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From time to time the conditions of the world banking in Indonesia has undergone many changes. Besides due to the internal development of the banking sector, can not be separated from the influence of developments outside the banking world, like the real sector of the economy, politics, law, and social. Indonesia's economy is still experiencing ups and downs, the government deregulation and debureaucratization run gradually on the financial sector and economy. One purpose of the policy deregulation and debureaucratization is an attempt to build a healthy banking system, efficient, and resilient. The impact of over-regulated the banking system is stagnant conditions and the loss of banking initiatives. In the 1990s, to increase prudential practice for banking, Bank of Indonesia issued a the Policy Package on February 28, 1991 on Completion Control and Development Bank, who started the implementation of signs of prudence that refers to international banking standards include provisions on the Minimum Capital Requirement, Assets Allowance for formation. But now the condition of banking in Indonesia is getting better even though pressures of the global financial crisis increasingly felt. It is seen from the reduction in liquidity tightness and the growth of total bank credit. At the time it started popping up a new bank. Entering January 1998, the impact of crisis, especially concerning banking sector was increasingly extends. Balance in Bank of Indonesia continues. To prevent the destruction of the banking system caused crisis of confidence, The government take programs stabilization and comprehensive reform. This step is taken to keep the national payment system of disability that reflect badly on the whole economic activities and to restore public confidence.

In 2008, economy of Indonesia journey full of challenges and obstacles that must be faced. The global financial crisis that happened in the year and consequently are beginning to feel the impact of developing countries, especially Indonesia. Many forecasts and analysis of analysts predicted the impact of the global economic recession will be felt in 2009, forcing the government should work harder to play a brain to anticipate the impact worse next year. The global economic crisis began to be marked by the collapse of the world's largest financial institutions and followed bankruptcy of the American automotive industry. Plight in the United States also at once felt the developed countries of Europe. This crisis had an impact bad sentiment for financial institutions and non-bank banks in Indonesia. Domestic capital markets also was corrected at the level of the worst impacts of spread of stock market crash on Wall Street. It forced Indonesia banking sector in 2009 had to face more severe and gloomy. Because the impact of global economic pressures on economic growth began to be felt in the first quarter. Credit will be more careful with the limited liquidity and high interest rates. Conditions of banking in Indonesia getting better though the global financial crisis pressure of increasingly felt. It is seen from the reduction in liquidity tightness and the growth of total bank credit. The banking system in Indonesia started strong and has capital and good performance created by the improvement banking control system. Indonesia's economic performance is generally very good in the last 10 years by improving macroeconomic and financial system stability, especially in the fiscal and monetary policy. These positive developments done on the banking sector since the implementation of the stabilization program including lending began to increase in product innovation running.