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"[ABSTRAKKajian mengenai mekanisme penipuan dalam bisnis money game ini tidak hanya dilihat dari bagaimana pelaku memberikan informasi dan melakukan prosesperekrutan. Permasalahan mengenai money game ini biasanya hanya melihat darisudut pandang pelaku, namun untuk melihat penipuan dalam bisnis ini secaralebih detail juga harus melihat dari sisi korban. Tulisan ini menggunakan metodepenulisan dengan menggunakan data sekunder yang berasal dari BAP kepolisiandan kliping koran online. Tulisan ini menggunakan pemikiran Blau tentangpertukaran sosial sebagai teori utama mengenai ketergantungan kekuasaan dansistem nilai investor. Sehingga kekuasaan yang dimiliki oleh yang berkuasa akanmemberikan penawaran menggunakan brosur dan agen kepada pihak yangdiperintah (investor) menggunakan nilai-nilai yang relevan dengan orang yangdiperintah. Sehingga orang yang diperintah akan memutuskan bergabungmenggunakan sistem nilai yang dipunya melalui akses tertentu seperti tokohmasyarakat, sentimen agama dan profit yang besar. Hasil analisis menunjukkanbahwa terdapat 3 pola keputusan investor bergabung dalam bisnis money game yakni berdasarkan Dampak 1. Halo effect 2. Rationalitas nilai 3. Rational choice.

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ABSTRACTThe study of the mechanism of fraud in the business of money the game is not only seen from how the actors provide information and conduct therecruitment process. Problems regarding money games are usually only see fromthe viewpoint of the perpetrators, but to see the fraud in this business for moredetail also have to look at from the side of the victim. This study use secondarydata from Police BAP and newspaper. This study use Blau Thought about SocialExchange as main theory about power dependence and value system frominvestor. So that the power that the powerful side will offer brochures and agentsto those who ordered (investors) using the values that are relevant to the ordered.So that the ordered will decide to join using a system of values that they havethrough certain access such as community leaders, religious sentiment and a bigprofit. The analysis showed that there are 3 patterns investor's decision to join the business money game that is based on Impact 1. Halo Effect 2. Rationality Value 3. Rational choice.;The study of the mechanism of fraud in the business of money the game is not only seen from how the actors provide information and conduct therecruitment process. Problems regarding money games are usually only see fromthe viewpoint of the perpetrators, but to see the fraud in this business for moredetail also have to look at from the side of the victim. This study use secondarydata from Police BAP and newspaper. This study use Blau Thought about SocialExchange as main theory about power dependence and value system frominvestor. So that the power that the powerful side will offer brochures and agentsto those who ordered (investors) using the values that are relevant to the ordered.So that the ordered will decide to join using a system of values that they havethrough certain access such as community leaders, religious sentiment and a bigprofit. The analysis showed that there are 3 patterns investor's decision to join the business money game that is based on Impact 1. Halo Effect 2. Rationality Value 3. Rational choice., The study of the mechanism of fraud in the business of money the game is not only seen from how the actors provide information and conduct therecruitment process. Problems regarding money games are usually only see fromthe viewpoint of the perpetrators, but to see the fraud in this business for moredetail also have to look at from the side of the victim. This study use secondarydata from Police BAP and newspaper. This study use Blau Thought about SocialExchange as main theory about power dependence and value system frominvestor. So that the power that the powerful side will offer brochures and agentsto those who ordered (investors) using the values that are relevant to the ordered.So that the ordered will decide to join using a system of values that they havethrough certain access such as community leaders, religious sentiment and a bigprofit. The analysis showed that there are 3 patterns investor's decision to join the business money game that is based on Impact 1. Halo Effect 2. Rationality Value 3. Rational choice.]"

