IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN
Banking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction...
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| Format: | Article |
| Language: | Indonesian |
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Nurul Jadid University
2022-08-01
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| Series: | Profit: Jurnal Kajian Ekonomi dan Perbankan Syariah |
| Subjects: | |
| Online Access: | https://ejournal.unuja.ac.id/index.php/profit/article/view/3492 |
| _version_ | 1797816866055389184 |
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| author | Mufidatul Himmah Mohammad Alief Hidayatullah Siti Fatimah |
| author_facet | Mufidatul Himmah Mohammad Alief Hidayatullah Siti Fatimah |
| author_sort | Mufidatul Himmah |
| collection | DOAJ |
| description | Banking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction services, becoming the main center in crime. money laundering and terrorism financing to hide illegal money. Therefore, the OJK has made regulations regarding the prevention of Money Laundering and the financing of Terrorism which includes CDD and EDD PT. Bank Sumut Syariah KCP H.M Yamin has implemented Customer Due Diligence on Walk In Customer (WIC) and Enhanced Due Diligence on Customers as an effort to prevent money laundering and terrorism financing. In this journal research using qualitative methods with a descriptive approach. the data taken is by interview and observation techniques. Observations indicate that the implementation of WIC on Customer Due Diligence is carried out when the Bank doubts customer information by conducting identification and verification. In addition, at WIC where previously WIC did not need to report to Customer Service when making transactions and went directly to the teller. However, for now there has been a circular letter of change from the Head Office of Bank Sumut Syariah regarding the implementation of WIC where WIC is required to report to Customer service first after obtaining approval from CS, then WIC can go directly to the teller. The implementation of Enhanced Due Diligence is carried out for Politically Exposed Person customers. But in practice at PT. Bank Sumut Syariah KCP H.M Yamin is carried out if there are suspicious transactions or when there are cases. |
| first_indexed | 2024-03-13T08:44:00Z |
| format | Article |
| id | doaj.art-4936587ca6d247ef80a40a0fa12b5104 |
| institution | Directory Open Access Journal |
| issn | 2685-4309 2597-9434 |
| language | Indonesian |
| last_indexed | 2024-03-13T08:44:00Z |
| publishDate | 2022-08-01 |
| publisher | Nurul Jadid University |
| record_format | Article |
| series | Profit: Jurnal Kajian Ekonomi dan Perbankan Syariah |
| spelling | doaj.art-4936587ca6d247ef80a40a0fa12b51042023-05-30T07:32:05ZindNurul Jadid UniversityProfit: Jurnal Kajian Ekonomi dan Perbankan Syariah2685-43092597-94342022-08-016110.33650/profit.v6i1.34921389IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMINMufidatul Himmah0Mohammad Alief Hidayatullah1Siti Fatimah2Prodi Perbankan Syariah Fakultas Agama Islam Universitas Nurul Jadid PaitonProdi Perbankan Syariah Fakultas Agama Islam Universitas Nurul Jadid PaitonProdi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera UtaraBanking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction services, becoming the main center in crime. money laundering and terrorism financing to hide illegal money. Therefore, the OJK has made regulations regarding the prevention of Money Laundering and the financing of Terrorism which includes CDD and EDD PT. Bank Sumut Syariah KCP H.M Yamin has implemented Customer Due Diligence on Walk In Customer (WIC) and Enhanced Due Diligence on Customers as an effort to prevent money laundering and terrorism financing. In this journal research using qualitative methods with a descriptive approach. the data taken is by interview and observation techniques. Observations indicate that the implementation of WIC on Customer Due Diligence is carried out when the Bank doubts customer information by conducting identification and verification. In addition, at WIC where previously WIC did not need to report to Customer Service when making transactions and went directly to the teller. However, for now there has been a circular letter of change from the Head Office of Bank Sumut Syariah regarding the implementation of WIC where WIC is required to report to Customer service first after obtaining approval from CS, then WIC can go directly to the teller. The implementation of Enhanced Due Diligence is carried out for Politically Exposed Person customers. But in practice at PT. Bank Sumut Syariah KCP H.M Yamin is carried out if there are suspicious transactions or when there are cases.https://ejournal.unuja.ac.id/index.php/profit/article/view/3492wic, cdd, edd, apuppt, ppatk regulation number 1 year 2021 |
| spellingShingle | Mufidatul Himmah Mohammad Alief Hidayatullah Siti Fatimah IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN Profit: Jurnal Kajian Ekonomi dan Perbankan Syariah wic, cdd, edd, apuppt, ppatk regulation number 1 year 2021 |
| title | IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN |
| title_full | IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN |
| title_fullStr | IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN |
| title_full_unstemmed | IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN |
| title_short | IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN |
| title_sort | implementasi walk in customer wic dan enhanced due diligence kepada nasabah sebagai pencegahan money laundering pt bank sumut kcp syariah h m yamin |
| topic | wic, cdd, edd, apuppt, ppatk regulation number 1 year 2021 |
| url | https://ejournal.unuja.ac.id/index.php/profit/article/view/3492 |
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