OPTIMIZING THE KNOW YOUR CUSTOMER PRINCIPLE IN THE CASE OF MONEY LAUNDRY THROUGH THE ROLE OF BANKING FROM ISLAMIC LAW PERSPECTIVE

Wahyu Sabrudin, Triono Eddy, Adi Mansar

Abstract


This research was conducted because one of the issues that has not provided legal certainty is related to buying and selling accounts in money laundering cases, where criminals aim to hide assets so as not to be detected by law enforcement. This case of buying and selling accounts often occurs in Indonesia. Even though buying and selling accounts is illegal This type of research is a normative juridical research using secondary data by processing data from primary legal materials, secondary legal materials and tertiary law. Based on the results of the study, it can be seen that Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering has not been able to take into account the act of buying and selling bank accounts. The Bank as an institution that issues customer accounts has measures to prevent misuse of accounts issued under Bank Indonesia Regulation No. 14/27/PBI/2012 concerning the Implementation of Anti-Money Laundering and Countering Terrorism Financing Programs for Commercial Banks, namely the Active Supervision of the Board of Directors and the Board of Commissioners, the Bank is required to have policies and procedures in carrying out its business activities,  The Bank is required to verify the prospective customer's documents, and the Bank may close the business relationship or reject the customer's transaction. From this description, it can be concluded that the use of legal instruments, including criminal law, to overcome social problems is part of the realm of law enforcement policy. In addition, because the goal is to achieve the general welfare of the community, this law enforcement policy is also included in the field of social policy, which is all reasonable efforts to achieve public welfare.


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