Anslisis Yuridis Penerapan Prinsip Mengenal Nasabah Peyimpan Dana Dalam Transaksi Perbankan di PT. Bank Negara Indonesia (PERSERO) Tbk. kantor Cabang USU Medan

Abstract

Know Your Customer Principle (KYC) is a principle that the Bank applies to know the identity of the customer, monitor the customer's transaction activities including reporting suspicious transactions. This principle is used to protect the Bank from various risks in dealing with customers or counter-parties and how the application of the principle of knowing customers to the banking and the impacts arising from the application of these principles. The results showed that the application of Know Your Customer Principles (P2MN) was regulated in Bank Indonesia Regulation No. 3 / 10 / PBI / 2001 and after several changes and the latest by Bank Indonesia Regulation No. 14 / 27 / PBI / 2012 and related laws, namely Law No.15 Year 2002 and the amendment of Law No.25 Year 2003 on the Act Money Laundering Criminal. To prevent PT. Bank Negara Indonesia (Persero) Tbk, Medan USU Branch Office is not an entry for the proceeds of crime or money laundering, the bank must recognize and know the identity of its customers, monitor transactions and maintain customer profiles, and report to PPATK for any suspicious financial transactions . It was realized that at first the bank was worried that its customers would run away and move to another bank or transfer funds abroad or kept under the pillow since the funds held are the funds required by the bank to carry out its activities but with the socialization and tight supervision by Bank Indonesia, the concerns disappear on their own and the funds collected since the implementation of P2MN tends to increase in line with the improving Indonesian economy and note that P2MN still protects customers and banks must keep information about depositors and their deposits. This secrecy is necessary for the bank's interest because the bank requires the trust of the people who keep the money in the bank. For the effective application of this principle, there needs to be support and cooperation from the government, banks and society. Customer protection viewed from banking laws and consumer protection laws and Bank Indonesia regulations is a guarantee of legal certainty to customers to be protected and properly provided, clear and honest about the conditions, guarantee of services provided and the security of personal data of customers. The use of customer's personal data for other purposes must be approved directly from the customer.