Pelaksanaan Prinsip Mengenal Nasabah oleh Bank dalam Pencegahan Money Laundering

HAMID, Abdul, Prof.Dr. Nindyo Pramono, SH.,MS

2007 | Tesis | S2 Ilmu Hukum (Hukum Bisnis)

Dalam menghadapi persaingan usaha, setiap Bank senantiasa berupaya untuk meningkatkan layanan melalui pengembangan beragam produk dan jasa perbankan yang ditunjang dengan penggunaan teknologi terkini dengan mempertimbangkan kenyamanan nasabah. Hal ini dilakukan guna menarik lebih banyak nasabah yang pada akhirnya mendatangkan keuntungan bagi Bank. Namun kenyataannya, diantara nasabahnasabah setia, masih terdapat pihak-pihak yang beritikad buruk, menggunakan produk dan jasa perbankan untuk tindak kejahatan/pidana. Hal ini tentu menimbulkan kerugian bagi Bank, mulai dari kerugian berupa reputasi buruk, sanksi (hukum dan denda), hingga hilangnya potensi keuntungan. Salah satu tindak pidana yang sering menggunakan sarana produk dan jasa perbankan adalah tindak pidana Pencucian Uang (Money Laundering). Berdasarkan hasil penelitian, tindak pidana Pencucian Uang telah menimbulkan kerugian yang sangat signifikan, bahkan membawa pengaruh sangat buruk bagi berbagai sektor kehidupan. Guna mengatasi masalah ini, telah dibentuk berbagai kelompok kerja (working group), salah satu yang paling berpengaruh adalah Committee on Banking Regulations and Supervisory Practices (Basel Committee) dan Financial Action Task Force on Money Laundering (FATF). Kedua kelompok kerja tersebut berhasil mengidentifikasi bahwa untuk pencegahan digunakannya Bank sebagai sarana dan sasaran tindak pidana pencucian uang adalah melalui penerapan Prinsip Mengenal Nasabah secara konsisten. Penelitian ini dilakukan untuk melanjutkan penelitian terdahulu dengan tujuan untuk mengetahui bagaimana pelaksanaan Prinsip Mengenal Nasabah oleh Bank dalam pencegahan Money Laundering.

Facing work competitions, Banks always try to develop their services through the developments of various products and Banks’ merits. Supporting such services, Banks are now supported by the usage of up to date technology by considering the customers’ comfort. Banks do such cases in order to gain more customers, however it will give Banks profit in the end. As the matter of fact, among the loyal Banks’ customers are still certain sides that have foul conviction, using the products and Banks’ services to break the law. It is of course, makes suffer financial lose for Banks, such as nasty reputation, sanctions, (law and fine) even, suffer from a financial lose of potential profit. One of those criminal actions that often use Banks’ services is money laundering. Based on the research outcome, criminal law on money laundering has caused a significant suffer financial lose, even it takes a very bad effect to any sides of lives. To overcome this matter, there are working groups assigned. Both of the most effective working groups are Committee on Banking Regulations and Supervisory Practices, called Basel Committee. In addition, Financial Action Task Force on Money Laundering, called FATF. Both of the work groups are successfully having identification on prevention of using Banks as media and criminal target for money laundering by applying of Know Your Customer Principle consistently. This action research is to continue the previous research for its purpose is to know how the implementation of Know Your Customer Principle by Banks to avoid Money Laundering is.

Kata Kunci : Hukum Perbankan,Money Laundry,Prinsip Mengenal Nasabah,Banks, Customers, Money Laundering, Know Your Customer Principle