Evaluasi Penerapan Starategi Anti Fraud pada PT Bank Rakyat Indonesia (Persero) Tbk

Daniella, Hana (2022) Evaluasi Penerapan Starategi Anti Fraud pada PT Bank Rakyat Indonesia (Persero) Tbk. D3 thesis, Universitas Kristen Indonesia.

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Abstract

Industri perbankan dan lembaga keuangan merupakan industri yang paling rentan sebagai tempat kejadian fraud dibandingkan industri lainnya. Hasil survei ACFE tahun 2019-2020 mengungkapkan bahwa industri perbankan dan lembaga keuangan berada di peringkat teratas sebagai industri yang menjadi korban fraud terbanyak. Fraud termasuk bagian dalam manajemen risiko maka risiko fraud perlu dikelola dengan baik agar tidak menimbulkan kerugian terkait keuangan, reputasi, operasional dan penilian buruk terhadap GCG. Manajemen risiko yang difokuskan pada penipuan dapat dilakukan dengan upaya pencegahan dan peningkatan terusmenerus pada sistem pengendalian internal melalui pelaksanaan Strategi Anti Penipuan. Tujuan dari penelitian ini adalah untuk menilai bagaimana penerapan Strategi Anti Penipuan di PT Bank Rakyat Indonesia, sebuah lembaga keuangan publik yang dimiliki oleh pemerintah. Penelitian diterapkan dengan menggunakan pendekatan kualitatif dan melibatkan pengumpulan data melalui observasi dan wawancara. Hasil studi menunjukkan bahwa kebijakan Strategi Anti Penipuan di PT Bank Rakyat Indonesia dilakukan setidaknya didasarkan pada 4 landasan yang dalam implementasinya didukung dengan penguatan pada 4 bidang manajemen risiko yang mengutamakan penipuan sesuai dengan Peraturan OJK Nomor 39/POJK. 03/2019 mengenai Penerapan Strategi Anti Penipuan bagi Bank Umum. Kebijakan Anti Penipuan yang Strategis direncanakan untuk mengurangi risiko penipuan. yang dilakukan PT Bank Rakyat Indonesia dapat dikatakan cukup efektif untuk mengendalikan angka kasus fraud yang terlihat dari data kasus fraud yang terjadi selama 5 tahun terakhir. Namun agar kebijakan tersebut semakin efektif perlu dilakukan secara berkelanjutan perbaikan dan penguatan terhadap Strategi Anti Fraud dan Manajemen Risiko Fraud, meningkatkan pengetahuan pegawai terkait fraud dan kesadaran pegawai untuk melaporkan indikasi kecurangan serta menanamkan budaya kerja/kode etik yang baik terutama terkait integritas dan professionalitas seluruh pegawai. Kata kunci : Risiko Fraud, Strategi Anti Fraud, Industri Perbankan. / The banking industry and financial institutions are the industries most vulnerable to fraud incidents compared to other industries. The results of the 2019-2020 ACFE survey revealed that the banking industry and financial institutions were in the top ranking as the industry that was the most victim of fraud. Fraud is part of risk management, so the risk of fraud needs to be managed well so as not to cause losses related to finances, reputation, operations and poor assessment of GCG. Risk management focused on fraud can be carried out with prevention efforts and continuous improvement of the internal control system through the implementation of an Anti-Fraud Strategy. The aim of this research is to assess how the Anti-Fraud Strategy is implemented at PT Bank Rakyat Indonesia, a public financial institution owned by the government. The research was implemented using a qualitative approach and involved data collection through observation and interviews. The results of the study show that the Anti-Fraud Strategy policy at PT Bank Rakyat Indonesia is based on at least 4 foundations, the implementation of which is supported by strengthening 4 areas of risk management that prioritize fraud in accordance with OJK Regulation Number 39/POJK. 03/2019 concerning Implementation of Anti-Fraud Strategies for Commercial Banks. A Strategic AntiFraud Policy is planned to reduce the risk of fraud. What PT Bank Rakyat Indonesia has done can be said to be quite effective in controlling the number of fraud cases as can be seen from data on fraud cases that have occurred over the last 5 years. However, in order for this policy to be more effective, it is necessary to continuously improve and strengthen the Anti-Fraud Strategy and Fraud Risk Management, increase employee knowledge regarding fraud and employee awareness to report indications of fraud and instill a good work culture/code of ethics, especially regarding the integrity and professionalism of all employees. . Keywords: Fraud risk, Anti-Fraud Strategy, Banking Industry

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