[{"_1":2,"_132":-5,"_133":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","id","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","b087ca0c-4a1d-43f4-b4a7-bd6142546105","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,"_59":60,"_61":62,"_66":67,"_71":72,"_73":74,"_75":76,"_77":78,"_79":-5,"_80":81,"_82":83,"_84":-5,"_85":86,"_87":88,"_89":90,"_91":92,"_93":94,"_101":102,"_103":104,"_105":106,"_115":116,"_117":118,"_119":120,"_121":122,"_123":124,"_125":-5,"_126":127},"title","Peraturan Bank Indonesia Nomor 5/21/PBI/2003 Tahun 2003 tentang Perubahan Kedua atas Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles)","short_title","Peraturan Bank Indonesia Nomor 5/21/PBI/2003","number","5/21/PBI/2003","year","2003","published_date","2003-10-17","effective_date","2003-10-18","status_id","89192b77-602e-484c-89df-4fd3166b732a","status",{"_6":52,"_55":56,"_57":58},"name","Tidak Berlaku","description","Peraturan yang sudah tidak berlaku karena dicabut, diubah, atau habis masa berlakunya","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_6":60,"_55":63,"_64":65},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[68],{"_6":69,"_55":70,"_57":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","Perubahan Kedua atas Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles)","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2003
Peraturan Bank Indonesia NO. 5/21/PBI/2003, LN.2003/NO.111, TLN NO.4325, BI.GO.ID : 8 HLM
Peraturan Bank Indonesia TENTANG Perubahan Kedua atas Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles)
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 18 Oktober 2003. \n \n

","regulatory_relationship","Peraturan ini mengubah:\n1. Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles)\n2. Peraturan Bank Indonesia Nomor 3/23/PBI/2001 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles)","scope_and_parties","policy_content","

Peraturan Bank Indonesia ini bertujuan untuk menyempurnakan ketentuan mengenai penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles) agar lebih efektif, sejalan dengan Undang-Undang tentang Tindak Pidana Pencucian Uang dan standar internasional.

Ketentuan substansial dalam peraturan ini mencakup:

Penambahan definisi baru terkait Transaksi Keuangan Mencurigakan, Hasil Tindak Pidana, dan Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK).
Kewajiban Bank untuk menolak membuka rekening atau melaksanakan transaksi dengan calon nasabah yang tidak memenuhi ketentuan identifikasi, memberikan informasi tidak benar, atau berbentuk shell banks. Bank juga dapat menolak transaksi atau mengakhiri hubungan usaha dengan nasabah yang sudah ada jika kriteria tersebut terpenuhi atau penggunaan rekening tidak sesuai tujuan pembukaan.
Kewajiban Bank untuk memiliki sistem informasi yang efektif dalam mengidentifikasi, menganalisis, memantau, dan melaporkan karakteristik transaksi nasabah, termasuk identifikasi Transaksi Keuangan Mencurigakan.
Kewajiban Bank untuk menunjuk petugas khusus yang menangani nasabah berisiko tinggi dan transaksi yang dapat dikategorikan sebagai Transaksi Keuangan Mencurigakan.
Kewajiban Bank untuk menyampaikan laporan Transaksi Keuangan Mencurigakan kepada PPATK paling lambat 3 hari kerja setelah mengetahui adanya unsur tersebut.
Penerapan Prinsip Mengenal Nasabah terhadap nasabah yang tidak memiliki rekening di Bank jika nilai transaksi melebihi Rp100.000.000,00.

","transitional_provisions","1. Bank wajib menyesuaikan kebijakan dan prosedur penerapan Prinsip Mengenal Nasabah yang telah ada dengan ketentuan dalam Peraturan Bank Indonesia ini selambat-lambatnya 1 (satu) bulan sejak mulai berlakunya Peraturan Bank Indonesia ini.\n2. Perubahan kebijakan dan prosedur sebagaimana dimaksud dalam ayat (1) wajib disampaikan kepada Bank Indonesia sesuai dengan ketentuan sebagaimana dimaksud dalam Pasal 13 huruf c.","sanctions","1. Bank yang terlambat menyampaikan pedoman dan laporan dikenakan sanksi administratif berupa kewajiban membayar sebesar Rp1.000.000,00 per hari keterlambatan, maksimal Rp30.000.000,00.\n2. Bank yang tidak menyampaikan pedoman dan laporan dikenakan sanksi administratif berupa teguran tertulis dan kewajiban membayar sebesar Rp50.000.000,00.\n3. Bank yang melanggar ketentuan lainnya dikenakan sanksi administratif lebih lanjut.","revokes",[],"revoked_by",[95],{"_96":97,"_98":99,"_36":100},"text","Peraturan BI No. 11/28/PBI/2009 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum","link","https://peraturan.bpk.go.id/Details/137573/peraturan-bi-no-1128pbi2009","467f0ec9-4a7c-4938-ae5f-268a20b14ba1","partially_revokes",[],"partially_revoked_by",[],"amends",[107,111],{"_96":108,"_98":109,"_36":110},"Peraturan BI No. 3/23/PBI/2001 tentang Perubahan atas Peraturan Bank Indonesia Nomor 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles)","https://peraturan.bpk.go.id/Details/137772/peraturan-bi-no-323pbi2001","03cd55c8-881f-42d6-be39-b063dcc7f0e7",{"_96":112,"_98":113,"_36":114},"Peraturan BI No. 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principles)","https://peraturan.bpk.go.id/Details/137771/peraturan-bi-no-310pbi2001","9fa422f7-46bb-4d3b-8ed9-51f3a2e15f1d","amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA REGULATION
NUMBER: 5/21/PBI/2003
CONCERNING
THE SECOND AMENDMENT TO BANK INDONESIA REGULATION NUMBER 3/10/PBI/2001
CONCERNING THE IMPLEMENTATION OF KNOW YOUR CUSTOMER PRINCIPLES (KNOW YOUR CUSTOMER PRINCIPLES)

GOVERNOR OF BANK INDONESIA,

\n \n \n \n \n \n \n

Considering:

that in order to implement the Know Your Customer Principle more effectively, it is necessary to improve the prevailing regulations to comply with the Law on the Crime of Money Laundering and applicable international standards;
that based on the foregoing, it is deemed necessary to amend Bank Indonesia Regulation Number 3/10/PBI/2001 concerning the Implementation of Know Your Customer Principles (Know Your Customer Principles) as amended by Bank Indonesia Regulation Number 3/23/PBI/2001;

In view of:

Law Number 7 of 1992 concerning Banking (State Gazette of the Republic of

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