Implementasi Customer Due Dilligence Dan Enhanced Due Dilligence Dalam Mencegah Tindak Pidana Pencucian Uang

AuthorSatrio Sakti Nugroho
PositionGedung K1 Lantai 1 FH Unnes Kampus Sekaran, Gunungpati, Semarang, 50229
Pages48-54
48
ULJ 3 (1) (2014)
UNNES LAW JOURNAL
http://journal.unnes.ac.id/sju/index.php/ulj
IMPLEMENTASI CUSTOMER DUE DILLIGENCE DAN ENHANCED DUE
DILLIGENCE DALAM MENCEGAH TINDAK PIDANA PENCUCIAN UANG
Satrio Sakti Nugroho
Program Studi Ilmu Hukum, Fakultas Hukum, Universitas Negeri Semarang, Indonesia
Info Artikel
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Sejarah Artikel:
Diterima April 2014
Disetujui Mei 2014
Dipublikasikan Juni 2014
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Keywords:
Customer Due Dilligence;
Enhanced Due Dilligence;
Money Laundry
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Abstrak
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Pemerintah dan Bank Indonesia membuat peraturan terkait dengan program Anti Pencucian Uang yang memuat prinsip mengenali
pengguna jasa/Customer Due Dilligence yang kemudian diperluas oleh Bank Indonesia dengan prinsip mengenali pengguna jasa lebih
mendalam/Enhanced Due Dilligence. Pelaksanaan Customer Due Dilligence dan Enhanced Due Dilligence serta pengawasan dari perbankan
dan Bank Indonesia perlu untuk diketahui sebagai upaya pencegahan tindak pidana pencucian uang. Metode penelitian yang
digunakan a dalah dengan pendekatan kualitatif, jenis penelitian yuridis sosiologis, pengambilan data dilakukan dengan teknik
wawancara dan dokumentasi. Analisis data dilakukan dengan deskriptif kualitatif. Hasil penelitian ini menunjukkan bahwa
implementasi Customer Due Dilligence dilakukan pada saat calon nasabah membuka rekening, adanya transaksi mencurigakan,
transaksi tunai lebih dari atau sama dengan Rp 500.000.000,00, dan pihak bank meragukan kebenaran informasi pengguna jasa.
Enhanced Due Dilligence dilakukan pada calon nasabah Politi cally Exposed Person saat membuka rekening. Pengawasan internal bank
saat pengguna jasa melakukan hubungan usaha, dual checking dan register tersendiri bagi Politically Exposed Person, pelaporan transaksi
mencurigakan dan transaksi tunai, pembagian kewenangan pegawai, adanya pelatihan bagi pegawai terkait tindak pidana pencucian
uang, dan terdapat pengkinian data nasabah. Pengawasan Bank Indonesia dengan membuat aturan terkait Tindak Pidana Pencucian
Uang dan mengawasi pelaksanaannya. Simpulan dari penelitian adalah Customer Due Dilligence diimplementasikan pada saat
melakukan hubungan usaha dengan pengguna jasa. Customer Due Dilligence tidak diimplementasikan pada saat transaksi dengan Walk
In Customer dengan nominal lebih dari atau sama dengan Rp 100.000.000,00. Enhanced Due D illigence diimplementasikan pada saat
melakukan hubungan usaha dengan Politically Exposed Person, namun tidak dilakukan Enhanced Due Dilligence untuk keluarga Politically
Exposed Person. Pengawasan bank dilakukan pada saat melakukan hubungan usaha dengan mapping wilayah, pembagian kewenangan
pada pegawai, pelaporan transaksi mencurigakan dan transaksi tunai. Namun tidak dil akukan pengawasan bagi non nasabah.
Pengawasan Bank Indonesia terkait dengan Program Anti Pencucian Uang yaitu membuat aturan terkait Customer Due Dilligence dan
Enhanced Due Dilligence dan mengawasi pelaksanaanya.
Abstract
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Indonesian government and Bank Indonesia made a regulation of anti money laundry in order to prevent any money laundry done by person using
banking facilities. Those regulation accomodate a principle of knowing the customer/Customer Due Dilligece broaden by Bank Indonesia by further
knowing the customer/Enhanced Due Dilligence. Implementation of Customer Due Dilligence, Enhanced Due Dilligence, and the supervision of both
by the banking and Bank Indonesia are important to be understood as a prevention of money laundry. The aim of this study is describing the
implementation of Customer Due Dilligence, Enhanced Due Dill igence, and the i nternal supervision done by branch office of BRI Semarang
Pandanaran and Bank Indonesia supervision of anti money laundry program. Research method used by researcher was qualitative approach on
sociological jurisprudence, data compilation was done by interview and documentations review, and the data analized by a qual itative dercriptive
analizing. This study shows that Customer Due Dilligence was done when customer decided to open a bank account, a suspicious transaction, more
than Rp 500.000.000,00 cash transaction, and an enquiry of customer valid information. Enhanced Due Dilligence was done when Politically exposed
prospective customer open a bank account. Internal supervision was done on enterprise relation, Pol itically Exposed Person registration and dual
checking, suspicious transaction report, authority apportionment, and update on customer data. Bank Indonesia supervision was done by establishing
regulation related to anti money laundering and supervise the implementation. Conclusion of this r esearch is Customer Due Dilligence implemented
on enterprise relation with customer. Customer Due Dill igence was not implemented for Walk In Customer by transaction more than Rp
100.000.000,00. Enhanced Due Dilligence implemented in enterprise relation with Politically Exposed Person, but not implemented on Politically
Exposed Person’s family. Bank supervision implemented on enterprise relation by area mapping, authority apportionment, and suspicious transaction
report, but there was no implementation on Walk in Customer. Bank Indonesia supervision was done by establishing regulation related to anti money
laundering and supervise the implementation.
© 2014 Universitas Negeri Semarang
Gedung K1 Lantai 1 FH Unnes
Kampus Sekaran, Gunungpati, Semarang, 50229
E-mail: fh@unnes.ac.id
ISSN 2301-6744

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