Hayadi, DonnyJulyantoDwi (2016) Analyzing The Impact Of New Restriction Of Credit Card Ownership Based On Bank Indonesia Regulation Number 14/2/Pbi/2012 To Bank: A Multiplecase Study In Bank ‘X’ And Bank ‘Y’. Sarjana thesis, Universitas Brawijaya.
Abstract
ND untuk mendukung praktik pemberian kartu kredit yang lebih memperhatikan aspek manajemen risiko, pada 1 Januari 2015, Bank Indonesia mengeluarkan Peraturan Bank Indonesia Nomor 14/2 / PBI / 2012 tentang instrumen pembayaran ketentuan menggunakan kartu. Ada pembatasan baru kepemilikan kartu kredit dalam hal usia dan pendapatan berdasarkan peraturan tersebut. Rasanya regulasi di samping memiliki dampak positif bagi bank tetapi juga memiliki dampak negatif. Tujuan dari ini adalah untuk mengetahui yang penting dari kartu kredit untuk bank serta dampak dari peraturan kepada Bank. Dalam addtion, penelitian ini bertujuan untuk mengetahui bagaimana Bank Indonesia melakukan fungsi pengawasan mereka mengenai peraturan tersebut. Jenis penelitian ini adalah penelitian kualitatif dengan metode deskriptif dan menggunakan pendekatan studi multiplecase. Objek penelitian ini adalah Bank X dan Bank Y. Berdasarkan analisis, temuan menunjukkan bahwa kartu kredit memiliki peran penting untuk Bank dan peraturan memiliki dampak positif terhadap Bank X dan Bank Y. Dalam menjalankan fungsi pengawasan mereka, Bank Indonesia mengidentifikasi, memeriksa apakah peraturan tersebut dijalankan atau tidak, melakukan komunikasi berkala, baik dalam komunikasi verbal atau audit ke bank, dan memberikan hukuman jika ada bank yang melanggar peraturan tersebut.
English Abstract
nd to support the practice of granting credit card that put more attention in risk management aspect, on 1 January 2015, Bank Indonesia issued Bank Indonesia Regulation Number 14/2/PBI/2012 about the Provision Payment Instruments using Card. There is new restriction of credit card ownership in terms of age and income based on that regulation. It feels that regulation beside have a positive impact to bank but also have negative impact. The purpose of this is to find out the important of credit card for bank as well as the impact of the regulation to bank. In addtion, this research is aimed to find out how Bank Indonesia carries out their supervision function regarding the regulation. The type of this research is qualitative research with descriptive method and uses a multiplecase study approach. The objects of this research are Bank X and Bank Y. Based on the analysis, the finding show that credit card has an important role for bank and the regulation have positive impact to Bank X and Bank Y. In carry out their supervision function, Bank Indonesia identifying, checking whether the regulation is executed or not, conducting periodic communication, both in verbal communications or audit to bank, and give a punishment if there is a bank violated the regulation.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2016/694/051611729 |
| Subjects: | 600 Technology (Applied sciences) > 657 Accounting |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Budi Wahyono Wahyono |
| Date Deposited: | 16 Nov 2016 09:18 |
| Last Modified: | 28 Oct 2021 01:49 |
| URI: | http://repository.ub.ac.id/id/eprint/109161 |
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