{"id":4388,"date":"2025-10-09T13:07:07","date_gmt":"2025-10-09T13:07:07","guid":{"rendered":"https:\/\/gumikbali.co.id\/?p=4388"},"modified":"2025-10-09T13:08:52","modified_gmt":"2025-10-09T13:08:52","slug":"tiga-opsi-lps-sebelum-likuidasi-bank-bermasalah","status":"publish","type":"post","link":"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/09\/tiga-opsi-lps-sebelum-likuidasi-bank-bermasalah\/","title":{"rendered":"Tiga Opsi LPS Sebelum Likuidasi Bank Bermasalah"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Catatan: D.Wijaya<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lembaga Penjamin Simpanan (LPS) menegaskan bahwa langkah likuidasi bank merupakan opsi terakhir dalam menangani bank bermasalah. Sebelum keputusan tersebut diambil, LPS akan menempuh tiga skema resolusi sesuai mandat Undang-Undang Nomor 24 Tahun 2004 tentang LPS sebagaimana telah diubah melalui UU PPSK.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hal tersebut dijelaskan David Resandy, &nbsp;Spesialist Pratama Pemeriksaan LPS dalam acara&nbsp; \u201cSeminar Enterprise Risk Management Practice Sharing Menigkatkan Kualitas Tata Kelola yang baik untuk memitigasi risiko Pada BPR\/S\u201d yang diselenggarakan pada Kamis 9 Oktober 2025 di Grand Mercure Kuta Bali.<strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tiga skema dimaksud: pertama Purchase and Assumption (P &amp;A).<strong> <\/strong>Dalam skema ini, aset dan kewajiban bank gagal akan dialihkan kepada bank lain yang sehat. Melalui proses ini, simpanan nasabah tetap terjaga karena kewajiban bank bermasalah diambil alih oleh bank pembeli. \u201cP &amp; A merupakan opsi utama karena dapat menjaga kelangsungan layanan perbankan bagi nasabah,\u201d ujar David Risandi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kedua, <em>Bridge Bank<\/em> atau bank perantara.<strong> <\/strong>Jika tidak ada bank yang berminat mengambil alih, LPS dapat melibatkan \u201cbank jembatan\u201d untuk sementara waktu. Bridge bank akan mengambil alih aset dan kewajiban bank gagal, serta melanjutkan operasional sambil menunggu investor permanen. Skema ini digunakan untuk menjaga stabilitas sistem keuangan dan memberi waktu bagi proses restrukturisasi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ketiga, Penyertaan Modal Sementara (PMS)<strong>. <\/strong>LPS juga dapat menyuntikkan modal dan menjadi pemegang saham sementara untuk memperbaiki kondisi bank. PMS hanya dilakukan jika bank dinilai masih prospektif dan dapat disehatkan kembali. Setelah kondisi membaik, kepemilikan bank akan dilepaskan kembali kepada investor strategis. PMS ini pernah dilakukan untuk Bank Centuri yang kemudian berubah nama menjadi Bank Permata.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"1024\" src=\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/4adde924-088d-4c04-b2bf-3fb6a79212cf-768x1024.jpg\" alt=\"\" class=\"wp-image-4390\" srcset=\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/4adde924-088d-4c04-b2bf-3fb6a79212cf-768x1024.jpg 768w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/4adde924-088d-4c04-b2bf-3fb6a79212cf-225x300.jpg 225w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/4adde924-088d-4c04-b2bf-3fb6a79212cf-1152x1536.jpg 1152w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/4adde924-088d-4c04-b2bf-3fb6a79212cf.jpg 1200w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cTujuan utama LPS bukan melikuidasi bank, tetapi menjaga stabilitas sistem keuangan dan melindungi nasabah, likuidasi hanya dilakukan bila tiga opsi resolusi tersebut tidak dapat diterapkan atau tidak efektif, tegas David Risandi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dengan tiga skema ini, LPS berupaya memastikan proses penanganan bank bermasalah dilakukan secara terukur, transparan, dan berpihak pada kepentingan masyarakat serta stabilitas industri perbankan.(Gumikbali.co.id\/D.Wijaya)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Catatan: D.Wijaya Lembaga Penjamin Simpanan (LPS) menegaskan bahwa langkah likuidasi bank merupakan opsi terakhir dalam menangani bank bermasalah. Sebelum keputusan tersebut diambil, LPS akan menempuh tiga skema resolusi sesuai mandat Undang-Undang Nomor 24 Tahun 2004 tentang LPS sebagaimana telah diubah melalui UU PPSK. Hal tersebut dijelaskan David Resandy, &nbsp;Spesialist Pratama Pemeriksaan LPS dalam acara&nbsp; \u201cSeminar [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4389,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-4388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bpr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tiga Opsi LPS Sebelum Likuidasi Bank Bermasalah - GUMIK BALI<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/09\/tiga-opsi-lps-sebelum-likuidasi-bank-bermasalah\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tiga Opsi LPS Sebelum Likuidasi Bank Bermasalah - GUMIK BALI\" \/>\n<meta property=\"og:description\" content=\"Catatan: D.Wijaya Lembaga Penjamin Simpanan (LPS) menegaskan bahwa langkah likuidasi bank merupakan opsi terakhir dalam menangani bank bermasalah. Sebelum keputusan tersebut diambil, LPS akan menempuh tiga skema resolusi sesuai mandat Undang-Undang Nomor 24 Tahun 2004 tentang LPS sebagaimana telah diubah melalui UU PPSK. 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