"Perusahaan yang memiliki arus kas dalam bentuk valuta asing akan mempunyai risiko terhadap fluktuasi valas. Sejak krisis ekonomi melanda Indonesia, Rupiah terdepresiasi terhadap hampir semua mata uang asing termasuk Dollar Amerika. Hal ini mempunyai dampak yang besar terhadap kondisi keuangan perusahaan yang melakukan perdagangan internasional, terutama perusahaan yang memiliki hutang dalam valuta asing, karena jumlah yang harus dibayar bertambah besar. Krisis ini menyebabkan perusahaan menanggung kerugian yang cukup besar.Salah satu cara yang dapat digunakan oleh perusahaan untuk mengurangi risiko dari valuta asing adalah dengan menerapkan strategi hedging. Penelitian ini mencoba mengetahui Teknik hedging mana yang memberikan keuntungan kepada PT X untuk hutang impornya yang memiliki jatuh tempo 30 hari selama periode 2004 dengan membandingkan antara penerapan strategi forward contract hedging dengan money market hedging .Hasil penelitian menunjukan bahwa dengan tidak melakukan hedging PT X akan membayar total nilai hutang impornya adalah sebesar Rp. 15.582.756.237,55. Dengan Teknik forward contract hedging jumlahnya adalah sebesar Rp. 15.633.094.495,05. Sedangkan dengan Teknik money marker hedging adalah sebesar Rp. 15.854.059.322,01 Dengan demikian dapat disimpulkan bahwa baik forward contract maupun money market, ternyata tidak dapat meminimalkan risiko fluktuasi nilai tukar Rupiah terhadap Dollar America seperti yag diharapkan oleh manajemen PT X. Meskipun demikian, berdasarkan nilai inefisiensi yang dihasilkan, forward contract hedging menghasilkan inefisiensi yang lebih kecil jika dibandingkan dengan money market. Di mana bila memilih Teknik forward contract hedging manajemen PT X akan lebih untung sebesar Rp. 220.964.826.9.Strategi hedging yang diterapkan akan memberikan kepastian cash flow perusahaan meskipun terkadang tidak selalu membuat perusahaan untung. Untuk itu perusahaan harus membuat kebijakan hedging seperti penentuan Teknik apa yang akan diterapkan, batasan nilai hutang yang harus di-hedging dan mengurangi transaksi impor mereka serta meningkatkan transaksi ekspor agar perusahaan mampu menutupi nilai hutang valuta asingnya.

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The company that has cash flow in foreign currency will face a risk from foreign currency fluctuation. Since economic crisis in Indonesia, Rupiah depreciated from all foreign currency especially US Dollar. It gave a big impact for corporate financial international trader. For a company which have payable in foreign currency this situation could make the company suffer big loss cause they have to pay more their payables than they should.

A company could use hedging strategy to minimize the risk from fluctuation of foreign currency. This research try to find which technique could give benefit for PT X's payable in foreign exchange that comes from import transaction which has maturity for 30 days during 2004. The purpose of this research is to compare between the use of forward contract and money market hedging.

According to the calculation, it is known that the company's payable in foreign exchange without hedging (open position) is Rp. 15.582.756.237,55. If company used forward contract so total of company's payable is Rp. 15.633.094.495,05. And it used money market total of company's payable is Rp. 15.854.059.322,01.

The conclusion is either forward contract and money market cannot minimize foreign exchange risk like management wish. But, forward contract hedging has less inefficiency compared to money mantel hedging.

Hedging strategy will guarantee company cash flow though sometimes it will not beneficial financially to the company. Thus, a company should employ hedging policy such as which hedging technique to be applied, the payable limitation that should be hedged, and reduce their import transactions and increase export transactions to cover company's payable in foreign exchange."

