Kebijakan Anti-Fraud sebagai Instrumen Pencegahan Kejahatan Perbankan (Analisis Peraturan Otoritas Jasa Keuangan Nomor 39 Tahun 2019)

Abstract

Abstract

The development of modernization in societal activities has made the use of banking services a common necessity, whether for transactions, loan facilities, or savings as a form of long-term investment. The public has become increasingly dependent on banks, not only for saving in the form of money but also gold through installment schemes. This study employs a normative legal research method by examining primary, secondary, and tertiary legal materials obtained from legislation, literature, and relevant documents.Fraud in the banking sector can be categorized into three types: financial statement Fraud, asset misappropriation, and corruption. The contributing factors include situational pressure, opportunity, and the rationalization of misconduct. Acts committed by Fraud perpetrators include engaging in deception, falsifying data or information, and concealing or transferring assets derived from criminal acts, whether through money laundering or other methods. The findings indicate that the implementation of anti-Fraud policies in the banking sector is regulated under the Financial Services Authority Regulation (Peraturan Otoritas Jasa Keuangan) No. 39/POJK.03/2019, which emphasizes strategies for prevention, detection, investigation, reporting, and follow-up enforcement against Fraud. This policy is operationalized through four main pillars: prevention, detection, investigation, and monitoring. In conclusion, the effective implementation of anti-Fraud measures requires institutional commitment, compliance with regulations, and a consistent culture of integrity across all levels of the banking organization.