Erwin Harinurdin, Asti Setiawati, Wahyu Nofiantoro


ABSTRACT - Performance -based banking structures Indonesia does not have a normal life characters
banking and still largely determined by the ideological and political policies of the government. Banking
recovery by using a very protective manner, such as from the purchase of government bonds with limited or
margin lending and guaranteed withdrawal. Various indicators such as bank loan-deposit ratio ( LDR ) and
the structure of third-party funds that are still dominated by short-term funds such as checking and savings
shows that the bank has not been able to carry out its primary function in the economic system, intermediation.
In the framework of the restructuring and recovery of the national banking industry, Bank Indonesia has
taken some of the policies that are considered necessary. Some of these policies include the implementation of the
principles of risk management (according to Bassel Accor) and Know Your Customer principles. Overall, the
policy is structured in parent programs are often known as the Indonesian Banking Architecture (API). API
is expected to be the blue print as well as a reference for the Indonesian banking industry structure that is
considered ideal for BI.
Determine the number of actors performing the banking system, such as regulators, supervisors,
shareholders, directors, management, internal audit, external auditors, rating agencies and owners of customer
funds. The role of each differ according to the position, accountability mechanisms and social expectations. But
Praktik Governance Perbankan IndonesiaDitinjau dari Aspek Risiko
Erwin H, Asti S, Wahyu N
Volume 1, Nomor 2, pp 1-14
the articulation of good governance as a protrusion of the mission, capacity and relationships to be a
prerequisite for growth and stability.
The method used is descriptive qualitative approach. Based on the results of the study concluded that the
practice of governance in the Indonesian banking system has not been implemented optimally.
Keywords: Keywords: Banks, Risk, Governance.

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