[{"_1":2,"_125":-5,"_126":-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","e7763145-c609-48d5-99fa-bb6d07f21325","regulationData",{"_36":33,"_37":38,"_121":122,"_123":124},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_60":61,"_62":63,"_67":68,"_72":73,"_74":75,"_76":77,"_78":79,"_80":-5,"_81":82,"_83":84,"_85":-5,"_86":87,"_88":89,"_90":91,"_92":93,"_100":101,"_102":103,"_104":105,"_106":107,"_108":109,"_110":111,"_112":113,"_114":115,"_116":117,"_118":-5,"_119":120},"title","Peraturan Otoritas Jasa Keuangan Nomor 65/POJK.03/2016 Tahun 2016 tentang Penerapan Manajemen Risiko bagi Bank Umum Syariah dan Unit Usaha Syariah","short_title","Peraturan Otoritas Jasa Keuangan Nomor 65/POJK.03/2016 Tahun 2016","number","65/POJK.03/2016","year","2016","published_date","2016-12-23","effective_date","2016-12-28","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_55":52,"_56":57,"_58":59},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","87562a34-231b-40c7-9b97-1b05bf771685","type",{"_55":61,"_56":64,"_65":66},"Peraturan Otoritas Jasa Keuangan","short_name","Peraturan OJK","subjects",[69],{"_55":70,"_56":71,"_58":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Otoritas Jasa Keuangan","place_of_enactment","Jakarta","theme","Penerapan Manajemen Risiko bagi Bank Umum 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


2016
Peraturan Otoritas Jasa Keuangan NO. 65/POJK.03/2016, LN.2016/NO.298, TLN NO.5988, ojk.go.id: 42 hlm.
Peraturan Otoritas Jasa Keuangan TENTANG Penerapan Manajemen Risiko bagi Bank Umum Syariah dan Unit Usaha Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Otoritas Jasa Keuangan ini mulai berlaku pada tanggal 28 Desember 2016. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Peraturan Bank Indonesia Nomor 13/23/PBI/2011 tentang Penerapan Manajemen Risiko Bagi Bank Umum Syariah dan Unit Usaha Syariah.\n\nPeraturan ini mengubah:\n1. Peraturan Bank Indonesia Nomor 8/6/PBI/2006 tentang Penerapan Manajemen Risiko Secara Konsolidasi Bagi Bank Yang Melakukan Pengendalian Terhadap Perusahaan Anak (sepanjang tidak bertentangan).\n2. Ketentuan pelaksanaan dari Peraturan Bank Indonesia Nomor 5/8/PBI/2003 tentang Penerapan Manajemen Risiko Bagi Bank Umum sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 11/25/PBI/2009 (sepanjang tidak bertentangan).\n3. Angka 9 Surat Edaran Bank Indonesia Nomor 5/21/DPNP perihal Penerapan Manajemen Risiko bagi Bank Umum.","scope_and_parties","policy_content","

Peraturan Otoritas Jasa Keuangan ini mengatur tentang penerapan manajemen risiko bagi Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS). Latar belakangnya adalah bahwa kegiatan usaha perbankan syariah tidak terlepas dari risiko yang dapat mengganggu kelangsungan bank, sehingga bank wajib menerapkan manajemen risiko secara individu dan konsolidasi.

Tujuan dari peraturan ini adalah untuk memastikan bahwa langkah-langkah mitigasi risiko yang dilakukan bank syariah sesuai dengan Prinsip Syariah dan bahwa pengelolaan setiap aktivitas fungsional bank terintegrasi ke dalam sistem dan proses pengelolaan risiko yang akurat dan komprehensif.

Ketentuan substansial mencakup kewajiban bagi bank untuk menerapkan manajemen risiko secara efektif, baik secara individu maupun konsolidasi dengan Perusahaan Anak. Penerapan manajemen risiko paling sedikit mencakup pengawasan aktif Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah; kecukupan kebijakan dan prosedur manajemen risiko serta penetapan limit risiko; kecukupan proses identifikasi, pengukuran, pemantauan, dan pengendalian risiko serta sistem informasi manajemen risiko; dan sistem pengendalian intern yang menyeluruh. Risiko yang wajib dikelola mencakup Risiko Kredit, Risiko Pasar, Risiko Likuiditas, Risiko Operasional, Risiko Hukum, Risiko Reputasi, Risiko Stratejik, Risiko Kepatuhan, Risiko Imbal Hasil (Rate of Return Risk), dan Risiko Investasi (Equity Investment Risk).

Peraturan ini juga mengatur mengenai organisasi dan fungsi manajemen risiko, termasuk pembentukan komite manajemen risiko dan satuan kerja manajemen risiko. Bank wajib menyampaikan laporan profil risiko secara berkala kepada Otoritas Jasa Keuangan.

","transitional_provisions","(-)","sanctions","1. Bank yang terlambat menyampaikan laporan dikenakan denda sebesar Rp1.000.000,00 per hari keterlambatan.\n2. Bank yang tidak menyampaikan laporan dikenakan denda sebesar Rp50.000.000,00 per laporan.\n3. Bank yang menyampaikan laporan tidak lengkap atau tidak dilampiri dokumen yang material dikenakan denda sebesar Rp50.000.000,00.\n4. Bank yang tidak melaksanakan ketentuan lain dikenakan sanksi administratif berupa teguran tertulis, pembekuan kegiatan usaha tertentu, dan/atau pencantuman anggota pengurus, pegawai Bank, dan/atau pemegang saham dalam daftar pihak-pihak yang mendapat predikat tidak lulus.","revokes",[94],{"_95":96,"_97":98,"_36":99},"text","Peraturan BI No. 13/23/PBI/2011 tentang Penerapan Manajemen Risiko bagi Bank Umum Syariah dan Unit Usaha Syariah","link","https://peraturan.bpk.go.id/Details/137480/peraturan-bi-no-1323pbi2011","9177cf56-0fbc-4ffb-8b0c-a1381e76743c","revoked_by",[],"partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

FINANCIAL SERVICES AUTHORITY REGULATION
NUMBER 65/POJK.03/2016
ON
IMPLEMENTATION OF RISK MANAGEMENT FOR SHARIA COMMERCIAL BANKS
AND SHARIA BUSINESS UNITS

BY THE GRACE OF GOD ALMIGHTY

BOARD OF COMMISSIONERS OF THE FINANCIAL SERVICES AUTHORITY (OJK)

\n\n \n \n

Considering:

that Sharia banking business activities are inseparable from risks that can disrupt the bank's sustainability;
that to manage these risks, banks are required to implement risk management individually and on a consolidated basis;
that the characteristics of Sharia banking products and services require identification, measurement, monitoring, and risk control functions that are in accordance with Sharia banking business activities;
that the steps taken by Sharia banks in mitigating risks must consider conformity with Sharia Principles;
that the management of each functional bank activity must be

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