","7/13/PBI/2005","year","2005","published_date","2005-06-10","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","Kewajiban Penyediaan Modal Minimum Bank Umum Berdasarkan Prinsip 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


2005
Peraturan Bank Indonesia NO. 7/13/PBI/2005, LN.2005/NO.47, TLN NO.4501, BI.GO.ID : 17 HLM
Peraturan Bank Indonesia TENTANG Kewajiban Penyediaan Modal Minimum Bank Umum Berdasarkan Prinsip Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 10 Juni 2005. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Peraturan Bank Indonesia Nomor 3/21/PBI/2001 tanggal 13 Desember 2001 tentang Kewajiban Penyediaan Modal Minimum Bank Umum.\n2. Peraturan Bank Indonesia Nomor 5/12/PBI/2003 tanggal 17 Juli 2003 tentang Kewajiban Penyediaan Modal Minimum Bank Umum Dengan Memperhitungkan Risiko Pasar (Market Risk).","scope_and_parties","policy_content","

Peraturan Bank Indonesia ini bertujuan untuk mewujudkan sistem perbankan yang sehat dan mampu bersaing secara nasional dan internasional melalui penyesuaian struktur permodalan bank umum berdasarkan prinsip Syariah. Penyesuaian ini diperlukan karena ketentuan Kewajiban Penyediaan Modal Minimum (KPMM) yang ada belum sepenuhnya sejalan dengan karakteristik kegiatan usaha bank umum berdasarkan prinsip Syariah.

Ketentuan substansial dalam peraturan ini mencakup kewajiban bank dan Unit Usaha Syariah (UUS) untuk menyediakan modal minimum sebesar 8% dari aktiva tertimbang menurut risiko. Risiko yang diperhitungkan meliputi Risiko Penyaluran Dana dan Risiko Pasar, khususnya Risiko Nilai Tukar. Modal terdiri dari modal inti (tier 1), modal pelengkap (tier 2), dan modal pelengkap tambahan (tier 3), dengan batasan perhitungan modal pelengkap terhadap modal inti. Peraturan ini juga mengatur aspek permodalan, termasuk komponen modal inti, modal pelengkap, dan modal pelengkap tambahan, serta faktor-faktor yang dapat menambah atau mengurangi modal. Selain itu, diatur pula mengenai aktiva tertimbang menurut risiko, yang meliputi aktiva neraca dan pos-pos dalam daftar kewajiban, komitmen, dan kontinjensi (off-balance sheet account), dengan bobot yang berbeda sesuai dengan kadar risiko penyaluran dana yang melekat pada setiap pos. Peraturan ini juga mengatur mengenai risiko pasar, termasuk kewajiban bank untuk menyusun dan menerapkan kebijakan dan pedoman risiko pasar yang konsisten dengan prinsip Syariah.

","transitional_provisions","1. Bank sampai dengan periode laporan bulan November 2005 tetap diwajibkan untuk memenuhi kewajiban penyediaan modal minimum sebesar 8% sesuai ketentuan dalam Peraturan Bank Indonesia Nomor 3/21/PBI/2001 tanggal 13 Desember 2001 tentang Kewajiban Penyediaan Modal Minimum Bank Umum dan Peraturan Bank Indonesia Nomor 5/12/PBI/2003 tanggal 17 Juli 2003 tentang Kewajiban Penyediaan Modal Minimum Bank Umum Dengan Memperhitungkan Risiko Pasar (Market Risk).","sanctions","1. Bank yang tidak menyampaikan laporan sesuai ketentuan dikenakan sanksi denda sebesar Rp1.000.000,00 per hari kerja keterlambatan, dengan maksimum Rp30.000.000,00.\n2. Bank yang tidak memenuhi kewajiban penyediaan modal minimum dikenakan sanksi administratif berupa teguran tertulis dan ketentuan tindak lanjut pengawasan serta penetapan status bank.\n3. Bank yang tidak memenuhi kewajiban terkait UUS dikenakan sanksi administratif berupa teguran tertulis dan/atau penghentian ekspansi pembukaan kantor bank.\n4. Bank yang tidak memenuhi kewajiban terkait kebijakan risiko pasar, kepemilikan surat berharga Syariah, perhitungan risiko pasar, dan distribusi modal/laba dikenakan sanksi administratif berupa teguran tertulis, penurunan tingkat kesehatan, penggantian pengurus, dan/atau terkait dengan pembekuan kegiatan usaha atau pencabutan izin usaha.","revokes",[],"revoked_by",[],"partially_revokes",[],"partially_revoked_by",[],"amends",[101,107],{"_102":103,"_104":105,"_36":106},"text","Peraturan BI No. 5/12/PBI/2003 tentang Kewajiban Penyediaan Modal Minimum Bank Umum Dengan Memperhitungkan Risiko Pasar (Market Risk)","link","https://peraturan.bpk.go.id/Details/137943/peraturan-bi-no-512pbi2003","4e1db43e-1287-4c99-b7fd-4126bf312d6e",{"_102":108,"_104":109,"_36":110},"Peraturan BI No. 3/21/PBI/2001 tentang Kewajiban Penyediaan Modal Minimum Bank Umum","https://peraturan.bpk.go.id/Details/137876/peraturan-bi-no-321pbi2001","1180e601-55c8-4d82-9fdd-a0529cb45f0a","amended_by",[113,117],{"_102":114,"_104":115,"_36":116},"Peraturan BI No. 10/24/PBI/2008 tentang Perubahan Kedua 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/137607/peraturan-bi-no-1024pbi2008","9904b8e4-5617-432d-a706-7769fe6b41ec",{"_102":118,"_104":119,"_36":120},"Peraturan BI No. 8/7/PBI/2006 tentang Perubahan atas Peraturan Bank Indonesia Nomor 7/13/PBI/2005 tentang Kewajiban Penyediaan Modal Minimum Bank Umum Berdasarkan Prinsip Syariah","https://peraturan.bpk.go.id/Details/137957/peraturan-bi-no-87pbi2006","1ff4d8e0-b890-47f1-83b7-d74d99f0e34c","partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA REGULATION
NUMBER: 7/13/PBI/2005
CONCERNING
MINIMUM CAPITAL ADEQUACY REQUIREMENT
FOR COMMERCIAL BANKS BASED ON SHARIA PRINCIPLES

GOVERNOR OF BANK INDONESIA,

\n \n \n

Considering:

that in order to realize a sound banking system that is able to compete nationally and internationally, it is necessary to adjust the capital structure in line with the characteristics of the business activities of commercial banks based on Sharia principles that lead to the application of international standards;
that the existing Minimum Capital Adequacy Requirement provisions are not fully in line with the characteristics of the business activities of commercial banks based on Sharia principles;
that in connection with this, it is necessary to adjust the provisions regarding the Minimum Capital Adequacy Requirement for Commercial Banks based on Sharia principles in Bank Indonesia

","pdf_url","/proxy/pdf?id=db37086c-6e51-4cf4-ad1a-86451ab01071","actionData","errors"]