This study aims to analyze the effectiveness of the implementation of the Anti-Money Laundering and Prevention of Terrorism Financing (APU PPT) program at PT BPR BKK Jateng (Perseroda) Magelang Branch Office. The APU PPT program is one of the important efforts in maintaining the integrity of the financial system and preventing misuse of banking services for illegal activities. The research method used is qualitative descriptive with data collection techniques through interviews, observations, and document studies. The results of the study indicate that the implementation of the APU PPT program at PT BPR BKK Jateng KC Magelang has been in accordance with applicable regulations, although there are still several obstacles such as the lack of in-depth training for employees and an early detection system that is not yet fully automated. In conclusion, the implementation of APU PPT in this institution is quite effective but still needs to be improved by strengthening human resource capacity, updating the reporting system, and increasing education for customers.
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