[{"_1":2,"_125":-5,"_126":-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","f3bd9e93-5f8e-42b9-9a43-33b5dc546a7f","regulationData",{"_36":33,"_37":38,"_121":122,"_123":124},"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,"_72":73,"_74":75,"_76":77,"_78":79,"_80":-5,"_81":82,"_83":84,"_85":-5,"_86":87,"_88":89,"_90":91,"_92":93,"_94":95,"_102":103,"_104":105,"_106":107,"_108":109,"_110":111,"_112":113,"_114":115,"_116":117,"_118":-5,"_119":120},"title","Peraturan Otoritas Jasa Keuangan Nomor 39/POJK.05/2015 Tahun 2015 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme oleh Penyedia Jasa Keuangan di Sektor Industri Keuangan Non-Bank","short_title","Peraturan Otoritas Jasa Keuangan Nomor 39/POJK.05/2015 Tahun 2015","number","39/POJK.05/2015","year","2015","published_date","2015-12-21","effective_date","2015-12-28","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","87562a34-231b-40c7-9b97-1b05bf771685","type",{"_55":61,"_56":64,"_65":66},"Peraturan Otoritas Jasa Keuangan","short_name","Peraturan OJK","subjects",[69],{"_55":70,"_56":71,"_58":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Otoritas Jasa Keuangan","place_of_enactment","Jakarta","theme","Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme oleh Penyedia Jasa Keuangan di Sektor Industri Keuangan Non-Bank","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2015
Peraturan Otoritas Jasa Keuangan NO. 39/POJK.05/2015, LN.2015/NO.320, TLN NO.5790, Jdih.ojk.go.id: 59 hlm.
Peraturan Otoritas Jasa Keuangan TENTANG Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme oleh Penyedia Jasa Keuangan di Sektor Industri Keuangan Non-Bank
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Otoritas Jasa Keuangan ini mulai berlaku pada tanggal 28 Desember 2015. \n \n

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Peraturan Otoritas Jasa Keuangan (POJK) Nomor 39/POJK.05/2015 ini ditetapkan untuk mengatur penerapan program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT) oleh Penyedia Jasa Keuangan (PJK) di sektor Industri Keuangan Non-Bank. Latar belakang peraturan ini adalah meningkatnya kompleksitas produk, aktivitas, dan teknologi informasi yang meningkatkan risiko pencucian uang dan pendanaan terorisme. Tujuan utama dari peraturan ini adalah untuk menyesuaikan ketentuan dengan standar internasional dan melaksanakan ketentuan dalam Undang-Undang Nomor 40 Tahun 2014 tentang Perasuransian. Ketentuan substansial dalam peraturan ini mencakup kewajiban PJK untuk menerapkan program APU dan PPT yang meliputi pengawasan aktif oleh Direksi dan Dewan Komisaris, kebijakan dan prosedur, pengendalian intern, sistem informasi manajemen, serta sumber daya manusia dan pelatihan. PJK juga diwajibkan untuk membentuk unit kerja khusus atau menunjuk pejabat yang bertanggung jawab atas penerapan program APU dan PPT. Selain itu, peraturan ini mengatur tentang pelaksanaan Uji Tuntas Nasabah (Customer Due Diligence) dan Uji Tuntas Lanjut (Enhanced Due Diligence) untuk memastikan kepatuhan terhadap ketentuan APU dan PPT.

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PJK yang telah memiliki pedoman pelaksanaan penerapan prinsip mengenal nasabah sebelum berlakunya Peraturan OJK ini, tetap berlaku dan dalam jangka waktu 6 (enam) bulan harus menyesuaikan dengan Peraturan OJK ini menjadi pedoman penerapan program APU dan PPT.
Bagi LKM, ketentuan pada Peraturan OJK ini dinyatakan berlaku setelah 5 (lima) tahun terhitung sejak Peraturan OJK ini diundangkan.
Bagi perusahaan pergadaian swasta yang telah mendapatkan izin usaha dari OJK, ketentuan pada Peraturan OJK ini dinyatakan berlaku setelah 1 (satu) tahun terhitung sejak Peraturan OJK ini diundangkan.

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Pelanggaran terhadap peraturan ini dikenakan sanksi administratif berupa peringatan tertulis, pembatasan kegiatan usaha, atau pembekuan kegiatan usaha.
Sanksi peringatan tertulis dapat diberikan paling banyak 3 (tiga) kali berturut-turut dengan masa berlaku masing-masing paling lama 2 (dua) bulan.
Sanksi administratif bagi LPEI hanya berupa sanksi peringatan tertulis.

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FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA
COPY
REGULATION OF FINANCIAL SERVICES AUTHORITY
NUMBER 39 /POJK.05/2015
CONCERNING
IMPLEMENTATION OF ANTI-MONEY LAUNDERING AND PREVENTION OF TERRORISM FINANCING PROGRAM BY FINANCIAL SERVICES PROVIDERS
IN THE NON-BANK FINANCIAL INDUSTRY SECTOR

BY THE GRACE OF GOD ALMIGHTY

BOARD OF COMMISSIONERS OF THE FINANCIAL SERVICES AUTHORITY,

\n\n \n \n

Considering:

that with the increasing complexity of products, activities, and information technology in the Non-Bank Financial Industry environment, the risk of utilizing financial service providers in the Non-Bank Financial Industry sector as a means of money laundering and terrorism financing is increasingly open;
that the provisions regarding the principle of knowing your customer by financial service providers in the Non-Bank Financial Industry sector need to be adjusted to international standards

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