[{"_1":2,"_123":-5,"_124":-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","e7c3941d-3a69-49a0-948e-42a4a2919fd0","regulationData",{"_36":33,"_37":38,"_119":120,"_121":122},"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,"_98":99,"_100":101,"_102":103,"_104":105,"_106":107,"_108":109,"_110":111,"_112":113,"_114":115,"_116":-5,"_117":118},"title","Peraturan Bank Indonesia Nomor 9/17/PBI/2007 Tahun 2007 tentang Sistem Penilaian Tingkat Kesehatan Bank Perkreditan Rakyat Berdasarkan Prinsip Syariah","short_title","Peraturan Bank Indonesia Nomor 9/17/PBI/2007","number","9/17/PBI/2007","year","2007","published_date","2007-12-04","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","Sistem Penilaian Tingkat Kesehatan Bank Perkreditan Rakyat 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


2007
Peraturan Bank Indonesia NO. 9/17/PBI/2007, LN.2007/NO.146, TLN NO.4787, BI.GO.ID : 13 HLM
Peraturan Bank Indonesia TENTANG Sistem Penilaian Tingkat Kesehatan Bank Perkreditan Rakyat Berdasarkan Prinsip Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 04 Desember 2007. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Surat Keputusan Direksi Bank Indonesia Nomor 30/12/KEP/DIR tanggal 30 April 1997 tentang Tatacara Penilaian Tingkat Kesehatan Bank Perkreditan Rakyat, bagi Bank Perkreditan Rakyat berdasarkan prinsip syariah.","scope_and_parties","policy_content","

Peraturan Bank Indonesia ini mengatur sistem penilaian tingkat kesehatan Bank Perkreditan Rakyat Berdasarkan Prinsip Syariah (BPRS). Penilaian ini mencakup faktor-faktor seperti permodalan, kualitas aset, rentabilitas, likuiditas, dan manajemen. Tujuan dari penilaian ini adalah untuk menjaga dan meningkatkan kesehatan BPRS, yang merupakan kepentingan semua pihak terkait.

\n\n

Latar Belakang dan Tujuan:

Penilaian tingkat kesehatan BPRS penting untuk mengevaluasi kinerja bank dalam menerapkan prinsip kehati-hatian, kepatuhan terhadap ketentuan, dan manajemen risiko. Selain itu, BPRS juga harus mampu melaksanakan operasional perbankan sesuai dengan prinsip syariah. Penilaian ini menggunakan pendekatan kualitatif dan kuantitatif untuk memberikan gambaran yang komprehensif tentang kondisi BPRS.

\n\n

Ketentuan Substansial:

BPRS wajib melaksanakan kegiatan usaha berdasarkan prinsip kehati-hatian dan prinsip syariah. Dewan Komisaris dan Direksi BPRS wajib memantau dan mengambil langkah-langkah yang diperlukan untuk memenuhi Tingkat Kesehatan BPRS. Penilaian Tingkat Kesehatan BPRS mencakup penilaian terhadap faktor-faktor berikut:

Permodalan (capital)
Kualitas Aset (asset quality)
Rentabilitas (earning)
Likuiditas (liquidity)
Manajemen (management)

Penilaian dilakukan secara kuantitatif dan kualitatif, dengan mempertimbangkan berbagai komponen dan indikator pendukung. Hasil penilaian digunakan untuk menetapkan peringkat faktor keuangan dan peringkat manajemen, yang kemudian digabungkan untuk menentukan Peringkat Komposit. BPRS wajib melakukan penghitungan rasio-rasio keuangan terkait penilaian Tingkat Kesehatan BPRS secara triwulanan.

\n\n

Bank Indonesia melakukan penilaian Tingkat Kesehatan BPRS secara triwulanan berdasarkan hasil pemeriksaan, laporan berkala, dan/atau informasi lain. Jika hasil penilaian menunjukkan peringkat yang kurang baik, Bank Indonesia dapat meminta BPRS untuk menyampaikan rencana tindakan (action plan) untuk perbaikan.

","transitional_provisions","1. Kewajiban BPRS untuk melakukan penghitungan rasio-rasio keuangan sebagaimana dimaksud dalam Pasal 10 untuk pertama kalinya menggunakan data posisi akhir bulan Maret 2008.","sanctions","1. BPRS yang melanggar Pasal 2, Pasal 10, Pasal 12 ayat (2), dan Pasal 13 dikenakan sanksi administratif berupa teguran tertulis dan/atau pencantuman pengurus dan/atau pemegang saham bank dalam daftar orang yang dilarang menjadi pemegang saham dan pengurus bank.\n2. BPRS yang tidak memenuhi atau melaksanakan kewajiban sebagaimana dimaksud dalam Pasal 12 ayat (3) dikenakan sanksi berupa teguran tertulis, kewajiban membayar sebesar Rp1.000.000,- (satu juta rupiah), dan/atau pencantuman pengurus dan/atau pemegang saham bank dalam daftar orang yang dilarang menjadi pemegang saham dan pengurus bank.","revokes",[93],{"_94":95,"_96":97},"text","Surat Keputusan Direksi Bank Indonesia Nomor 30/12/KEP/DIR tanggal 30 April 1997 tentang Tatacara Penilaian Tingkat Kesehatan Bank Perkreditan Rakyat","link","","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

BANK INDONESIA REGULATION
NUMBER: 9/17/PBI/2007
ON
ASSESSMENT SYSTEM OF RURAL SHARIA BANK SOUNDNESS LEVEL BASED ON SHARIA PRINCIPLES

BY THE GRACE OF GOD ALMIGHTY

GOVERNOR OF BANK INDONESIA,

Considering:

that the soundness of rural sharia banks is the concern of all related parties, both bank owners and managers, bank service users and Bank Indonesia as the bank supervisory authority;
that the application of sharia principles in the management of rural sharia banks is one of the factors that influence the assessment system of soundness level;
that the improvement of sharia financial standards is one of the factors that influence the assessment system of the soundness level of rural sharia banks based on sharia principles;
that based on the considerations in letters a, b, and c, it is deemed necessary to regulate the assessment system of the soundness level of rural sharia banks based on sharia principles in a Bank

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