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All Journal Analisis: Jurnal Studi Keislaman Auladuna Kanz Philosophia: A Journal for Islamic Philosophy and Mysticism Jurnal Pendidikan Agama Islam (Journal of Islamic Education Studies) TA'DIBUNA: Jurnal Pendidikan Agama Islam Risâlah, Jurnal Pendidikan dan Studi Islam Studia Religia: Jurnal Pemikiran dan Pendidikan Islam al-Afkar, Journal For Islamic Studies Aqlam: Journal of Islam and Plurality Kuttab: Jurnal Ilmu Pendidikan Islam Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Tawazun: Jurnal Pendidikan Islam JISIP: Jurnal Ilmu Sosial dan Pendidikan Satwika : Kajian Ilmu Budaya dan Perubahan Sosial Edugama: Jurnal Kependidikan dan Sosial Keagamaan Kaca (Karunia Cahaya Allah) : Jurnal Dialogis Ilmu Ushuluddin Jurnal Ilmiah Munaqasyah Instructional Development Journal Jurnal Ilmiah Edunomika (JIE) Pangea : Wahana Informasi Pengembangan Profesi dan Ilmu Geografi Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Bidayah: Studi Ilmu-Ilmu Keislaman Community Development Journal: Jurnal Pengabdian Masyarakat At-Tajdid : Jurnal Pendidikan dan Pemikiran Islam Journal of Research and Thought on Islamic Education (JRTIE) Intelegensia : Jurnal Pendidikan Islam Tsaqafatuna: Jurnal Ilmu Pendidikan Islam Journal of Nahdlatul Ulama Studies DIMAR: Jurnal Pendidikan Islam SHAKHSIYAH BURHANIYAH : Jurnal Penelitian Hukum Islam EduLine: Journal of Education and Learning Innovation Jurnal Pengabdian Masyarakat (ABDIRA) Ar-Rasyid: Jurnal Pendidikan Agama Islam Jurnal Kependidikan Islam el-Buhuth: Borneo Journal of Islamic Studies PEKERTI Journal Pendidikan Agama Islam & Budi Pekerti KOLONI Indonesian Research Journal on Education Jurnal Cendekia : Media Komunikasi Penelitian dan Pengembangan Pendidikan Islam Law and Justice JOIES (Journal of Islamic Education Studies) Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Inspirasi: Jurnal Pengabdian Masyarakat Journal of Shariah Economic Law Journal of Innovation and Research in Agriculture MUNAQOSYAH : Jurnal Ilmu Pendidikan dan Pembelajaran Jurnal KACA Eduprof Al-Hayat: Journal of Islamic Education Cendekia: Media Komunikasi Penelitian dan Pengembangan Pendidikan Islam Jurnal Tarbiyatuna Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman
Iksan Iksan
Universitas Islam Negeri Sunan Ampel Surabaya
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Journal : Law and Justice

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Implementation of Know Your Customer Principle in Banking Practices at Bank BNI 46 Bima Branch Miskun, Miskun; Iksan, Iksan; Kasmar , Kasmar; Taufik Firmanto; Ainun Wulandari; Masrin, Masrin; Sahidah, Sahidah; Nastion, Nastion
Law and Justice Vol. 8 No. 2 (2023): Law and Justice
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/laj.v8i2.2135

