Kajian UU No.15 Tahun 2002 tentang tindak pidana pencucian uang dalam kaitannya dengan penerapan prinsip Know Your Customer (KYC) dalam dunia perbankan

MEGAWATI, Santi Candra, Roedjiono, SH.,LLM

2004 | Tesis | S2 Ilmu Hukum (Hukum Bisnis)

Penelitian ini bertujuan untuk mengkaji UU No. 15 Tahun 2002 tentang Tidak Pidana Pencucian Uang dalam kaitannya dengan penerapan prinsip Know Your Customer (KYC) yang diterapkan dalam dunia perbankan dan untuk mengetahui kebijakan-kebijakan apa saja yang dikeluarkan oleh Bank Indonesia dalam mencegah digunakannya bank sebagai salah satu sarana pencucian uang. Metode pengumpulan data dilakukan melalui studi pustaka dan penelitian lapangan. Dilakukan pula wawancara dengan beberapa staff Bank Internasional Indonesia Cabang Yogyakarta yaitu KYC Officer, Bank Quality Assignment (BQA), Front Liner dan Wakil Pimpinan Cabang. Data yang diperoleh kemudian dianalisis secara kualitatif dan hasilnya disajikan secara deskriptif. Penelitian ini didasarkan kepada pendekatan yuridis normatif. Hasil penelitian menunjukkan bahwa bank sangat berpotensi untuk dijadikan sarana bagi pencucian uang, khususnya dalam tahap placement. Tindak Pidana Pencucian Uang atau Money Laundering harus ditangani secara serius sebab sampai saat ini negara Indonesia masih dimasukkan dalam Non-Cooperative Countries and Territories (NCCTs) oleh Financial Action Task Force on Money Laundering (FATF) Untuk menunjukkan keseriusan pemerintah Indonesia dalam memberantas tindak pidana pencucian uang maka pemerintah Indonesia mengeluarkan Undang-Undang Tindak Pidana Pencucian Uang, sementara Bank Indonesia sebagai otoritas tertinggi perbankan di Indonesia mengeluarkan Peraturan Bank Indonesia (PBI) dan Surat Edaran Bank Indonesia (SEBI) tentang Prinsip Know Your Customer. Hal ini dilakukan untuk menyeragamkan kegiatan anti money laundering melalui penerapan prinsip Know Your Customer di seluruh bank yang ada di Indonesia. Dengan mengenali nasabah dan transaksi keuangan mencurigakan yang dilakukannya diharapakan tindak pidana pencucian uang ini dapat dideteksi sedini mungkin sehingga akar kejahatan yaitu perdagangan obat terlarang, korupsi, terorisme dan lain-lain dapat juga diberantas.

The aim of this research is to analyze The Law No. 15/2002 about The Criminal Act of Money Laundering in Connection with The Implementation of Know Your Customer (KYC) That Implemented in A World of Banking and to encourage the policies stated by the Bank of Indonesia in preventing the use of bank as the medium of money laundering. The method of collection data performed through library research and field research. It was also through interview with the staff of Bank Internasional Indonesia, Yogyakarta Branch, those were KYC officer, Bank Quality Assignment (BQA), Front Liner and the representative head of branch. The data was analyze qualitatively and the research result was showed descriptively. The research was based on the normative judicial approach. The result of research showed that bank was very potencial to be the medium for money laundering, especially in a placement stage. The criminal act of money laundering shoud be handled seriously because till now Indonesia is including in a list of Non-Cooperative Countries and Territories (NCCTs) stated by the Financial Action Task Force on Money Laundering (FATF). To showed the seriousness of Indonesian Government stated The Law about The Criminal Act of Money Laundering. While, Bank of Indonesia as the highest banking otority in Indonesia also stated A Regulation of Bank of Indonesia and a Circular from Bank of Indonesia, that was about the principle of Know Your Customer (KYC). It has been done to standarlize the activity of anti-money laundering through te implementation of the principle of Know Your Customer (KYC) in all banks in Indonesia. Through encouraging the customer and the suspicious money transaction have been done, it was expected the criminal act of money laundering could be detected earlier, that was a basic of crime, such as the trade of drug, corruption, terrorism and so on, could be removed.

Kata Kunci : Hukum Perbankan,UU No15 Tahun 2002,Pencucian Uang,KYC, Money Laundering, Know Your Customer