{"id":572435,"date":"2024-10-31T09:31:54","date_gmt":"2024-10-31T02:31:54","guid":{"rendered":"https:\/\/vibiznews.com\/?p=572435"},"modified":"2024-10-31T09:31:54","modified_gmt":"2024-10-31T02:31:54","slug":"ojk-terbitkan-pojk-nomor-15-tahun-2024-untuk-hindari-fraud","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/10\/31\/ojk-terbitkan-pojk-nomor-15-tahun-2024-untuk-hindari-fraud\/","title":{"rendered":"OJK Terbitkan POJK Nomor 15 Tahun 2024, untuk Hindari Fraud"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) Nomor 15 Tahun 2024 tentang Integritas Pelaporan Keuangan Bank. Aturan ini diterbitkan guna memperkuat industri perbankan.<\/p>\n<h5 style=\"text-align: justify;\"><strong>Latar belakang penerbitan<\/strong><\/h5>\n<p style=\"text-align: justify;\">Aturan ini diterbitkan karena banyak ditemukan <em>fraud<\/em> dalam pelaporan keuangan merupakan salah satu penyebab bank bermasalah hingga dicabut izin usahanya.<\/p>\n<p style=\"text-align: justify;\">Kepala Eksekutif Pengawas Perbankan OJK Dian Ediana Rae berharap penerbitan POJK ini menjadi salah satu upaya OJK dalam meningkatkan integritas. Juga tata kelola, dan resiliensi sistem perbankan Indonesia, terutama dalam menghadapi berbagai tantangan yang dapat membahayakan integritas sistem perbankan.<\/p>\n<p style=\"text-align: justify;\">\u201cPenerbitan POJK ini diharapkan dapat meningkatkan efektivitas pengawasan OJK secara menyeluruh. Termasuk melakukan deteksi dini terhadap permasalahan bank,\u201d ungkap Dian dalam siaran pers, Selasa (29\/10).<\/p>\n<p style=\"text-align: justify;\">Kasus yang sering terjadi di perbankan selain fraud, adalah merekayasa laporan keuangan. Basel Committee on Banking Supervision (BCBS) dalam publikasi pada April 2024 menemukan adanya kesengajaan yang dilakukan oleh Global Systematically Important Bank (G-SIB). Terutama dalam memanipulasi laporan keuangan agar bank tersebut terlihat lebih aman.<\/p>\n<h5 style=\"text-align: justify;\">POJK ini memperkuat penerapan tata kelola dan pengendalian internal dalam proses pelaporan keuangan bank. Yaitu melalui penerapan <em>internal control over financial reporting (ICFR)<\/em> yang diharapkan dapat menjadi landasan untuk menjaga keandalan, keakuratan.<\/p>\n<p>Dan konsistensi informasi keuangan dan laporan keuangan bank serta sekaligus mengurangi risiko terjadinya kesalahan atau penyalahgunaan dalam proses pelaporan keuangan.<\/h5>\n<p style=\"text-align: justify;\">Dian mengatakan bahwa akurasi substansi dan ketepatan waktu pelaporan dapat digunakan oleh OJK sebagai alat untuk mendeteksi dini (<em>early warning system<\/em>). Khususnya terhadap masalah dan potensi masalah yang terjadi pada bank tertentu, dan melakukan koreksi dengan cepat.<\/p>\n<p style=\"text-align: justify;\">POJK mengenai Integritas Pelaporan Keuangan Bank mengatur mengenai penyusunan informasi dan laporan keuangan. Mencakup kewajiban bank untuk memiliki proses pelaporan keuangan yang berintegritas dan memiliki kebijakan\/prosedur pengendalian internal dalam proses pelaporan keuangan.<\/p>\n<p style=\"text-align: justify;\">Serta larangan bagi direksi, dewan komisaris, dewan pengawas syariah, dan pejabat eksekutif terhadap praktik window dressing.<\/p>\n<h5 style=\"text-align: justify;\">Selain itu POJK ini juga mengatur tugas dan tanggung jawab direksi dan dewan komisaris dalam proses pelaporan keuangan. Termasuk pemantauan dan evaluasi oleh komite audit, serta dukungan pemegang saham pengendali dalam proses pelaporan keuangan yang berkualitas dan andal.<\/h5>\n<p style=\"text-align: justify;\">Kewajiban pihak terafiliasi untuk menghindari tindakan intervensi kepada bank dalam proses pelaporan keuangan. Serta pemberian sanksi bagi bank, direksi, dewan komisaris, dewan pengawas syariah, pemegang saham pengendali, pihak terafiliasi, dan pejabat eksekutif bank. Bagi yang melanggar POJK berupa sanksi administratif berupa denda maupun non-denda yang signifikan.<\/p>\n<p style=\"text-align: justify;\">Untuk itu Bank diharuskan menyusun, menetapkan, dan memastikan penerapan kebijakan dan prosedur pengendalian internal dalam proses pelaporan keuangan. Dengan batas paling lama 3 (tiga) bulan terhitung sejak POJK ini diundangkan.<\/p>\n<p style=\"text-align: justify;\">Kemudian Bank membentuk unit kerja khusus atau menunjuk pejabat eksekutif yang bertanggung jawab terhadap pencegahan kecurangan. Atau manipulasi dalam informasi keuangan dan\/atau laporan keuangan, paling lama enam bulan terhitung sejak POJK ini diundangkan.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) Nomor 15 Tahun 2024 tentang Integritas Pelaporan Keuangan Bank. Aturan ini diterbitkan guna memperkuat industri perbankan. Latar belakang penerbitan Aturan ini diterbitkan karena banyak ditemukan fraud dalam pelaporan keuangan merupakan salah satu penyebab bank bermasalah hingga dicabut izin [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":508449,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353],"tags":[14775],"class_list":["post-572435","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-pojk-nomor-15-tahun-2024"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Terbitkan POJK Nomor 15 Tahun 2024, untuk Hindari Fraud - 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