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All Journal Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Jurnal Asy-Syari'ah Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum INDONESIAN JOURNAL OF CRIMINAL LAW STUDIES Al-Mazaahib: Jurnal Perbandingan Hukum Pancasila: Jurnal Keindonesiaan Dharma Sevanam : Jurnal Pengabdian Masyarakat ISJOUST el hisbah: Journal of Islamic Economic Law AML/CFT Journal The Journal of Anti Money Laundering and Countering the Financing of Terrorism Al-Hukama: The Indonesian Journal of Islamic Family Law
Pratami, Bunga Desyana
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Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Neuroscience Social Sciences Other

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Penerapan Prinsip Mengenali Pengguna Jasa oleh Notaris dalam Pencegahan Tindak Pidana Pencucian Uang Pratami, Bunga Desyana
AML/CFT Journal : The Journal Of Anti Money Laundering And Countering The Financing Of Terrorism Vol 4 No 1 (2025): Pencucian Uang dan Pendanaan Terorisme: Risiko, Teknologi, dan Regulasi
Publisher : Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59593/amlcft.2025.v4i1.234

Abstract

Notaries often handle high-value transactions that may be exploited for illicit purposes. Accordingly, notarial application of the Know Your Customer (KYC) principle is a key element of Indonesia’s anti–money laundering and counter–terrorist financing (AML/CTF) framework. This study examines how notaries implement KYC and identifies factors affecting compliance with the submission of suspicious transaction reports (STRs) via the GoAML platform. A socio-legal design with qualitative methods was employed, combining primary evidence from surveys and in-depth interviews with notaries in an anonymized jurisdiction and secondary materials from relevant laws and scholarly literature. The results show uneven levels of knowledge, comprehension, attitudes, and legal conduct among notaries in applying KYC obligations. Although the regulatory basis is in place, implementation remains constrained by limited technical capacity, administrative workload, and the persistently low volume of STR reporting. These findings point to a continuing disconnect between formal requirements and field-level practice. The study highlights the importance of sustained capacity-building, more effective oversight, and stronger coordination among government agencies, professional associations, and legal education institutions to enhance KYC implementation and strengthen the AML/CTF regime.
Mosques as Catalysts for Islamic Financial Inclusion: Evidence from Branchless Banking Implementations Sofiani, Trianah; bin Ahmad, Shofian; Pratami, Bunga Desyana; Suhendar, Heris
Asy-Syari'ah Vol. 27 No. 2 (2025): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v27i2.48309

Abstract

Islamic financial inclusion in Indonesia remains relatively low among the unbanked and underbanked populations, who have limited access to formal banking services. This condition necessitated Bank Syariah Indonesia to introduce a branchless banking initiative, known as BSI Smart, which is integrated with mosques to expand equitable access to Islamic financial services. Therefore, this study aimed to analyze the effectiveness of implementing a branchless banking policy integrated with mosques to increase Islamic financial inclusion. The analysis adopted qualitative methods, collecting data through interviews and questionnaires. Interviews were conducted with 10 informants selected purposively. Questionnaires were further administered to 100 respondents in rural areas and 100 in urban areas who were randomly selected. Correlating with the theories of Edwards and Metter-Horn, this study showed that implementing branchless banking policy through mosques remained ineffective due to inaccurate targeting, limited facilities and infrastructure, suboptimal communication, and the community's socio-economic conditions, which tended to favor informal financial institutions. The novelty of the analysis lay in the integration of mosques as centers for Islamic financial literacy and education, directly connected to BSI Smart agents. This allowed mosques to serve as places of worship and centers of economic empower­ment for the community. Additionally, the model had the potential to become a new strategy in expanding the reach of Islamic banking that was more inclusive, sustainable, and in accordance with Islamic principles.
Co-Authors Akhmad Jalaludin, Akhmad Arditya Prayogi Azami, Muhammad Fairuz Hasan Bin Ahmad, Shofian Christia, Adissya Mega Fifink Praiseda Alviolita Heris Suhendar, Heris Iqbal Kamalludin Luluardi, Yunas Derta Minarsih Minarsih Mohamad Tohari, Mohamad Nabila, Nurma Putri, Delasari Krisda Ratna Intan, Sri Ratu Suseno, Jarot Jati Bagus Syarifa Khasna Trianah Sofiani Umar, Achmad Jauhari Widiastuti, Rizqiyani Syifa Yanuar, Itsna Muna Yaqin, Alamul