PENGUATAN KEBIJAKAN ANTI PENCUCIAN UANG DALAM MENANGGULANGI JUDI ONLINE: ANALISIS MULTI-REGULATOR DI INDONESIA

Samsul Samsul, Edy Nurcahyo, Nurvelina Nurvelina

Abstract


Perkembangan teknologi digital telah mendorong meningkatnya praktik judi online di Indonesia yang bersifat kompleks, anonim, dan lintas yurisdiksi. Kondisi ini menuntut adanya pendekatan penanggulangan yang tidak hanya berfokus pada pelaku, tetapi juga pada aspek ekonomi kejahatan. Penelitian ini bertujuan untuk menganalisis pengaturan hukum kebijakan anti pencucian uang dalam penanggulangan judi online serta merumuskan konstruksi hukum ideal melalui pendekatan multi-regulator. Metode yang digunakan adalah penelitian hukum normatif dengan pendekatan perundang-undangan, konseptual, dan analitis, melalui studi kepustakaan terhadap bahan hukum primer dan sekunder. Hasil penelitian menunjukkan bahwa secara normatif Indonesia telah memiliki kerangka hukum tindak pidana pencucian uang (TPPU) yang cukup kuat. Namun, implementasinya dalam penanggulangan judi online masih belum optimal. Hal ini disebabkan oleh belum tegasnya pengaturan judi online sebagai tindak pidana asal (predicate crime), disharmonisasi antar regulasi, serta tumpang tindih kewenangan dalam pendekatan multi-regulator. Selain itu, perkembangan teknologi finansial turut memperumit proses pelacakan aliran dana hasil kejahatan. Penelitian ini menemukan bahwa penguatan kebijakan anti pencucian uang perlu dilakukan melalui harmonisasi regulasi, penguatan koordinasi antar lembaga, serta pemanfaatan teknologi dalam penegakan hukum. Model multi-regulator yang terintegrasi dengan pembagian kewenangan yang jelas dan sistem informasi yang terpadu menjadi kunci dalam meningkatkan efektivitas kebijakan. Selain itu, optimalisasi asset recovery sebagai instrumen utama juga penting untuk memberikan efek jera dan memulihkan kerugian negara.

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