[{"_1":2,"_137":-5,"_138":-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","f203ba43-582a-4db9-8909-6eb4adb7201c","regulationData",{"_36":33,"_37":38,"_133":134,"_135":136},"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,"_104":105,"_110":111,"_112":113,"_114":115,"_116":117,"_122":123,"_124":125,"_126":127,"_128":129,"_130":-5,"_131":132},"title","Peraturan Bank Indonesia Nomor 8/24/PBI/2006 Tahun 2006 tentang Penilaian Kualitas Aktiva Bagi Bank Perkreditan Rakyat Berdasarkan Prinsip Syariah","short_title","Peraturan Bank Indonesia Nomor 8/24/PBI/2006","number","8/24/PBI/2006","year","2006","published_date","2006-10-05","effective_date","2007-01-01","status_id","89192b77-602e-484c-89df-4fd3166b732a","status",{"_55":52,"_56":57,"_58":59},"id","name","Tidak Berlaku","description","Peraturan yang sudah tidak berlaku karena dicabut, diubah, atau habis masa berlakunya","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_55":61,"_56":64,"_65":66},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[69],{"_55":70,"_56":71,"_58":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","Penilaian Kualitas Aktiva Bagi 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


2006
Peraturan Bank Indonesia NO. 8/24/PBI/2006, LN.2006/NO.81, TLN NO.4650, BI.GO.ID : 20 HLM
Peraturan Bank Indonesia TENTANG Penilaian Kualitas Aktiva Bagi Bank Perkreditan Rakyat Berdasarkan Prinsip Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 01 Januari 2007. \n \n

","regulatory_relationship","Peraturan ini mencabut: 1. Peraturan Bank Indonesia No. 6/18/PBI/2004 tanggal 1 Juli 2004 tentang Kualitas Aktiva Produktif Bagi BPRS 2. Peraturan Bank Indonesia Nomor 6/19/PBI/2004 tanggal 1 Juli 2004 tentang Penyisihan Penghapusan Aktiva Produktif bagi Bank Perkreditan Rakyat yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah","scope_and_parties","policy_content","

Peraturan Bank Indonesia ini bertujuan untuk mengatur penilaian kualitas aktiva bagi Bank Perkreditan Rakyat Syariah (BPRS) guna memastikan kelangsungan usaha dengan mempertimbangkan risiko dan prinsip kehati-hatian. Kebijakan ini mengharuskan BPRS untuk melakukan penilaian kualitas aktiva produktif dan nonproduktif secara bulanan, serta membentuk penyisihan penghapusan aktiva. Penilaian kualitas aktiva produktif dibagi menjadi empat golongan: Lancar, Kurang Lancar, Diragukan, dan Macet, berdasarkan kemampuan nasabah dalam memenuhi kewajibannya. Selain itu, BPRS diwajibkan untuk memiliki kebijakan tertulis mengenai restrukturisasi pembiayaan dan penyelesaian agunan yang diambil alih (AYDA). Kebijakan ini juga mengatur pembentukan cadangan umum dan khusus untuk aktiva produktif dan nonproduktif, serta penilaian agunan yang dapat diperhitungkan sebagai pengurang dalam pembentukan penyisihan penghapusan aktiva.

","transitional_provisions","1. Penetapan kualitas Aktiva Non Produktif untuk AYDA sebagaimana dimaksud dalam Pasal 12 mulai berlaku pada tanggal 1 Desember 2007.","sanctions","1. BPRS yang tidak melaksanakan ketentuan dalam Pasal 2, Pasal 3, Pasal 5 ayat (6), Pasal 6 ayat (2) dan ayat (3), Pasal 7 ayat (2), Pasal 11 ayat (1), Pasal 12, Pasal 13, Pasal 14, Pasal 16, Pasal 17, Pasal 21, Pasal 23, Pasal 24, Pasal 25 dikenakan sanksi administratif sebagaimana dimaksud dalam Pasal 52 Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan sebagaimana telah diubah dengan Undang-Undang Nomor 10 Tahun 1998 antara lain berupa: a. teguran tertulis; b. penurunan tingkat kesehatan; dan/atau c. penggantian pengurus.","revokes",[94,100],{"_95":96,"_97":98,"_36":99},"text","Peraturan BI No. 6/19/PBI/2004 tentang Penyisihan Penghapusan Aktiva Produktif bagi Bank Perkreditan Rakyat Syariah","link","https://peraturan.bpk.go.id/Details/138026/peraturan-bi-no-619pbi2004","d0fd65f9-6543-4980-8420-11cb3cf6423a",{"_95":101,"_97":102,"_36":103},"Peraturan BI No. 6/18/PBI/2004 tentang Kualitas Aktiva Produktif bagi Bank Perkreditan Rakyat Syariah","https://peraturan.bpk.go.id/Details/138025/peraturan-bi-no-618pbi2004","6836007a-28de-4f2c-a818-31a1b1d8dfbd","revoked_by",[106],{"_95":107,"_97":108,"_36":109},"Peraturan BI No. 13/14/PBI/2011 tentang Penilaian Kualitas Aktiva bagi Bank Pembiayaan Rakyat Syariah","https://peraturan.bpk.go.id/Details/137474/peraturan-bi-no-1314pbi2011","8318644a-6710-445b-9c97-97612be4a4ec","partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[118],{"_95":119,"_97":120,"_36":121},"Peraturan BI No. 10/18/PBI/2008 tentang Restrukturisasi Pembiayaan bagi Bank Syariah dan Unit Usaha Syariah","https://peraturan.bpk.go.id/Details/137601/peraturan-bi-no-1018pbi2008","d1dfa162-e54d-4ef5-8bda-2963526bf62a","partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA REGULATION
NUMBER: 8/24/PBI/2006
ON
ASSET QUALITY ASSESSMENT
FOR RURAL CREDIT BANKS BASED ON
SHARIA PRINCIPLES

GOVERNOR OF BANK INDONESIA,

\n\n \n \n

Considering:

that the business continuity of rural credit banks based on Sharia principles depends on the ability to invest funds by considering risks and prudential principles in the form of fulfilling asset quality and adequate allowance for impairment of assets;
that the obligation to assess asset quality and establish an allowance for impairment of assets needs to be applied to productive assets and non-productive assets;
that the provisions regarding asset quality and the establishment of allowance for impairment of assets are interrelated provisions, so it is deemed necessary to unite these provisions in one regulation;
that based on the considerations as referred to in points a, b, and c, it is deemed

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