"Penelitian ini menganalisis tipologi pencucian uang dan pendanaan terorisme yang dilakukan melalui penyelenggara kegiatan penukaran valuta asing bukan bank (KUPVA BB) di Indonesia, menganalisis mitigasi risiko tindak pidana pencucian uang (TPPU) dan tindak pidana pendaaan terorisme (TPPT) pada KUPVA BB yang dilakukan oleh Bank Indonesia serta upaya optimalisasi yang dapat dilakukan oleh Bank Indonesia selaku Lembaga Pengawas dan Pengatur dalam rangka pencegahan TPPU dan TPPT pada penyelenggara KUPVA BB di Indonesia. Penelitian ini disusun dengan menggunakan metode penelitian doktrinal yang menggabungkan data-data hasil analisis penelitian doktrinal dengan data empiris yang berasal dari hasil penelitian lapangan. Penulis mendapatkan data primer yang bersumber dari wawancara dengan Pengawas KUPVA BB dan Penyusun Kebijakan KUPVA BB dari Bank Indonesia serta FGD antara Bank Indonesia dengan Kementrian/Lembaga terkait serta Bank Indonesia dengan Asosiasi KUPVA BB dan Perwakilan 10 Besar KUPVA BB yang memiliki market share terbesar secara nasional. TPPU dan TPPT menjadi ancaman bagi negara Indonesia baik ancaman terhadap stabilitas perekonomian dan integritas sistem keuangan, ancaman terhadap kredibilitas Indonesia di mata internasional, ancaman terhadap risiko investasi dan TPPT menjadi ancaman bagi kedaulatan NKRI. Undang-Undang Nomor 4 tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK) memberikan legal mandat kepada Bank Indonesia selaku Lembaga Pengawas dan Pengatur bagi Penyelenggara KUPVA BB. Penyelenggara KUPVA BB rentan dimanfaatkan pelaku kejahatan untuk melakukan TPPU dan TPPT sehingga Bank Indonesia perlu melakukan upaya mitigasi risiko TPPU dan TPPT pada Penyelenggara KUPVA BB. Tingginya risiko TPPU dan TPPT pada KUPVA BB, perkembangan teknologi, implementasi UU P2SK, kondisi geografis negara Indonesia yang berbatasan dengan negara-negara lain serta status keanggotaan negara Indonesia sebagai Full Member FATF perlu ditindaklanjuti dengan upaya optimalisasi pencegahan TPPU dan TPPT pada penyelenggara KUPVA BB oleh Bank Indonesia baik dari sisi pengaturan, perizinan dan pengawasan, maupun kerjasama dengan Kementrian/Lembaga lain

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This research analyzes the typology of money laundering and terrorism financing conducted through non-bank foreign exchange providers (KUPVA BB) in Indonesia. It also examines the mitigation of money laundering (TPPU) and terrorism financing (TPPT) risks in KUPVA BB carried out by Bank Indonesia, as well as optimization efforts that can be undertaken by Bank Indonesia as the Supervisory and Regulatory Institution in preventing TPPU and TPPT among KUPVA BB providers in Indonesia. The study is structured using a doctrinal research method, combining data from the doctrinal analysis with empirical data obtained from field research. The primary data is sourced from interviews with supervisors of KUPVA BB and policy makers from Bank Indonesia, as well as Focus Group Discussions (FGD) between Bank Indonesia, relevant Ministries/Agencies, and the Association of KUPVA BB along with the Top 10 Representatives of KUPVA BB with the largest national market share. TPPU and TPPT pose threats to Indonesia, impacting economic stability, the integrity of the financial system, the country's credibility internationally, and investment risks, with TPPT further endangering the sovereignty of the Republic of Indonesia. The Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (UU P2SK) legally mandates Bank Indonesia as the Supervisory and Regulatory Institution for KUPVA BB providers. KUPVA BB providers are vulnerable to exploitation by criminals engaging in money laundering (TPPU) and terrorism financing (TPPT). Therefore, Bank Indonesia needs to make efforts to mitigate TPPU and TPPT risks among KUPVA BB providers. The high risks of TPPU and TPPT in KUPVA BB, technological advancements, the implementation of UU P2SK, Indonesia's geographical conditions bordering other countries, and Indonesia's status as a Full Member of FATF require follow-up actions to optimize the prevention of TPPU and TPPT among KUPVA BB providers by Bank Indonesia. This optimization includes regulatory measures, licensing and supervision, as well as collaboration with other Ministries/Agencies."

"Kelas sosial-ekonomi bawah memiliki properti dan akses yang minim termasuk di dunia digital modern seperti game online. Penelitian ini berusaha mengungkap strategi remaja kelas sosial-ekonomi bawah dengan segala kekurangannya dalam game Mobile Legends Bang Bang (ML). Penelitian dilakukan melalui pendekatan kualitatif dengan metode etnografi. Teknik pengumpulan data yang digunakan yaitu observasi partisipatif, wawancara dan studi literatur. Informan adalah remaja kelas sosial-ekonomi bawah dan menengah dalam bentuk perorangan dan tim sebagai pembanding. Hasil penelitian yaitu remaja kelas sosial-ekonomi bawah mengalami kesulitan akses dan minimnya properti pendukung untuk bermain game online yaitu masalah kualitas gawai rendah, jarang memiliki kuota, jaringan buruk dan kurang pengetahuan atas sistem dan istilah game online ML. Strategi yang digunakan remaja kelas sosial-ekonomi bawah dalam game ML yaitu dengan trash-talking berupa ancaman, ejekan, dan gangguan verbal di kolom chat. Selain itu, ketidaktahuan akan sistem dan penggunaan istilah trash-talking mengganggu konsentrasi lawan sehingga membuka peluang menang dalam game. Maka, minimnya properti dan akses yang membuat remaja kelas sosial-ekonomi bawah kurang memiliki pengetahuan tentang sistem ML dan istilah di dalam game tersebut secara tidak sengaja telah menjadi keuntungan bagi kemenangan dalam game

