PENETAPAN SUKU BUNGA OLEH BANK MANDIRI PADANG DAN BANK RAKYAT INDONESIA PADANG DAN PENGAWASANNYA OLEH OTORITAS JASA KEUANGAN (OJK)

Abstract

Determination and control of interest rates have been set by bank Indonesia, as of 31st December 2013 a financial institution or bank instead of the bank supervised by the financial services authority (OJK). Outline of the problems are: (1)  how is the determination of the interest rates of  Bank Mandiri and  Bank Rakyat Indonesia Padang Against Customer (2) how is oversight of the financial services authority against the determination of the interest rates of  Bank Mandiri and Bank Rakyat Indonesia. This research uses the juridical sociological research methods. The source of the data used include primary and secondary data. Data collection techniques used are interviews and study documents, then these data were analyzed qualitatively. Of such research can be concluded (1) in the implementation of Bank Rakyat Indonesiaand Bank mandiri does not exceed the interest provision issued by Bank Indonesia. Basically each exempt banks set the interest rates to prospective clients. After the implementation bertuga OJK supervise banking (2) the determination of the interest rates set by the bank indonesia prevailing on the watch by the financial services authority (OJK) with the aim of managers, supervisors, as well as sanctions, OJK checks directly on the bank periodically at least once a year. LPs (LPS) as client money, insurance and Bank Indonesia that focus more on monetary. the independent agency coordinating the third in the country's inflation rate.

Keywords: Implementation, The Determination, The Interest Rates.