Tinjauan Yuridis Penerapan Kebijakan Anti Fraud Berdasarkan Surat Edaran Bank Indonesia No.13/28/DPNP Perihal Penerapan Strategi Anti Fraud Bagi Bank Umum (Studi pada Bank BCA Cabang Batam)

Oktarianto, Rezha Fajar (2019) Tinjauan Yuridis Penerapan Kebijakan Anti Fraud Berdasarkan Surat Edaran Bank Indonesia No.13/28/DPNP Perihal Penerapan Strategi Anti Fraud Bagi Bank Umum (Studi pada Bank BCA Cabang Batam). Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Surat Edaran Nomor 13/28/DPNP yang dikeluarkan oleh Bank Indonesia mewajibkan seluruh bank di Indonesia untuk melakukan upaya pencegaha fraud. Fraud sendiri diartikan sebagai Tindakan penyimpangan/pembiaran yang berupa kecurangan, penipuan, pengelapan asset dan pembocoran rahasia yang dimiliki oleh Lembaga keuangan (bank) serta pihak di dalamnya, baik itu nasabah atau pihak ketiga yang di lingkungan bank dan/atau menggunakan sarana bank sehingga mengakibatkan kerugian bagi bank dan nasabaha dan pelaku fraud tersebut mendapat keuntungan baik secara langsung maupun tidak langsung. Tindakan fraud di Bank BCA Cabang Batam dalam 3 tahun terakhir mengalami peningkatan. Metodologi penelitian yang digunakan adalah yuridis Empiris yaitu mengambil data langsung di lapangan yang akan di teliti dengan cara wawancara ke Bank BCA Cabang Batam, serta peneliti juga menggunakan bahan hukum primer, bahan hukum sekunder dan bahan hukum tersier. Berdasarkan hasil penelitian yang telah dilakukan, Bank BCA telah membentuk Biro Anti Fraud (BAF) serta membuat Pedoman Pencegahan Tindakan Fraud. untuk pengawasan Di Bank BCA Cabang Batam, telah dibentuk Pengawasan Internal Cabang (PIC). Penyebab terjadinya tindakan fraud di Bank BCA Cabang Batam adalah ketidakseimbangan antara jumlah kepala unit kerja dengan jumlah bawahan, yang menyebabkan control kurang maksimal. Perekrutan karyawan yang terpusat serta melaui system online, membuat Bank BCA Cabang Batam tidak dapat melakukan pengenalan karakter karyawan dari awal. ********************************************************************** Circular Letter Number 13/28 / DPNP issued by Bank Indonesia requires all banks in Indonesia to make efforts to prevent fraud. Fraud itself is defined as an act of irregularities / omission in the form of fraud, fraud, embezzlement of assets and confidential leakage owned by financial institutions (banks) and their parties, both customers or third parties within the bank and / or using bank facilities so as to result losses for banks and customers and fraudsters benefit directly or indirectly. Fraud actions at BCA Bank Batam Branch in the last 3 years have increased. The research methodology used is Empirical jurisdiction that is taking data directly in the field that will be examined by interviewing BCA Bank Batam Branch, and researchers also using primary legal materials, secondary legal materials and tertiary legal materials. Based on the results of research that has been done, Bank BCA has formed the Anti-Fraud Bureau (BAF) and created a Fraud Prevention Guidelines. for supervision at BCA Bank Batam Branch, a Branch Internal Supervision (PIC) has been formed. The cause of fraud in BCA Bank Batam Branch is an imbalance between the number of work unit heads and the number of subordinates, which causes less than maximum control. Centralized employee recruitment and through the online system has prevented Bank BCA Batam Branch from being able to recognize employee character from the start.

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