PELAKSANAAN UNDANG-UNDANG PERBANKAN TERHADAP SISTEM OPERASIONAL BANK KONVENSIONAL

Abstrak

Penelitian ini menganalisis penerapan Undang-Undang Perbankan terhadap sistem operasional bank konvensional di Indonesia, mengidentifikasi kendala yang muncul, serta mengukur dampaknya pada efisiensi dan stabilitas. Regulasi perbankan, seperti UU No. 7 Tahun 1992 jo. UU No. 10 Tahun 1998, mengatur perizinan, kegiatan usaha, prinsip kehati-hatian, dan perlindungan nasabah, yang esensial bagi stabilitas sistem keuangan. Namun, kompleksitas regulasi, biaya kepatuhan yang tinggi, keterbatasan sumber daya internal, serta tantangan adaptasi terhadap inovasi teknologi menjadi kendala utama. Meskipun demikian, penerapan hukum perbankan secara signifikan meningkatkan stabilitas operasional bank melalui peningkatan kepercayaan publik, pengurangan risiko sistemik, dan tata kelola yang lebih baik. Dampaknya pada efisiensi bervariasi; di satu sisi mendorong standardisasi dan inovasi kepatuhan, di sisi lain menimbulkan beban administrasi. Kesimpulannya, regulasi telah berhasil menciptakan ekosistem perbankan yang lebih kuat dan stabil.

This study analyzes the implementation of Banking Law on the operational systems of conventional banks in Indonesia, identifies challenges encountered, and assesses its impact on efficiency and stability. Banking regulations, such as Law No. 7 of 1992 jo. Law No. 10 of 1998, govern licensing, business activities, prudential principles, and customer protection, which are essential for financial system stability. However, regulatory complexity, high compliance costs, internal resource limitations, and challenges in adapting to technological innovations are major obstacles. Nevertheless, the implementation of banking law significantly enhances banks' operational stability by increasing public trust, reducing systemic risk, and improving corporate governance. Its impact on efficiency varies; while fostering standardization and compliance innovation, it also imposes administrative burdens. In conclusion, the regulation has successfully created a stronger and more stable banking ecosystem.