The Criminal Action of Money Launching and Funding of Members in the Baitul Maal Wa Tanwil Cooperative by the Management and Members of Cooperative in Indonesia

Abstract

The Ministry of Small and Medium Enterprises Cooperatives (KUKM), together with the State Intelligence Agency and the National Police Criminal Investigation Agency, continue to work together to eradicate fraud cases under the guise of cooperatives. In recent times, these crimes have emerged frequently. Their modus operandi is to offer investments or loans via a short message service (SMS) in Indonesia. They act on behalf of the Savings and Loans Cooperative (KSP) or by forming a Sharia BMT Cooperative. These two institutions are often used for money laundering activities for their customers, either indirectly or directly known by the management of the cooperative. Therefore, with various efforts to ensure that the KSP and the Sharia Cooperative are legal and legal and can carry out financial transactions, savings and loans or receiving time deposits to customers and members. In fact, there are Savings and Loans Cooperatives and BMTs who are brave and brave enough to issue time deposit bilyer as is generally practiced by national banks internationally. Therefore, to protect society from White Collar Crime (white collar crime), which is included in the scope of economic crime. Many victims of clients in this country are unable to withdraw their savings from the KSP or BMT Cooperative, and in the end, only with a ransom for the management to go to jail, the assets are auctioned off by the court, and the stopping money does not match the funds deposited by the customer. The huge losses of billions as a result of the economic crime of the KSP and the BMT Cooperative in Indonesia are very rife, so people must be careful to save their money in the KSP and Koperasi BMT Syariah and must be careful to see the health of the KSP and BMT. Because, customers have been negligent in assessing the health of the KSP and BMT when they have problems with the law, it will definitely result in money disappearing, unclearly and cannot be held accountable by the KSP and BMT administrators. Therefore, to maintain the security of customers' money, KSP and BMT members, to prevent illegal acts, the supervision of the Deputy for Supervision of the Ministry of KUKM continues to be encouraged. Under these conditions, it is clear that effective preventive measures are needed so that cases of such fraud do not spread in society. Of course not an easy thing. The reason is, there are around 79,543 KSP units or 52.62% of the total number of cooperatives in Indonesia. Cooperatives engaged in the savings and loan sector are very prone to being misused by irresponsible parties so that the Financial Services Authority  participates in monitoring the victims of cheat Investment. The Ministry of KUKM will continue to improve the performance of the Investment Alert Task Force which is spread throughout Indonesia. Currently, there are 13 Ministries / Agencies that are included in the ranks of the task force including Bareskrim, National Police Headquarters. To prevent money laundering, the Ministry of KUKM has also collaborated with the Financial Transaction and Analysis Reporting Center. National Counterterrorism Agency so that cooperatives are not used as a forum for financing terrorism in Indonesia. The community is asked not to be easily tempted by the lure of large funds promised by certain parties on behalf of the KSP or the Sharia BMT Cooperative. The community must first find out the truth as well as the track record of related cooperatives as a precaution. People don't be easily tempted. The people behind this scam are targeting the consumptive society in an easy and fast way but without control. BIN's Director of Cyber ​​Analysis and Forensics has the task of detecting the initial potential for cybercrime that have a national impact. The public is also expected to be able to read such symptoms as the most basic anticipation.

Keywords: KSP, Criminal Action-KUKM-PPATK, BNPT, Cyber ​​BIN, Money Loundry, Mambers Savings, Police Headquarters

DOI: 10.7176/JLPG/106-06

Publication date: February 28^th 2021