SISTEM PENGAWASAN PENEGAKAN HUKUM TINDAK PIDANA PENCUCIAN UANG PADA SEKTOR PERBANKAN (STUDI KASUS PT BANK PEMBANGUNAN DAERAH JAMBI)

Abstract

Money laundering is a follow-up crime aimed at concealing or disguising the origin of assets
derived from criminal activities. Based on Undang-Undang Nomor 8 Tahun 2010 tentang
Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang, the banking sector is required
to implement supervisory systems, the prudential banking principle, and reporting of suspicious
financial transactions. However, in practice, the implementation of supervisory systems in
preventing money laundering still faces various obstacles. This study aims to analyze: 1.The
role of supervision at PT Bank Pembangunan Daerah Jambi in the law enforcement of money
laundering crimes 2.The obstacles encountered in the implementation of the supervisory
system; and 3.The efforts undertaken to strengthen the supervisory system. This research uses
a sociological juridical approach with a descriptive analytical method. Primary data were
obtained through interviews, while secondary data were collected through document studies.
Data were analyzed qualitatively. The results of the study indicate that: 1.PT Bank
Pembangunan Daerah Jambi has implemented the prudential banking principle, Customer Due
Diligence (CDD), and reporting of suspicious transactions to the Financial Transaction Reports
and Analysis Center (PPATK). However, its implementation still faces 2.Several obstacles,
including limited human resources, regulatory complexity, bank secrecy, and the development
of technology based money laundering methods. 3.Therefore, strengthening human resource
competencies and integrating supervisory systems are necessary to improve the effectiveness
of law enforcement against money laundering crimes.