Prinsip mengenal nasabah pada perbankan guna mencegah terjadinya tindak pidana pencucian uang pada bank central asia dan bank secrecy act
Info Katalog
File Repositori
Subyek : BANKING LAW – INDONESIA;MONEY LAUNDERING
Penerbit : FH - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2025
Pembimbing 1 : Eriyantauw Wahid
Kata Kunci : money laundering, know your customer principles
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2025_TS_MHK_110012300068_Halaman-Judul.pdf | 8 | |
| 2. | 2025_TS_MHK_110012300068_Lembar-Pengesahan.pdf | ||
| 3. | 2025_TS_MHK_110012300068_Bab-1.pdf | 35 | |
| 4. | 2025_TS_MHK_110012300068_Bab-2.pdf |
|
|
| 5. | 2025_TS_MHK_110012300068_Bab-3.pdf | 4 |
|
| 6. | 2025_TS_MHK_110012300068_Bab-4.pdf |
|
|
| 7. | 2025_TS_MHK_110012300068_Bab-5.pdf | 14 | |
| 8. | 2025_TS_MHK_110012300068_Daftar-Pustaka.pdf | 7 | |
| 9. | 2025_TS_MHK_110012300068_Lampiran.pdf |
|
( (E) Tesis ini membahas Penerapan Prinsip Mengenal Nasabah (KYC) di Indonesia diatur secara komprehensif dalam berbagai regulasi, terutama dalam Undang-Undang Nomor 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang (UU TPPU). Undang-undang ini menegaskan kewajiban lembaga keuangan, termasuk perbankan, untuk menerapkan prinsip kehati-hatian dalam mengenali dan memantau transaksi nasabah. Peraturan Otoritas Jasa Keuangan (POJK), seperti POJK No. 12/POJK.01/2017 tentang Penerapan Program APU dan PPT di Sektor Jasa Keuangan, menjadi pedoman teknis dalam pelaksanaan KYC di lapangan . Bank Indonesia juga mengeluarkan ketentuan terkait uji tuntas nasabah dan pelaporan transaksi keuangan mencurigakan yang wajib dipatuhi oleh seluruh institusi keuangan. Regulasi-regulasi ini menjadi kerangka hukum yang kuat dalam menekan ruang gerak pelaku pencucian uang melalui jalur perbankan. Bank Central Asia (BCA), sebagai salah satu bank swasta terbesar di Indonesia, memiliki tanggung jawab besar dalam menerapkan prinsip mengenal nasabah (KYC) yang efektif. Implementasi KYC di BCA mencakup berbagai mekanisme, seperti Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) untuk nasabah berisiko tinggi, pelaporan transaksi mencurigakan (STR), dan pemantauan secara terus menerus semua dijalankan di bawah pengawasan OJK, PPATK, dan audit internal. Salah satu Bank di Amerika Serikat yaitu Bank Secrecy Act (BSA), sejak tahun 1970 menerapkan (KYC) sebagai salah satu regulasi utama dalam memerangi pencucian uang. BSA mengharuskan institusi keuangan untuk melaporkan aktivitas keuangan yang mencurigakan melalui Suspicious Activity Report (SAR) dan menyimpan dokumentasi transaksi dalam jangka waktu tertentu. BSA memperkenalkan konsep Customer Identification Program (CIP) dan Customer Due Diligence (CDD) yang mewajibkan lembaga keuangan untuk melakukan verifikasi identitas nasabah secara menyeluruh.
T This thesis discusses the implementation of Know Your Customer (KYC) principles in Indonesia, which is comprehensively regulated in various regulations, particularly in Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering Crimes (UU TPPU). This law emphasizes the obligation of financial institutions, including banks, to apply the principle of prudence in identifying and monitoring customer transactions. Financial Services Authority Regulations (POJK), such as POJK No. 12/POJK.01/2017 concerning the Implementation of AML and CFT Programs in the Financial Services Sector, serve as technical guidelines for implementing KYC in the field. Bank Indonesia also issued provisions regarding customer due diligence and reporting of suspicious financial transactions that must be complied with by all financial institutions. These regulations provide a strong legal framework in suppressing the room for money launderers to maneuver through banking channels. Bank Central Asia (BCA), as one of the largest private banks in Indonesia, has a significant responsibility in implementing effective Know Your Customer (KYC) principles. KYC implementation at BCA includes various mechanisms, such as Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) for high-risk customers, suspicious transaction reporting (STR), and continuous monitoring, all carried out under the supervision of the Financial Services Authority (OJK), Financial Transaction Reports and Transaction Reports (PPATK), and internal audit. One of the banks in the United States, namely the Bank Secrecy Act (BSA), since 1970, has implemented KYC as one of the main regulations in combating money laundering. The BSA requires financial institutions to report suspicious financial activity through a Suspicious Activity Report (SAR) and retain transaction documentation for a certain period. The BSA introduced the concept of the Customer Identification Program (CIP) and Customer Due Diligence (CDD), which requires financial institutions to thoroughly verify customer identities Comprehensive.