Laporan Tahunan Annual Report Laporan Tahunan 2016 2016 Annual Report Meningkatkan kontribusi sektor jasa keuangan dalam mendukung program prioritas pemerintah Increasing contribution of financial services sector in supporting the government priority programs Laporan Tahunan dalam mendukung program prioritas pemerintah program prioritas mendukung dalam Increasing contribution of financial services sector in supporting the government priority programs sector in supporting the government Increasing contribution of financial services Meningkatkan kontribusi sektor jasa keuangan sektor jasa keuangan kontribusi Meningkatkan 2016 Annual Report Meningkatkan kontribusi sektor jasa keuangan dalam mendukung program prioritas pemerintah Increasing contribution of financial services sector in supporting the government priority programs OTORITAS JASA KEUANGAN Indonesia Financial Services Authority Gedung Soemitro Djojohadikusumo Jl. Lapangan Banteng Timur No.2-4 Jakarta 10710 Tel. +6221-29600000 www.ojk.go.id Rumah Adat Tongkonan Toraja Toraja’s Tongkonan Traditional House Rumah Tongkonan adalah rumah adat bagi masyarakat suku Toraja yang menetap di pegunungan bagian utara Sulawesi Selatan. Rumah berdiri di atas tumpukan kayu dan dihiasi dengan ukiran berwarna merah, hitam, dan kuning. Atapnya melengkung menyerupai tanduk kerbau, terbuat dari bahan ijuk atau daun rumbia. Di depan rumah terdapat tiang yang dihiasi susunan tanduk kerbau sebagai penanda tingkat strata sosial si pemilik rumah. Tongkonan house is the traditional house of Toraja people who live in the mountains of northern part of South Sulawesi. The house stands on a pile of wood and is decorated with red, black, and yellow carvings. The roof is curved to resemble buffalo horns, made of palm fiber or leaf. In front of the house there is a pole decorated with an arrangement of buffalo horns, serving as a marker of the social strata of the homeowner. Tentang OJK Fokus OJK 2016 Tinjauan Industri Tata Kelola dan Outlook dan Laporan Keuangan OJK at a Glance OJK Focus in 2016 Sektor Jasa Keuangan Manajemen Strategis Arah Strategis OJK 2017 OJK 2016 Overview of the Governance and Outlook and OJK Strategic OJK 2016 Financial Services Industry Strategic Management Direction in 2017 Financial Report Meningkatkan kontribusi sektor jasa keuangan dalam mendukung program prioritas pemerintah Increasing contribution of financial services sector in supporting the government priority programs Pada tahun 2016 sejalan upaya mendukung stabilitas sektor jasa keuangan dan melindungi kepentingan konsumen, OJK meningkatkan kontribusi sektor jasa keuangan dalam mendukung program prioritas pemerintah. Dukungan terhadap sektor kelautan dan perikanan, kedaulatan pangan, penyaluran Kredit Usaha Rakyat untuk UMKM, infrastruktur serta pariwisata tersebut telah memberikan andil dalam pertumbuhan ekonomi nasional. In 2016, in line with efforts to support the stability of the financial services sector and protect the interests of consumers, OJK enhances the contribution of the financial services sector in support of government priority programs. Support to the marine and fisheries sector, food sovereignty, the distribution of People’s Business Credit to MSMEs, infrastructure and tourism has contributed to the growth of national economy. Indonesia Financial Services Authority 2016 Annual Report 1 Otoritas Jasa Keuangan (OJK) • Laporan Tahunan 2016 Daftar Isi Table of Contents Tentang OJK Fokus OJK 2016 Tinjauan Industri Sektor 04 OJK at a Glance 60 OJK Focus in 2016 144 Jasa Keuangan Overview of the Financial Services Industry Misi Visi 6 Master Plan Sektor Jasa Keuangan 62 Kondisi Ekonomi Global dan Makro 146 Mission Vision Indonesia Ekonomi Indonesia Indonesia Financial Services Sector Global Economic Conditions and Logo OJK 8 Master Plan Macroeconomic Conditions in OJK’s Logo Indonesia Optimaliasi SJK dalam Percepatan 67 Nilai-Nilai Strategis 9 Pertumbuhan Ekonomi Nasional Perkembangan Industri Perbankan 156 Strategic Values Optimalization of Financial Service The Banking Industry Growth Struktur Organisasi 10 Sector to Accelerate National Perkembangan Industri Pasar Modal 160 Organization Structure Economic Growth The Capital Market Industry Growth Sambutan Ketua Dewan Komisioner 12 Menjaga Stabilitas Sistem Keuangan 106 Perkembangan Industri Keuangan 180 Chairman Foreword sebagai Landasan Pembangunan Non Bank (IKNB) yang Berkelanjutan Profil Dewan Komisioner 22 Nonbank Financial Industry Board of Commissioners Maintaining Financial System Stability as a Foundation of Perkembangan Industri Jasa 194 Kebijakan Strategis Eksternal 2016 34 Sustainable Development Keuangan Syariah OJK Strategic Policies In 2016 Sharia Financial Services Industry Mewujudkan Kemandirian Finansial 120 Kebijakan