KABUPATEN BEKASI – Inforayanews.co.id, – Apabila Perbankkan menawarkan suku bunga simpanan berjangka atau deposito lebih tinggi dibandingkan dengan bank lainnya itu merupakan salah satu strategi  bank. Saat ini hal serupa dilakukan oleh sejumlah bank digital demi mengumpulkan dana pihak ketiga (DPK).

Ketua Dewan Komisioner Lembaga Penjamin Simpanan (LPS) Purbaya Yudhi Sadewa mengatakan bahwa tingkat bunga penjaminan saat ini sebesar 3,5 persen. “Apabila nasabah menerima tingkat bunga simpanan yang melebihi tingkat bunga penjaminan LPS, maka simpanan nasabah dapat dinyatakan tidak layak bayar jika bank dicabut izin usahanya”.

Dia pun meminta kepada bank yang menawarkan suku bunga deposito lebih tinggi dari tingkat penjaminan LPS untuk memberikan informasi yang jelas kepada nasabah. Di sisi lain, nasabah perlu proaktif memastikan kepada bank apakah tingkat bunga simpanannya tidak melebihi tingkat bunga penjaminan LPS.

Sekretaris LPS Dimas Yuliharto mengimbau agar nasabah harus cermat terhadap tawaran cashback. Sebab, dia menjelaskan cashback juga menjadi salah satu komponen dalam perhitungan bunga. Sementara itu, syarat penjaminan LPS dikenal dengan 3T.

Pertama, tercatat pada pembukuan bank, Kedua, tingkat bunga simpanan yang diterima tidak melebihi tingkat bunga penjaminan LPS. Ketiga, tidak menyebabkan bank menjadi gagal, misalnya memiliki kredit macet. merujuk kepada ketentuan Surat Edaran (SE) Lembaga Penjaminan Simpanan (LPS) Nomor 13 Tahun 2022 dan Surat Edaran (SE) Nomor 12 Tahun 2022.

Tanggapan terhadap keterangan Lembaga Penjamin Simpanan (LPS) terhadap resiko suku bunga bank disampaikan langsung oleh Praktisi hukum Ulung Purnama,SH,MH yang merupakan Direktur Perkumpulan Kajian Bantuan Hukum (KBH-red) Wibawa Mukti yang beralamat kantor di ruko Cortes Jababeka, Desa Simpangan, Kecamatan Cikarang Utara, Kabupaten Bekasi, Jawa Barat, dan kepada media Inforayanews.co.id diapun menyatakan bahwa, terhadap ketentuan suku bunga bank umum yang ditawarkan melebihi bunga acuan yang dijamin LPS sebesar 3,5% maka sangat beresiko uang tabungan maupun deposito nasabah bank tidak dicover oleh LPS, hal ini tentu saja merugikan nasabah terutama bank yang menawarkan suku bunga diatas 3.5% tersebut. Terang Ulung Purnama kepada media, Senin (11-07-2022).

Seharusnya, masih menurutnya,” LPS membatasi secara tegas dan memberikan teguran kepada pelaku usaha bank atau perbankan yang melebihi jaminan bunga LPS tersebut, bukan memberikan kebebasan pengenaan suku bunga bank, yang ada LPS harusnya memastikan suku bunga perbankan dengan keamanan resikonya bagi nasabah meskipun terdapat perjanjian bank dan nasabahnya mengikat para pihak yang membuatnya sebagaimana dimaksud Pasal 1338 KUHPerdata, namun tetap harus dengan Itikad baik kesepakatan tersebut dibuat”. Ujarnya

Perkumpulan Kajian Bantuan Hukum (KBH) Wibawa Mukti berharap Lembaga Penjamin Simpanan (LPS) memberikan sosialiasi secara rutin akan resiko apabila ada perbankan yang menawarkan suku bunga diatas bunga yang dijamin LPS bekerjasama dengan Otoritas Jasa Keuangan (OJK) apalagi perubahan suku bunga perbankan seringkali berubah-ubah setiap waktu, sedangkan untuk Bank Perkreditan Rakyat (BPR) saat ini suku bunga yang dijamin sebesar 6%, oleh karena itu keterbukaan dan transparansi oleh bank dan LPS akan melindungi nasabah, sudah selayaknya nasabah yang menjadi korban perbankan  mendapatkan jaminan meskipun banknya pailit ataupun dicabut ijin usahanya. Pungkas Ulung Purnama, SH,MH selaku Direktur KBH Wibawa Mukti (Sep-red)

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