PELANGGARAN ETIKA PROFESI BANKIR DALAM DIMENSI KEJAHATAN PERBANKAN

DOI: https://doi.org/10.32722/epi.v15i1.1221

Ida Nurhayati, Rita Farida

Abstract


Abstract This research is part of my dissertation that discusses ethical violations including banking crimes, which are subtle (criminogenic). This study aims to explain that ethics can be used as a guideline in running banking activities in addition to the legal regulations that accompany banking activities. This research uses a qualitative approach using a model put forward by Graaf-Huberts (2008) that is "Monster Grid". Violation of ethics in banking crime is one form of white collar crime, as proposed by Sutherland, because the characteristics presented have been met by the perpetrators. First, the perpetrators all feel guilty, because such work has been long and repeatedly done. Second, they feel no harm to customers / community. Stay in good relationship with the victim, in this case the client. In this study, only to the point why ethics can be used as guidance in running the profession of bankers ?. This can happen, among others, because: 1.Lemahnya internal supervision; 2. Supervision should be integrated with non-formal factors, such as lifestyle factors, association, and community culture; 3. Not strictly adhered to with full awareness of the principles of professional code of ethics, because it is only the Principle of Bankers Code of Conduct. Keywords: dimension, banking crime, criminigenic Abstrak Penelitian ini bagian dari disertasi saya yang membahas tentang pelanggaran etika termasuk kejahatan perbankan, yang bersifat halus (criminogenic). Penelitian ini bertujuan untuk menjelaskan bahwa etika dapat dijadikan pedoman dalam menjalankan kegiatan perbankan selain peraturan hukum yang menyertai kegiatan perbankan. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan model yang dikemukakan oleh Graaf-Huberts (2008) yaitu “Monster Grid”. Pelanggaran etika dalam kejahatan perbankan merupakan salah satu bentuk dari white collar crime, seperti dikemukakan oleh Sutherland (, karena ciri-ciri yang dikemukakan telah terpenuhi oleh para pelakunya. Pertama, para pelaku semuanya merasa tidak bersalah, karena pekerjaan seperti itu telah lama dan berulang kali dilakukan. Kedua, mereka merasa tidak merugikan nasabah/masyarakat.Tetap berhubungan baik dengan korbannya, dalam hal ini nasabahnya. Pada penelitian ini, hanya sampai pada sebab mengapa etika dapat dijadikan pedoman dalam menjalankan profesi bankir?. Hal tersebut  dapat terjadi antara lain, karena: 1.Lemahnya pengawasan internal; 2. Pengawasan sebaiknya terintegrasi dengan faktor-faktor non formal, misalnya faktor gaya hidup, pergaulan, dan budaya masyarakat; 3. Belum ditaati secara ketat dengan penuh kesadaran prinsip-prinsip kode etik profesinya, karena hanya bersifat Prinsip Kode Etik Bankir. Keywords : dimensi, kejahatan perbankan, criminogenic 

PELANGGARAN ETIKA PROFESI BANKIR DALAM DIMENSI KEJAHATAN PERBANKAN

 

Ida Nurhayati1 dan Rita Farida2

1Jurusan Akuntansi, Politeknik Negeri Jakarta

 2Jurusan Teknik Sipil, Politeknik Negeri Jakarta

Email : 1ida.nurhayati@akuntansi.pnj.ac.id

 


Abstract

 

This research is part of my dissertation that discusses ethical violations including banking crimes, which are subtle (criminogenic). This study aims to explain that ethics can be used as a guideline in running banking activities in addition to the legal regulations that accompany banking activities. This research uses a qualitative approach using a model put forward by Graaf-Huberts (2008) that is "Monster Grid". Violation of ethics in banking crime is one form of white collar crime, as proposed by Sutherland, because the characteristics presented have been met by the perpetrators. First, the perpetrators all feel guilty, because such work has been long and repeatedly done. Second, they feel no harm to customers / community. Stay in good relationship with the victim, in this case the client. In this study, only to the point why ethics can be used as guidance in running the profession of bankers ?. This can happen, among others, because: 1.Lemahnya internal supervision; 2. Supervision should be integrated with non-formal factors, such as lifestyle factors, association, and community culture; 3. Not strictly adhered to with full awareness of the principles of professional code of ethics, because it is only the Principle of Bankers Code of Conduct.

 

Keywords: dimension, banking crime, criminigenic

 


Abstrak

 

Penelitian ini bagian dari disertasi saya yang membahas tentang pelanggaran etika termasuk kejahatan perbankan, yang bersifat halus (criminogenic). Penelitian ini bertujuan untuk menjelaskan bahwa etika dapat dijadikan pedoman dalam menjalankan kegiatan perbankan selain peraturan hukum yang menyertai kegiatan perbankan. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan model yang dikemukakan oleh Graaf-Huberts (2008) yaitu “Monster Grid”. Pelanggaran etika dalam kejahatan perbankan merupakan salah satu bentuk dari white collar crime, seperti dikemukakan oleh Sutherland (, karena ciri-ciri yang dikemukakan telah terpenuhi oleh para pelakunya. Pertama, para pelaku semuanya merasa tidak bersalah, karena pekerjaan seperti itu telah lama dan berulang kali dilakukan. Kedua, mereka merasa tidak merugikan nasabah/masyarakat.Tetap berhubungan baik dengan korbannya, dalam hal ini nasabahnya. Pada penelitian ini, hanya sampai pada sebab mengapa etika dapat dijadikan pedoman dalam menjalankan profesi bankir?. Hal tersebut  dapat terjadi antara lain, karena: 1.Lemahnya pengawasan internal; 2. Pengawasan sebaiknya terintegrasi dengan faktor-faktor non formal, misalnya faktor gaya hidup, pergaulan, dan budaya masyarakat; 3. Belum ditaati secara ketat dengan penuh kesadaran prinsip-prinsip kode etik profesinya, karena hanya bersifat Prinsip Kode Etik Bankir.

 

Keywords : dimensi, kejahatan perbankan, criminogenic


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