PENJAMINAN SIMPANAN DARI WAKTU KE WAKTU (STUDI PENJAMINAN SIMPANAN DI INDONESIA)
DOI:
https://doi.org/10.24246/jrh.2019.v3.i2.p129-144Keywords:
Customer, Guarantee, Bank, Blanket Guarantee, Limited Deposit InsuranceAbstract
Among the 3 (three) pillars of the financial industry, banks have a very important role. The bank instability is believed to deliver a significant impact on the national economy. Even though Indonesia started to regulate bank customer guarantees since 1973, the real concern of the matter came up in 1998 when Indonesia was experiencing a monetary crisis. This study focuses on the historical optics of customer deposit guarantee institutions in Indonesia. This normative research is combined with the approaches of historical and comparative. The research concludes that the development of bank customer guarantee institutions can be divided into 3 (three) periods which each period applies the patterns of a blanket guarantee and limited deposit insurance. A comparison with Singapore of Deposit Insurance Company (SDIC) was conducted and it created a lesson learning, that Indonesia needs to develop the guarantees which include Non-bank Financial Institusions and it needs to implement an aggregate systems.
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