Analisis metode customer due diligence berdasar peraturan bank indonesia nomor 11/28/pbi/2009 Tentang penerapan program anti pencucian Uang dan pencegahan pendanaan terorisme bagi bank umum

Oleh :
Nonie Kusuma dewi - E0006189 - Fak. Hukum

ABSTRAK Penelitian ini bertujuan untuk mengetahui mengenai pengaturan metode Customer Due Diligence dalam Peraturan Bank Indonesia Nomor 11/28/PBI/2009 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum, serta penggunaan metode Customer Due Diligence dalam program anti pencucian uang untuk mencegah aliran pendanaan terorisme. Penelitian ini merupakan penelitian normatif besifat preskriptif. Pendekatan penelitian yaitu menggunakan pendekatan perundang-undangan. Bahan hukum yang digunakan mencakup bahan hukum primer dan bahan hukum sekunder. Pendekatan penelitian yaitu menggunakan pendekatan perundang-undangan. Sumber penelitian hukum yaitu bahan hukum primer dan bahan hukum sekunder. Prosedur pengumpulan bahan hukum menggunakan studi kepustakaan. Pengolahan hasil dan analisa bahan hukum yaitu mengumpulkan bahan-bahan hukum, diuraikan dan dihubungkan sedemikian rupa, kemudian ditarik kesimpulan yang menjawab isu yang diajukan atau permasalahan yang telah dirumuskan. Berdasarkan hasil penelitian dan pembahasan dihasilkan simpulan, Berdasar Peraturan Bank Indonesia Nomor 11/28/PBI/2009 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum, Customer Due Diligence merupakan kegiatan berupa identifikasi, verifikasi, dan pemantauan yang dilakukan bank untuk memastikan bahwa transaksi tersebut sesuai dengan profil nasabah, dimana dalam penerapannya didasarkan pada Unit Kepatuhan; Penerapan form Customer Due Diligence, identifikasi Suspicious Transaction Report dan Cash Transaction Report serta Pelaporannya; Pendidikan dan pelatihan anggota Bank Umum mengenai Customer Due Diligence, Pemberantasan Pencucian Uang dan Pencegahan Pendanaan Terorisme; serta Kebijakan Internal Customer Due Diligence. Secara normatif, metode Customer Due Diligence dalam Peraturan Bank Indonesia No 11/28/PBI/2009 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum mampu menjadi salah satu upaya pencegah terhadap pendanaan terorisme di Indonesia jika tahapan pelaksanaan Customer Due Diligence dilakukan secara benar dan serius oleh Bank Umum baik dari segi tertib administrasi maupun tertib pelaksanaannya. Kata kunci : Metode Customer Due Diligence, Pendanaan Terorisme This research aims to find out the regulation of Due Diligence Method based on Indonesian Bank’s Regulation Number 11/28/PBI/2009 about The Application of Anti-Money Laundering Program and Terrorism Funding Prevention for the Public Bank, as well as the use of Customer Due Diligence in anti-money laundering program to prevent the terrorism funding flow. This study belongs to a normative research that is prescriptive in nature. The research approach employed statutory approach. The law material used including primary and secondary law material. The research approach employed was statutory approach. The law research source was primary and secondary law materials. The procedure of collecting law material used was library study. The data obtained was the analyzed, so that it can be drawn on a conclusion that can answer the issue proposed or the problem formulated. Considering the result of research and discussion, it can be concluded that, based on Indonesian Bank’s Regulation Number 11/28/PBI/2009 about The Application of Anti-Money Laundering Program and Terrorism Funding Prevention for the Public Bank, Customer Due Diligence is an activity of identifying, verifying and monitoring by the bank to ensure that the transaction is consistent with the customer profile, in the application of which is based on the Compliance unit; Customer Due Diligence form application, Suspicious Transaction Report and Cash Transaction Report identification as well as its reporting; Education and training for the Public Bank Member about the Customer Due Diligence, Eradication of Money Laundering and Terrorism Funding Prevention, as well as Customer Due Diligence internal policy. Normatively the Customer Due Diligence in Indonesian Bank’s Regulation Number 11/28/PBI/2009 about The Application of Anti-Money Laundering Program and Terrorism Funding Prevention for the Public Bank can serve as one of attempt to prevent the terrorism funding in Indonesia if the implementation procedure of Customer Due Diligence is done correctly and seriously by public Bank from both the administration and implementation orderliness aspects. Keywords: Customer Due Diligence, Terrorism Funding