Pemerintah Republik Indonesia dalam upayanya mencegah terjadinya Tindak Pidana Pencucian Uang dan pendanaan terorisme ( TPPU/TPPT ) yang terjadi di Lembaga Keuangan Non Bank mengeluarkan aturan PMK No.30/PMK.010/2010 tentang Prinsip Mengenal Nasabah bagi Lembaga Keuangan Non Bank, aturan ini pada dasarnya menganut rekomendasi Financial Action Task Force ( FATF ) yang dikenal sebagai standar internasional anti pencucian uang dan pendanaan terorisme, dalam rekomendasinya FATF memperkenalkan mekanisme Customer Due Diligence ( CDD ) dengan memanfaatkan pendekatan resiko ( Risk Based Approach ), dimana aturan CDD ini membagi langkah kebijakan verifikasi dan identifikasi berdasarkan kriteria tertentu yang dimiliki nasabah, CDD sederhana bagi nasabah yang dinilai beresiko rendah, CDD standar bagi nasabah yang berisiko standar dan CDD lebih ketat bagi Nasabah dengan resiko tinggi, pembagian kriteria ini dibentuk Pemerintah Republik Indonesia dengan pendekatan kepada iklim bisnis yang sedang berkembang di Indonesia, sehingga selain membuat sistem hukum lembaga pembiayaan indonesia diakui menganut ketentuan pencegahan TPPU/ TPPT yang berlaku secara internasional, ketentuan ini juga membantu para pelaku usaha dalam menerapkan mekanisme CDD yang lebih mudah dan adil bagi nasabah. Pada tahap transisi penerapan aturan CDD ini, para pelaku usaha dapat dinilai taat dalam menerapkan ketentuan CDD terbaru, hal tersebut dapat dilihat dari sedikitnya sanksi yang diberikan atas dilanggarnya PMN selama tahun 2013.

Indonesia's government on its effort to prevent money loundering and terrorist financing in non bank financial institutions are issuing PMK No.30/PMK.010/2010 about Know Your Customer Principle for Non Bank Financial Institutions, this regulation essentially refer to the recommendation of Financial Action Task Force ( FATF) which known as the global anti-money laundering (AML) and counter-terrorist financing ( CFT) standard, on its recommendation FATF introduce new Customer Due Diligence ( CDD ) mechanism who utilize Risk Based Approach ( RBA), CDD devide their policy for identificate and verify its customer by several criteria, Simplified CDD for a low risk customer, standard CDD for a a standard risk customer and stricter CDD for a higher risk customer, those criteria made by Indonesia's goverment within approach to bussiness development which happened in indonesia's non bank financial institutions, so that in addition to makes indonesian financial law recognized refer to global AML and CFT standard, this regulation helps financing institutions to apply CDD mechanism with easier and fairer way for customer. On the transitional stage of the application of this regulation from the old to the new one, Indonesian financing institutions can be assessed obidient on applying this regulation, it is can be seen from the least sanctions that given from the breach of this regulation during the year of 2013.

Kata Kunci : Customer Due Diligence, Prinsip Mengenal Nasabah