Legality of PPATK administrative actions in dormant account suspensions: aupb analysis

Wahyu Rialdo, Widya Roza, Guntur Abdurrahman

Abstract


The misuse of dormant accounts as instruments for financial crimes has become a significant challenge in maintaining the integrity of the financial system in Indonesia. This condition requires preventive administrative measures while ensuring legal protection for account holders. This study aims to analyze the legality of PPATK’s administrative action in temporarily suspending dormant accounts based on State Administrative Law and the principles of Good Governance (AUPB). This research employs a normative juridical method using statutory, conceptual, and analytical approaches. The results indicate that PPATK has legitimate authority to request temporary suspension of transactions based on Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering as part of its function as the Financial Intelligence Unit (FIU). However, the implementation of such authority must comply with the principles of legal certainty, transparency, proportionality, accuracy, and accountability. This study concludes that strengthening regulations on dormant account management, improving notification mechanisms, and providing administrative objection procedures are necessary to balance financial crime prevention with the protection of citizens’ legal rights.


Keywords


Administrative Law; PPATK; Dormant Account; Good Governance; Financial Intelligence Unit.

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References


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DOI: https://doi.org/10.52626/jg.v%25vi%25i.478

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