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2016
Peraturan Otoritas Jasa Keuangan NO. 6/POJK.03/2016, LN.2016/NO.18, TLN NO.6167, ojk.go.id: 19 hlm.
Peraturan Otoritas Jasa Keuangan TENTANG Kegiatan Usaha dan Jaringan Kantor Berdasarkan Modal Inti Bank
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Otoritas Jasa Keuangan ini mulai berlaku pada tanggal 27 Januari 2016. \n \n

","regulatory_relationship","Peraturan ini mencabut: 1. Peraturan Bank Indonesia Nomor 14/26/PBI/2012 tanggal 27 Desember 2012 tentang Kegiatan Usaha dan Jaringan Kantor Berdasarkan Modal Inti Bank (Lembaran Negara Republik Indonesia Tahun 2012 Nomor 286, Tambahan Lembaran Negara Republik Indonesia Nomor 5384)","scope_and_parties","policy_content","

Latar Belakang dan Tujuan: Peraturan ini ditetapkan untuk meningkatkan ketahanan, daya saing, dan efisiensi industri perbankan nasional dalam menghadapi dinamika regional dan global. Tujuannya adalah untuk mendukung pertumbuhan ekonomi Indonesia secara optimal dan berkesinambungan, serta meningkatkan fungsi intermediasi perbankan khususnya kepada usaha produktif.

Ketentuan Substansial: Peraturan ini mengatur pengelompokan bank berdasarkan Modal Inti menjadi empat kategori BUKU, yang menentukan cakupan kegiatan usaha dan pembukaan jaringan kantor. Bank wajib menyalurkan kredit atau pembiayaan kepada usaha produktif dengan persentase tertentu dari total kredit atau pembiayaan. Pembukaan jaringan kantor memerlukan izin dari Otoritas Jasa Keuangan dan harus memenuhi persyaratan kesehatan bank dan alokasi modal inti. Selain itu, bank yang melakukan kegiatan usaha dengan risiko dan kompleksitas tinggi harus mendapatkan persetujuan dari Otoritas Jasa Keuangan.

","transitional_provisions","1. Bank yang melakukan Kegiatan Usaha yang tidak sesuai dengan kegiatan BUKU Bank, wajib menyesuaikan Kegiatan Usaha mengikuti BUKU sebagaimana dimaksud dalam Pasal 5, Pasal 7 atau Pasal 9; atau meningkatkan Modal Inti. Penyesuaian dilakukan paling lambat akhir bulan Juni 2016. 2. Kewajiban Bank untuk menyalurkan kredit atau pembiayaan kepada usaha produktif sebagaimana dimaksud dalam Pasal 12 atau memfokuskan pada kegiatan penyaluran kredit atau pembiayaan kepemilikan rumah sebagaimana dimaksud dalam Pasal 13 ayat (1), dipenuhi paling lambat akhir bulan Juni 2016. 3. Kewajiban sebagaimana dimaksud dalam Pasal 31 dan Pasal 32 bagi Bank yang dimiliki oleh pemerintah daerah dipenuhi paling lambat akhir bulan Juni 2018. 4. Bank BUKU 3 yang memiliki kantor cabang, kantor perwakilan, dan jenis kantor lainnya di luar wilayah regional Asia sebelum tanggal 27 Desember 2012 dapat tetap mengoperasikan Jaringan Kantor di lokasi tersebut.","sanctions","1. Bank yang tidak mentaati ketentuan sebagaimana diatur dalam Pasal 2, Pasal 12, Pasal 13 ayat (3), Pasal 14, Pasal 16, Pasal 17, Pasal 18, Pasal 27, Pasal 31, Pasal 32 atau Pasal 33, dikenakan sanksi administratif berupa: a. teguran tertulis; b. penurunan peringkat tingkat kesehatan Bank; c. larangan pembukaan jaringan kantor baru; dan/atau d. pembekuan Kegiatan Usaha tertentu.","revokes",[94],{"_95":96,"_97":98,"_36":99},"text","Peraturan BI No. 14/26/PBI/2012 tentang Kegiatan Usaha dan Jaringan Kantor Berdasarkan Modal Inti Bank","link","https://peraturan.bpk.go.id/Details/137454/peraturan-bi-no-1426pbi2012","c36ff242-2247-4e52-beb2-de53a01a32ed","revoked_by",[102],{"_95":103,"_97":104,"_36":105},"Peraturan OJK No. 12/POJK.03/2021 Tahun 2021 tentang Bank Umum","https://peraturan.bpk.go.id/Details/227209/peraturan-ojk-no-12pojk032021-tahun-2021","043ae762-c758-4967-bc70-0c718cb21feb","partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

REGULATION OF FINANCIAL SERVICES AUTHORITY (FSA)
NUMBER 6/POJK.03/2016
CONCERNING
BUSINESS ACTIVITIES AND OFFICE NETWORK
BASED ON CORE CAPITAL OF BANKS

BY THE GRACE OF GOD ALMIGHTY

BOARD OF COMMISSIONERS OF THE FINANCIAL SERVICES AUTHORITY (FSA)

Considering:

that in order to face regional and global dynamics, and to support Indonesia's economic growth optimally and sustainably, it is necessary to increase the resilience, competitiveness, and efficiency of the national banking industry;
that in order to increase the resilience, competitiveness, and efficiency of the national banking industry, it is necessary to arrange the scope of business activities and the opening of office networks that are adapted to the bank's capital capacity;
that to support Indonesia's sustainable economic growth, Indonesian banking also needs to optimize its intermediation function, especially to productive businesses;
that based on the

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