ANALISIS HUKUM TERHADAP UPAYA PENCEGAHAN DAN DETEKSI PENCUCIAN UANG DALAM BISNIS ASURANSI BNI LIFE (Studi Putusan Nomor 740/Pid.Sus/2014/PT MDN) - Nurul Qoedatul Khoiriyah Siregar; Mahmud Mulyadi; Abdul Aziz Alsa (JOURNAL OF SCIENCE AND SOCIAL RESEARCH, 2026)
Abstract: Money laundering is a crime that can exploit various financial service sectors—including the insurance industry—as a means to disguise the origins of assets derived from criminal activity. The increasing complexity of insurance products and services heightens the risk of the sector being used as a vehicle for money laundering. This study aims to analyze efforts to prevent and detect money laundering within the insurance business, specifically focusing on Court Decision Number 740/Pid.Sus/2014/PT MDN, which involved a former agent of PT BNI Life Insurance Medan. The study employs a normative legal research method utilizing a statutory approach, supplemented by empirical data obtained through interviews. A descriptive-qualitative analysis was conducted on the relevant legislation, legal literature, and the court decision serving as the study's subject. The findings indicate that criminal acts in the insurance sector can take the form of insurance fraud, fraudulent claims, premium embezzlement, policy document forgery, and money laundering. In the case under review, the defendant was proven to have forged documents and misappropriated client investment funds, subsequently using those funds in a manner that disguised their origins. PT BNI Life Insurance’s efforts to prevent and combat money laundering are implemented through the application of "Know Your Customer" (KYC) principles, Customer Due Diligence (CDD), continuous transaction monitoring, the reporting of suspicious financial transactions to the Financial Transaction Reports and Analysis Center (PPATK), and the enhancement of human resource competence. Based on crime prevention theory, these measures are effective in narrowing the opportunities for money laundering and increasing the likelihood of criminal activity being detected. An analysis of the judicial decision reveals that the ruling upholds the principles of justice, legal certainty, and legal utility; however, from a restorative justice perspective, there remain shortcomings, as the restitution of the victim's losses has not been fully realized.  Keywords: Money Laundering, Insurance, Prevention and Detection, BNI Life Insurance, Judgment Number 740/Pid.Sus/2014/PT MDN. Abstrak: Tindak pidana pencucian uang (TPPU) merupakan kejahatan yang dapat memanfaatkan berbagai sektor jasa keuangan, termasuk industri perasuransian, sebagai sarana untuk menyamarkan asal-usul harta kekayaan yang diperoleh dari tindak pidana. Perkembangan produk dan layanan asuransi yang semakin kompleks meningkatkan potensi sektor ini menjadi media pencucian uang. Penelitian ini bertujuan untuk menganalisis upaya pencegahan dan deteksi tindak pidana pencucian uang dalam bisnis asuransi, khususnya berdasarkan Putusan Nomor 740/Pid.Sus/2014/PT MDN yang melibatkan mantan agen PT BNI Life Insurance Medan. Penelitian ini menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan (statute approach) yang didukung data empiris melalui wawancara. Analisis dilakukan secara deskriptif kualitatif terhadap peraturan perundang-undangan, literatur hukum, serta putusan pengadilan yang menjadi objek penelitian.Hasil penelitian menunjukkan bahwa tindak pidana dalam sektor asuransi dapat berupa penipuan asuransi, penipuan klaim asuransi, penggelapan premi, pemalsuan dokumen polis, dan pencucian uang. Dalam perkara yang diteliti, terdakwa terbukti melakukan pemalsuan dokumen dan penyalahgunaan dana investasi nasabah yang kemudian digunakan untuk menyamarkan asal-usul dana tersebut. Upaya pencegahan dan pemberantasan TPPU yang dilakukan oleh PT BNI Life Insurance diwujudkan melalui penerapan prinsip mengenali nasabah (Know Your Customer), Customer Due Diligence (CDD), pemantauan transaksi secara berkelanjutan, pelaporan transaksi keuangan mencurigakan kepada PPATK, serta peningkatan kompetensi sumber daya manusia. Berdasarkan teori pencegahan kejahatan, langkah-langkah tersebut efektif dalam mempersempit peluang terjadinya pencucian uang dan meningkatkan risiko terdeteksinya tindak pidana. Analisis terhadap putusan hakim menunjukkan bahwa putusan telah memenuhi prinsip keadilan, kepastian hukum, dan kemanfaatan hukum, meskipun dari perspektif keadilan restoratif masih terdapat kelemahan karena pemulihan kerugian korban belum sepenuhnya terpenuhi. Kata Kunci: Tindak Pidana Pencucian Uang, Asuransi, Pencegahan dan Deteksi, BNI Life Insurance, Putusan Nomor 740/Pid.Sus/2014/PT MDN.