Abstract

Artikel ini merupakan penelitian hukum yang menganalisis penerapan prinsip mengenal nasabah (know your customer) dalam praktik perbankan, hal ini sangat penting dilakukan untuk dapat mengidentifikasi transaksi yang mencurigakan sejak dini, dan meminimalkan berbagai risiko, seperti risiko operasional, risiko hukum, risiko transaksi terkonsentrasi, dan risiko reputasi. Metode yang digunakan dalam penelitian ini adalah metode penelitian hukum empiris, dengan mengambil lokus di Bank BNI 46 Cabang Bima. Temuan baru yang ditemukan dari penelitian ini adalah pelanggaran terhadap prinsip kerahasiaan di mana bank diizinkan untuk mengetahui identitas nasabah terkait dengan profil dan karakter transaksi nasabah. Hasil dan pembahasan menunjukkan bahwa Bank BNI 46 Cabang Bima menerapkan Prinsip know your customer. Aturan Know Your Customer sebagaimana tercantum dalam PBI Nomor 3/10/PBI/2001 yang kemudian diubah oleh Bank Indonesia Mengenai Penerapan Prinsip dengan Peraturan Bank Indonesia Nomor 5/21/PBI/2003 Mengenai Perubahan Kedua atas Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tentang Penerapan Prinsip Kenal Nasabah. Dalam menerapkan prinsip mengenal nasabah, bank dapat mencurigai transaksi yang diduga berasal dari hasil kejahatan, seperti penyelundupan uang, suap, tindak pidana korupsi, penyelundupan tenaga kerja, dan kejahatan perbankan. Selain itu, transaksi keuangan yang menyimpang dari profil, karakteristik, atau kebiasaan pola transaksi nasabah perusahaan juga patut dicurigai. Kesimpulannya, prinsip mengenal nasabah (know your customer principle) adalah salah satu prinsip penting dalam dunia perbankan dan keuangan, yang telah diimplementasikan oleh Bank BNI 46 Cabang Bima mengacu pada kebijakan dan prosedur yang diterapkan oleh lembaga keuangan untuk memastikan identitas dan karakteristik nasabah sebelum memberikan layanan keuangan kepada mereka. Namun, hal ini justru bertentangan dengan tradisi kerahasiaan antara bank dan nasabahnya, yang menjadi pilar utama membangun hubungan kepercayaan antara bank dan nasabahnya.     This article is a legal research that analyzes the application of the principles get to know customers (know your customer ) in banking practice, this is very important to do to be able to identify transactions early suspicious, and minimize various risks, such as operational risk, legal risk, risk of concentrated transactions, and reputation risk. The method used in this research is an empirical legal research method, by taking the locus at BNI 46 Bima branch. novelty What is found from this research is a violation of the principle of confidentiality where the bank is allowed to know the identity of the customer related to the profile and the character of the Customer's transaction. The results and discussion show that BNI has 46 Bima branches apply Know Your Customer Principles. Know Your Customer Rules as set forth in PBI Number 3/10/PBI/2001 which was later amended by Bank Indonesia Concerning Application of Principles with Bank Indonesia Regulation Number 5/21/PBI/2003 Concerning the Second Amendment to Bank Indonesia Regulation Number 3/10/PBI/ 2001 concerning Application of Know Your Customer Principles . In implementing the principle of knowing your customer, banks can suspect transactions that are suspected of originating from the proceeds of crime, for example money smuggled, bribery, corruption crimes, labor smuggling, banking crimes. In addition, financial transactions that deviate from the profiles, characteristics or habits of the company's customer transaction patterns are also suspect. In conclusion, the principle of knowing your customer (know your customer principle) is one of the important principles in the world of banking and finance, which has been implemented by Bank BNI 46 Bima Branch referring to the policies and procedures implemented by financial institutions to ensure the correct identity and characteristics of their customers before provide financial services to them. However, this is precisely the opposite of the tradition of secrecy between the bank and its customers, which is the main pillar for building a trusting relationship between the bank and its customers.
Co-Authors Abdul Basith Abdul Majid Abdul Muhid, Abdul Abdullah Muwaffaq Abdullah Syakur Novianto Abdur Rachman Adawiyah, Robbi Atul Adjam, Syarifuddin Ahmad Ali Mashudi Ainiyah , Fifrida Silvia Qurrotul Ainun Wulandari Ainy, Qurrotul Amir Hamzah Anis Saidah Anwar Kadafi ARDIANSYAH ARDIANSYAH Arsyillah, Berlian Tahta Asma Amelia Asriany Asriany, Asriany Aulia , Anisa Rahma Celine, Devi Rofidah Choirunnisa , Laili Dawi Farah Adibah Dinar, Dinar Dinnisa’, Zukhruf Dwinawanti, Dyna Esthi Egidia syafitri Eva Nunung Husna Farizy , Moh. Zidan Al Fauzi , Ria Riski Firdah Ni’matus Sholihah Firdasari, Auliya Adiba Rahma Firdaus, Muchammad Shabrino Yafuza Firman, Imran Firmanto, Taufik Hajar, Salwa Hamidah , Nabila Nur Hanim, Muhammad Ismail Hanun Asrohah Haq, Rizkarina Zahrul Harti, Adi Oksifa Rahma Hasanah , Febby Nur Humayroh, Riza Husniyatus Salamah Zainiyati Ibrahim Halim, Ibrahim Iftita Annur Iksan Ilmiawan Ilmiawan, Ilmiawan Irawan, M. Izudin Fathin Alfian Irham, Ananda Salsabiila Istiqomah, Nur Aini Izzah, Syahrina Nurul JANNAH, ZAHROTUL Jasri, Jasri Kasmar , Kasmar Kurniawan, Rikza Syahrial Labibah Sayaka Ilma LAILATUL FITRIA Lailatul Hidayah M. Ahmad Jamaluddin Zamzami Mahdiyin, Khizbullah Al Mahmudz Mahmudz Masdar Hilmy Masrin, Masrin Masrukhan, Adib Qosim Mauidiyah Tanzil Maulana Malik Ibrahim Maulidy, Iqbal Burhanuddin Mentari, Myra Miskun, Miskun Moh. Zainal Abidin Mohtarom, Ali Muallifah, Muallifah Muhamad, Alwi Muhammad Adib Nuruzzaman Muhammad Awwaludin Aprilianto Muhammad Fatchur Rochim Muhammad Ikbal Fahlehfi Muhammad Sirojuddin Mukmin, Islahul Musyarofah, Umirul Nadiatul Imani Nailul Izzah Narto Narto, Narto Nastion, Nastion Nata, Balqisa Ratu Nugroho , Wahyu Dwi Nur Habibah, Eka Putri Nurul Hidayati Nurul Insyani Nuruzzaman, M. Adib Prameswari, Cindy Ashilah Prayoga, Andry Syahrul Putra, Patman Adi Putri, Cynthia Renita Qurrotul Ainy Rahayu, Indah Rahmania, Erfin Walida Rahmawati, Kiki Anita Ramdani Salam Ramlan, Siti Rosilawati Rifka Alfiana Robbi Atul Adawiyah Rofidah, Lailatur Rohmah, Siti Maftukhatur Rufaidah, Anik Safrudin, Mohammad Yogi Sahidah, Sahidah Saidah, Anis Salimudin, Salimudin Saputri, Nurma Fila Anggun Dwi Shahab, Mohammad Fahmi Sholihah, Firdah Ni’matus Siti Khumairotul Lutfiyah Sulfiani, Sulfiani Suparno Suparno Sutarto, Auditya Purwandini Syaifullah, Andika Ihwan Syamsul Arifin Syek Abdullah Tamami, Badrut Tarik, Atika Agustina Titin Nurfadilla Ulul Azmi Nur Rohmatulloh Ulya, Nanda Himmatul Uroidli, Ali Waode Nurhaliza Wardani, Navila Laila Widadi, Ahmad Setyo Widodo, Margareta Ayu Wijayanti, Kristina Elis Yunita, Ita Yusuf, Moh Hafidz Yusuf, Muhammad Hafidz Zahroh, Jamilatus Zakariya, Ikbar Zamzami, M. Ahmad Jamaluddin Zulfitrah Amal