[{"_1":2,"_133":-5,"_134":-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","f2b6a059-c3a0-4408-b77a-10ed087a1eed","regulationData",{"_36":33,"_37":38,"_129":130,"_131":132},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":48,"_50":51,"_52":53,"_58":59,"_60":61,"_65":66,"_76":77,"_78":79,"_80":81,"_82":83,"_84":-5,"_85":86,"_87":88,"_89":-5,"_90":91,"_92":93,"_94":95,"_96":97,"_104":105,"_110":111,"_112":113,"_114":115,"_116":117,"_118":119,"_120":121,"_122":123,"_124":125,"_126":-5,"_127":128},"title","Peraturan Bank Indonesia Nomor 14/27/PBI/2012 Tahun 2012 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum","short_title","Peraturan Bank Indonesia Nomor 14/27/PBI/2012","number","14/27/PBI/2012","year","2012","published_date","2012-12-28","effective_date","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_6":51,"_54":55,"_56":57},"name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_6":59,"_54":62,"_63":64},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[67,70,73],{"_6":68,"_54":69,"_56":-5},"15de7b47-622f-4b9b-a362-3e88bbfdbd96","Penanggulangan Terorisme",{"_6":71,"_54":72,"_56":-5},"5c23153e-8a22-44ee-bfce-ce6ef5f16760","Hukum Pidana, Perdata & Dagang",{"_6":74,"_54":75,"_56":-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 Umum","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2012
Peraturan Bank Indonesia NO. 14/27/PBI/2012, LN.2012/NO.290, TLN NO.5385, BI.GO.ID : 49 HLM
Peraturan Bank Indonesia TENTANG Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 28 Desember 2012. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Peraturan Bank Indonesia Nomor 11/28/PBI/2009 mengenai Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum.","scope_and_parties","policy_content","

Latar Belakang dan Tujuan: Peraturan ini diterbitkan untuk menanggapi meningkatnya risiko pencucian uang dan pendanaan terorisme akibat kompleksitas produk, aktivitas, dan teknologi informasi perbankan. Tujuannya adalah untuk meningkatkan kualitas manajemen risiko bank dengan mengacu pada standar internasional.

Ketentuan Substansial: Peraturan ini mengatur kewajiban bank untuk menerapkan program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT) sebagai bagian dari manajemen risiko. Bank harus memiliki kebijakan dan prosedur tertulis, pengawasan aktif dari Direksi dan Dewan Komisaris, serta membentuk unit kerja khusus untuk program APU dan PPT. Bank juga diwajibkan melakukan Customer Due Diligence (CDD) dan Enhanced Due Diligence (EDD) terhadap nasabah berisiko tinggi, serta melaporkan transaksi keuangan mencurigakan kepada PPATK.

","transitional_provisions","1. Bank yang telah memiliki Pedoman Pelaksanaan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme wajib menyesuaikan dan menyempurnakan menjadi Pedoman Pelaksanaan Program APU dan PPT paling lambat 6 (enam) bulan sejak diberlakukannya Peraturan Bank Indonesia ini.","sanctions","1. Bank yang terlambat menyampaikan laporan dikenakan sanksi administratif berupa kewajiban membayar sebesar Rp1.000.000,00 per hari keterlambatan per laporan dan paling tinggi sebesar Rp30.000.000,00.\n2. Bank yang belum menyampaikan laporan dalam waktu lebih 1 bulan dikenakan sanksi berupa teguran tertulis dan kewajiban membayar sebesar Rp50.000.000,00.\n3. Pelanggaran terhadap ketentuan dapat dikenakan sanksi administratif berupa teguran tertulis, penurunan dalam penilaian tingkat kesehatan, pembekuan kegiatan usaha tertentu, pemberhentian pengurus Bank, dan/atau pencantuman dalam daftar orang tercela di bidang Perbankan.","revokes",[98],{"_99":100,"_101":102,"_36":103},"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","revoked_by",[106],{"_99":107,"_101":108,"_36":109},"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 14/27/PBI/2012
ON
THE IMPLEMENTATION OF ANTI-MONEY LAUNDERING AND TERRORISM FINANCING PREVENTION PROGRAM FOR COMMERCIAL BANKS

BY THE GRACE OF GOD ALMIGHTY

THE GOVERNOR OF BANK INDONESIA,

Considering:

that with the national, regional and global dynamics and the increasing complexity of bank products, activities, and information technology, the risk of using banks in money laundering and terrorism financing is increasing;
that the increased risks faced by banks need to be balanced with improving the quality of risk management implementation related to anti-money laundering and terrorism financing prevention programs;
that the implementation of risk management related to anti-money laundering and terrorism financing prevention programs needs to refer to general principles that apply internationally;
that in order to implement anti-money laundering and terrorism financing prevention programs

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