Strategis dalam Rangka 44 Masyarakat serta Mendukung Upaya Memperkuat Kapasitas Organisasi Peningkatan Pemerataan dalam Strategic Policies to Strengthen Pembangunan Organization Capacity Realising Financial Independence Peristiwa Penting 2016 48 and Supporting Equitable 2016 Event Highlights Development 2 Laporan Tahunan Otoritas Jasa Keuangan (OJK) 2016 Tata Kelola dan Outlook dan Laporan Keuangan 208 Manajemen Strategis 256 Arah Strategis OJK 2017 264 OJK 2016 Governance and Strategic Outlook and OJK Strategic OJK 2016 Financial Report Management Direction in 2017 Dewan Komisioner 210 Outlook Ekonomi 2017 258 Board of Commissioners Economic Outlook 2017 Komite-Komite OJK 212 Arah Strategis OJK 2017 259 OJK Committees OJK Strategic Direction in 2017 Audit Internal, Manajemen Risiko 216 Peta Strategis OJK 2017 260 dan Pengendalian Kualitas OJK Strategic Map 2017 Internal Audit, Risk Management and Quality Assurance Manajemen Strategi, Anggaran dan 222 Kinerja Strategic, Budget and Performance Management Komunikasi 227 Communication Hubungan Kelembagaan 230 Institutional Relationships Pengembangan Organisasi dan 234 Sumber Daya Manusia Organizational and Human Capital Development Insiatif Strategis 245 Strategic Initiatives Manajemen Perubahan 248 Change Management Sistem Informasi dan Logistik 252 Information Systems and Logistics Indonesia Financial Services Authority 2016 Annual Report 3 Otoritas Jasa Keuangan (OJK) • Laporan Tahunan 2016 TENTANg OJK OJK at a Glance Otoritas Jasa Keuangan (OJK) merupakan lembaga independen dan bebas dari campur tangan pihak lain, yang mempunyai fungsi, tugas dan wewenang pengaturan, pengawasan, pemeriksaan dan penyidikan di sektor jasa keuangan. OJK berfungsi menyelenggarakan sistem pengaturan dan pengawasan yang terintegrasi terhadap keseluruhan kegiatan di dalam sektor jasa keuangan. OJK melaksanakan tugas pengaturan dan pengawasan terhadap kegiatan jasa keuangan di sektor Perbankan, sektor Pasar Modal dan sektor Perasuransian, Dana Pensiun, Lembaga Pembiayaan dan Lembaga Jasa Keuangan lainnya. The Financial Services Authority (OJK) is an independent institution free from external interference, mandated with regulating, supervising, inspecting and investigating the financial services sector. OJK functions as host of integrated regulation and supervision over all activity in the financial services sector. Accordingly, OJK in charge of regulating and supervising financial services activity in the banking sector, in the capital market and in the insurance industry, as well as pension funds, finance companies and other financial services institutions. 4 Laporan Tahunan Otoritas Jasa Keuangan (OJK) 2016 Tentang OJK Fokus OJK 2016 Tinjauan Industri Tata Kelola dan Outlook dan Laporan Keuangan OJK at a Glance OJK Focus in 2016 Sektor Jasa Keuangan Manajemen Strategis Arah Strategis OJK 2017 OJK 2016 Overview of the Governance and Outlook and OJK Strategic OJK 2016 Financial Services Industry Strategic Management Direction in 2017 Financial Report Jembatan Ampera, Palembang, Sumatera Selatan Ampera Bridge, Palembang, South Sumatra Indonesia Financial Services Authority 2016 Annual Report 5 Otoritas Jasa Keuangan (OJK) • Laporan Tahunan 2016 Visi Vision Menjadi lembaga pengawas industri jasa keuangan yang terpercaya, melindungi kepentingan konsumen dan masyarakat, dan mampu mewujudkan industri jasa keuangan menjadi pilar perekonomian nasional yang berdaya saing global serta dapat memajukan kesejahteraan umum. To become a trusted Regulator of the financial services industry, protecting the interests of customer and the public, while creating the financial services industry as a pillar of the national economy that is globally competitive and promote public welfare. 6 Laporan Tahunan Otoritas Jasa Keuangan (OJK) 2016 Tentang OJK Fokus OJK 2016 Tinjauan Industri Tata Kelola dan Outlook dan Laporan Keuangan OJK at a Glance OJK Focus in 2016 Sektor Jasa Keuangan Manajemen Strategis Arah Strategis OJK 2017 OJK 2016 Overview of the Governance and Outlook and OJK Strategic OJK 2016 Financial Services Industry Strategic Management Direction in 2017 Financial Report Misi Mission • Mewujudkan terselenggaranya seluruh kegiatan di dalam sektor jasa keuangan secara teratur, adil, transparan, dan akuntabel; • Mewujudkan sistem keuangan yang tumbuh secara berkelanjutan dan stabil; • Melindungi kepentingan konsumen dan masyarakat. • To implement all financial services sector activities in a regulated, fair, transparent and accountable manner; • To safeguard sustainable and stable growth of the financial system; • To protect the interests of consumer and public. Indonesia Financial Services Authority 2016 Annual Report 7 Otoritas Jasa Keuangan (OJK) • Laporan Tahunan 2016 Logo OJK mengandung filosofi yang