24
To support transparency to the public and the interests of the stakeholders, BI facilitates the presentation of
Rural Bank Publication Financial Reports, Rural Bank industry data and Rural Bank addresses through BI
website www.bi.go.id.
Furthermore, in order to improve supervisory quality of Rural Banks, the development of SI Rural Banks
shall be directed into a more focused monitoring system, meaning ofsite or onsite supervision against
the condition faced by Rural Banks. Development of Early Warning System EWS of Rural Banks shall
be conducted to support ofsite monitoring of Rural Banks condition, to complement the assessment
of soundness rating that is conducted periodically. Meanwhile, in order to support onsite monitoring,
a tool has been developed to help supervisors in conducting inspections to Rural Banks.
BI always make improvements to the information system related to the supervision of Rural Banks
in accordance with the supervisory needs, and it is expected that the developed system becomes the
information window that present the real condition of Rural Banks, as material in determining any
development to be done.
3. Debtor Information System SID
SID is a system that provides debtors information, both information on individuals and business entities,
developed to support duties and functions of BI in the ields of Monetary, Financial System Stability and
Banking Supervision, as well as to support operational activities of Financial Institutions, especially which
related to risk management. Information compiled in SID covers basic data of debtors, management
and owners of business entities, information on facilities of funds provision received by debtors
credits, credit management, securities, irrevocable LC, bank guarantees, participation, andor other
claims, collateral, guarantor, and inancial statements of debtors. SID utilizes web-based technology that
25
can be accessed in real time and online through the network of BI extranet.
E. Banking Investigation and Mediation
1. Policy Related to Banking Investigation Bank has the potential to be used as a facility andor target
to enrich oneself, families or certain groups by committing to banking crimes Tipibank, which eventually can
disrupt the operations and posing reputation risk to the banks. The said Tipibank acts might be committed
by the members of Board of Commissioners or Board of Directors, Shareholders, Bank stafemployees, ailliated
parties with the Banks, or other parties.
In line with the basic duties that have been implemented by Bank Indonesia, in order to govern and monitor banks,
BI might ind deviations that have Tipibank indications. However, BI does not have the authority to conduct
investigation and prosecution of alleged criminal banking crimes that has become BI indings. BI only has the right
to investigate of an alleged Tipibank, and then reports it to the investigators. Therefore, BI in coordination with
the state police and attorney general of the Republic of Indonesia conduct the handling of Tipibank embodied in
a Memo of Understanding.
In order to smoothen, expedite, and optimize the handling of alleged Tipibank, and also by the growing
complexity of problems and handlings of the alleged Tipibank, BI has taken strategic measures to establish
cooperation with other institutions, namely:
a. On 19 December 2011 a Memo of Understanding has been signed between BI, the State Police of the
Republic of Indonesia and the Attorney General’s Oice concerning Coordination in the Handling of
Criminal Acts in Banking Nos. 13104KEP.GBI2011,
B31XII2011 and Kep-261AJA122011, equipped with Implementation Guidelines Nos. 1310
KEP.DpG2011, B4768XII2011Bareskrim, Kep- 04EEJP122011 and Juk 12FFsp122011 on
Implementation Procedures of Coordination in the Handling of Banking Criminal Acts. This Memo of
26
Understanding is to replace the Joint Decree SKB Year 2004 between the Attorney General of RI, the
State Police Chief, and the Governor of BI. Some key points set out in the said Memo of Understanding
and its Implementation Guidelines are concerning the scope of coordination, organization and tasks of the
Coordination Team, and also implementation of the coordination.
b. Agreement between BI and the Deposit Guarantee Agency Nos.141KEP.DpG2012, KEP.001KEI2012
dated 4 January 2012 concerning Mechanism of the Handling of Alleged Banking Criminal Acts to Banks
which Licenses Have Been Revoked. Several key points set out in the said Agreement are the completeness
of supporting documents, assistance during the investigations, discussion of investigation results,
development of tipibank handling, and inancing of the investigations.
With the Memo of Understanding, it is expected that the handling of Tipibank can be done more rapidly
and optimally through the coordination in the following matters:
• Discussion on the alleged banking crimes; • Reporting of the alleged banking crimes;
• Provision of Witnesses; • Provision of Experts;
• Blocking of Accounts; • Coniscation of money and documents;
• Exchange of information, etc. With the coordination of this Tipibank’s handling, it is
expected that law enforcement eforts in the ield of banking will be optimized and be able to provide a
deterrent efect for the perpetrators of Tipibank, and eventuallycan realize a sound and resilient banking
system.
2. Policy related to Banking Mediation
Its function in banking mediation is conducted by BI
