[{"_1":2,"_118":-5,"_119":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","id","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","ddef70ac-322c-4974-8f37-395fd6047057","regulationData",{"_36":33,"_37":38,"_114":115,"_116":117},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_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,"_101":102,"_103":104,"_105":106,"_107":108,"_109":110,"_111":-5,"_112":113},"title","Peraturan Otoritas Jasa Keuangan Nomor 21/POJK.03/2014 Tahun 2014 tentang Kewajiban Penyediaan Modal Minimun Bank Umum Syariah","short_title","Peraturan Otoritas Jasa Keuangan Nomor 21/POJK.03/2014 Tahun 2014","number","21/POJK.03/2014","year","2014","published_date","2014-11-18","effective_date","2015-01-01","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_6":52,"_55":56,"_57":58},"name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","87562a34-231b-40c7-9b97-1b05bf771685","type",{"_6":60,"_55":63,"_64":65},"Peraturan Otoritas Jasa Keuangan","short_name","Peraturan OJK","subjects",[68],{"_6":69,"_55":70,"_57":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Otoritas Jasa Keuangan","place_of_enactment","Jakarta","theme","Kewajiban Penyediaan Modal Minimun Bank Umum 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


2014
Peraturan Otoritas Jasa Keuangan NO. 21/POJK.03/2014, LN.2014/NO.352, TLN NO.5630, Jdih.ojk.go.id: 60 hlm.
Peraturan Otoritas Jasa Keuangan TENTANG Kewajiban Penyediaan Modal Minimun Bank Umum Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Otoritas Jasa Keuangan ini mulai berlaku pada tanggal 01 Januari 2015. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Peraturan Bank Indonesia Nomor 7/13/PBI/2005 tentang Kewajiban Penyediaan Modal Minimum Bank Umum Berdasarkan Prinsip Syariah sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 8/7/PBI/2006, kecuali Pasal 3, Pasal 4, dan Pasal 5.\n\nPeraturan ini mengubah:\n(-)","scope_and_parties","policy_content","

Peraturan ini bertujuan untuk meningkatkan kualitas dan kuantitas permodalan Bank Umum Syariah agar mampu menyerap risiko yang timbul dari krisis keuangan dan pertumbuhan pembiayaan yang berlebihan. Bank diwajibkan untuk menyediakan modal minimum sesuai dengan profil risiko yang mencakup risiko kredit, pasar, dan operasional. Selain itu, bank harus membentuk tambahan modal berupa Capital Conservation Buffer, Countercyclical Buffer, dan Capital Surcharge untuk bank yang berdampak sistemik. Peraturan ini juga mengatur proses Internal Capital Adequacy Assessment Process (ICAAP) dan Supervisory Review and Evaluation Process (SREP) untuk memastikan kecukupan modal bank. Implementasi kewajiban tambahan modal dilakukan secara bertahap mulai tahun 2016.

","transitional_provisions","1. Pada saat Peraturan Otoritas Jasa Keuangan ini mulai berlaku, Peraturan Bank Indonesia Nomor 7/13/PBI/2005 tentang Kewajiban Penyediaan Modal Minimum Bank Umum Berdasarkan Prinsip Syariah sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 8/7/PBI/2006, kecuali Pasal 3, Pasal 4, dan Pasal 5, dicabut dan dinyatakan tidak berlaku.\n2. Ketentuan Pasal 3, Pasal 4, dan Pasal 5 Peraturan Bank Indonesia Nomor 7/13/PBI/2005 sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 8/7/PBI/2006 dicabut dan dinyatakan tidak berlaku pada tanggal 1 Januari 2016.\n3. Instrumen modal sebagaimana diatur dalam Peraturan Bank Indonesia Nomor 7/13/PBI/2005 yang tidak memiliki jangka waktu dan diterbitkan sebelum tanggal 1 Januari 2015 namun tidak memenuhi kriteria komponen modal sesuai ketentuan ini dapat tetap diakui sebagai komponen modal sampai dengan tanggal 31 Desember 2018.\n4. Instrumen modal sebagaimana dimaksud pada ayat (1) yang memiliki jangka waktu dan diterbitkan sebelum tanggal 1 Januari 2015 namun tidak memenuhi kriteria komponen modal sesuai ketentuan ini dapat tetap diakui sebagai komponen modal sampai dengan jatuh tempo.\n5. Komponen dan persyaratan modal sebagaimana dimaksud dalam Peraturan Bank Indonesia sebelumnya dinyatakan tetap berlaku sampai dengan tanggal yang ditetapkan untuk transisi, sebagaimana diatur lebih lanjut.","sanctions","1. Bank yang melanggar ketentuan dikenakan sanksi administratif, antara lain berupa teguran tertulis, larangan melakukan ekspansi kegiatan usaha, pembekuan kegiatan usaha tertentu, larangan pembukaan jaringan kantor, penurunan tingkat kesehatan Bank, dan/atau pencantuman pengurus dan/atau pemegang saham Bank dalam daftar orang yang dilarang menjadi pemegang saham dan pengurus Bank.\n2. Bank yang tidak menyampaikan laporan perhitungan KPMM dikenakan sanksi berupa kewajiban membayar denda per hari kerja keterlambatan dengan jumlah paling banyak sebagaimana diatur.","revokes",[],"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

REGULATION OF FINANCIAL SERVICES AUTHORITY
NUMBER 21/POJK.03/2014
CONCERNING
MINIMUM CAPITAL ADEQUACY REQUIREMENT
SHARIA COMMERCIAL BANK

BY THE GRACE OF GOD ALMIGHTY

\n\n \n \n

Considering:

that in order to create a sound and competitive sharia banking system both nationally and internationally, banks need to improve their ability to absorb risks, including those caused by crisis conditions and/or excessive banking financing growth;
that in line with applicable international standards, the calculation of capital adequacy, which functions as a buffer to absorb losses arising from various risks, needs to be adjusted to the risk profile which includes credit risk, market risk, operational risk, and other significant risks;
that in line with the development of business complexity and bank risk as well as the implementation of risk-based supervision, banks must assess their risk profile

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