[{"_1":2,"_132":-5,"_133":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","en","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","eb03eda0-232e-4965-9e86-61f1b229d243","regulationData",{"_36":33,"_37":38,"_128":129,"_130":131},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_60":61,"_62":63,"_67":68,"_75":76,"_77":78,"_79":80,"_81":82,"_83":-5,"_84":85,"_86":87,"_88":-5,"_89":90,"_91":92,"_93":94,"_95":96,"_103":104,"_109":110,"_111":112,"_113":114,"_115":116,"_117":118,"_119":120,"_121":122,"_123":124,"_125":-5,"_126":127},"title","Peraturan Bank Indonesia Nomor 12/20/PBI/2010 Tahun 2010 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Perkreditan Rakyat dan Bank Pembiayaan Rakyat Syariah","short_title","Peraturan Bank Indonesia Nomor 12/20/PBI/2010","number","12/20/PBI/2010","year","2010","published_date","2010-10-04","effective_date","2010-12-01","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_55":52,"_56":57,"_58":59},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_55":61,"_56":64,"_65":66},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[69,72],{"_55":70,"_56":71,"_58":-5},"15de7b47-622f-4b9b-a362-3e88bbfdbd96","Penanggulangan Terorisme",{"_55":73,"_56":74,"_58":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Perkreditan Rakyat dan Bank Pembiayaan Rakyat Syariah","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2010
Peraturan Bank Indonesia NO. 12/20/PBI/2010, LN.2010/NO.116, BI.GO.ID : 42 HLM
Peraturan Bank Indonesia TENTANG Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Perkreditan Rakyat dan Bank Pembiayaan Rakyat Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 01 Desember 2010. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Peraturan Bank Indonesia Nomor 5/23/PBI/2003 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles) bagi Bank Perkreditan Rakyat.","scope_and_parties","policy_content","Peraturan Bank Indonesia ini mengatur tentang penerapan program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU dan PPT) bagi Bank Perkreditan Rakyat (BPR) dan Bank Pembiayaan Rakyat Syariah (BPRS). Latar belakangnya adalah perkembangan industri BPR dan BPRS yang meningkatkan risiko pemanfaatan lembaga ini untuk pencucian uang dan pendanaan terorisme.\n\nKetentuan substansial mencakup kewajiban BPR dan BPRS untuk menerapkan program APU dan PPT sebagai bagian dari pengelolaan risiko secara keseluruhan. Program ini meliputi pengawasan aktif Direksi dan Dewan Komisaris, kebijakan dan prosedur tertulis, pengendalian intern, serta sumber daya manusia dan pelatihan. BPR dan BPRS wajib membentuk unit kerja khusus atau menunjuk pegawai yang bertanggung jawab atas penerapan program APU dan PPT. Kebijakan dan prosedur tertulis harus mencakup pelaksanaan Customer Due Diligence (CDD), penatausahaan dokumen, pemindahan dana, ketentuan mengenai Beneficial Owner, Politically Exposed Person (PEP), dan area berisiko tinggi. BPR dan BPRS wajib melakukan CDD saat melakukan hubungan usaha dengan calon Nasabah atau Walk-in Customer (WIC), serta dalam kondisi tertentu lainnya. Peraturan ini juga mengatur mengenai pengkinian data, pemantauan transaksi, penolakan transaksi, dan pelaporan Transaksi Keuangan Mencurigakan (TKM) kepada PPATK.","transitional_provisions","1. BPR dan BPRS yang telah memiliki kebijakan dan prosedur yang mengacu pada PBI No.5/23/PBI/2003 tanggal 23 Oktober 2003 wajib menyesuaikan dan menyempurnakan menjadi Pedoman Pelaksanaan Program APU dan PPT paling lambat 12 (dua belas) bulan sejak diberlakukannya Peraturan Bank Indonesia ini.","sanctions","1. Keterlambatan penyampaian Pedoman Program APU dan PPT atau perubahannya dikenakan sanksi denda Rp50.000 per hari, maksimal Rp1.000.000.\n2. Keterlambatan penyampaian Laporan Transaksi Keuangan Mencurigakan dikenakan sanksi denda Rp50.000 per hari, maksimal Rp1.000.000.\n3. Tidak menyampaikan Pedoman Program APU dan PPT atau perubahannya dalam waktu lebih dari 1 bulan dikenakan teguran tertulis dan denda Rp3.000.000.\n4. Tidak menyampaikan Laporan Transaksi Keuangan Mencurigakan dalam waktu lebih dari 1 bulan sejak ditemukan saat pemeriksaan dikenakan teguran tertulis dan denda Rp3.000.000.\n5. Pelanggaran terhadap ketentuan lain dalam PBI ini dapat dikenakan sanksi administratif berupa teguran tertulis, penurunan tingkat kesehatan Bank, pembekuan kegiatan usaha tertentu, pemberhentian pengurus Bank, dan/atau pencantuman dalam daftar pihak yang tidak lulus penilaian kemampuan dan kepatutan.","revokes",[97],{"_98":99,"_100":101,"_36":102},"text","Peraturan BI No. 5/23/PBI/2003 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles) bagi Bank Perkreditan Rakyat","link","https://peraturan.bpk.go.id/Details/137720/peraturan-bi-no-523pbi2003","bf20e860-0cb3-4310-86c2-f3813374f10e","revoked_by",[105],{"_98":106,"_100":107,"_36":108},"Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.01/2017 Tahun 2017","https://jdih.ojk.go.id/web/ViewPeraturan/Detail/83f20895-d710-fdc4-2d16-b105aba1f285/00/00","9724b8ec-6d07-4ae6-ace6-308785a8a22e","partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA REGULATION
NUMBER: 12/20/PBI/2010

ON
THE IMPLEMENTATION OF ANTI-MONEY LAUNDERING PROGRAM
AND TERRORISM FINANCING PREVENTION
FOR RURAL BANKS
AND SHARIA RURAL FINANCING BANKS

BY THE GRACE OF GOD ALMIGHTY,

THE GOVERNOR OF BANK INDONESIA,

Considering:

that the increasing development of Rural Banks and Sharia Rural Financing Banks accompanied by the development of products and services, especially those based on information technology, increases the risk of Rural Banks and Sharia Rural Financing Banks being used for money laundering and terrorism financing;
that the provisions regarding the Implementation of Know Your Customer Principles for Rural Banks and Sharia Rural Financing Banks that have been in effect need to be improved by referring to general principles that apply internationally in supporting efforts to prevent money laundering crimes and prevent terrorism financing;
that based on the considerations

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