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The lower socio-economic class has minimal property and access in the modern digital world such as online games. This study seeks to reveal the strategy of the lower socio-economic class with all its shortcomings in the Mobile Legends Bang Bang (ML) game. The research was conducted through an ethnographic approach. Data collection techniques used are participatory observation, interviews and literature studies. Informants are teenagers of lower and middle socio-economic class in the form of individuals and teams as comparisons. The results of the study are that the lower socio-economic class has difficulty accessing and the lack of supporting properties for playing online games, namely the problem of low devices, rarely having quotas, poor networks and lack of knowledge of ML online game systems and terms. The strategy used by lower socio-economic class teenagers in ML games is trash-talking in the form of threats, ridicule, and verbal disturbances in the chat column. In addition, ignorance of the system and the use of the term trash-talking disturbs the concentration of opponents, thus opening up chances of winning in the game. Thus, the lack of property and access that makes the socio-economic class teenagers less knowledgeable about the ML system and terms in the game has inadvertently become an advantage for winning in the game.

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"Know Your Customer Principles is a certainty that should be done by a bank in Indonesia as means to prevent and eradicate money laundering criminal act, which are now days become International attention that is joined in Financial Task Force on Money Laundering (FATF), where this institutions still put Indonesia into a country that has not applied money laundering resistant. Besides, considering that banking still dominate financial development tin Indonesia therefore money laundering criminal act should be prevented.

The aim of this thesis research is to know how the apply of Know Your Customer (KYC) principles to prevent money laundering criminal act in bank.

This thesis has been completed by using normative taw research. The secondary data is collected cy conducting library research in form of primary document and data study as the data instruments which collected by using field research in form of interviews to several branches, customer and the person who has authority in the implementation of Know Your Customer (KYC) principles.

Based on the collected data and analysis that has been done by using qualitative descriptive method, it can be concluded that the bank has made a policy and procedure of applying of Know Your Customer (KYC) principles as written by Law Number 1512402 On Money Laundering Criminal Act. However, the apply of Know Your Customer (KYC) principles has not been done perfectly as a unity which covers the procedure of knowing customer, the procedure of identification and verification customer, the procedure of evaluating and reporting which caution chances for people to do money laundering criminal. In the same word, we can say that the apply of Know Your Customer (KYC) principles has not been perfectly prevent and minimize money laundering crime."

"Niat pembelian in-game item pada game online telah menarik perhatian pada beberapa penelitian. Sebagian besar studi didasarkan pada faktor rasional. Penelitian ini menganalisis niat beli in-game item pada game online first-person shooter (FPS) dengan faktor rasional, faktor individu, faktor irasional, dan faktor yang berhubungan dengan game. Survei online dilakukan kepada 107 pemain Valorant, CS:GO, Fortnite, Apex Legends, atau PUBG: BATTLEGROUNDS. Structural equation modeling (SEM) dari data yang dikumpulkan menunjukkan bahwa niat untuk membeli ­in-game item pada game online FPS tidak hanya dipengaruhi oleh faktor rasional, tetapi juga oleh faktor individu, faktor irasional, dan faktor terkait game.

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The purchase intention of in-game items in online games has attracted the attention of several studies. Most of the studies are based on rational factors. This study investigated determinants of purchase intention of in-game items on first-person shooter (FPS) online games with rational factors, individual factors, irrational factors, and game-related factors. An online survey was conducted with 107 players of Valorant, CS:GO, Apex Legends, or PUBG: BATTLEGROUNDS. Structural equation modeling (SEM) of the collected data showed that the purchase intention of in-game items on FPS online games was influenced not only by rational factors, but also by individual factors, irrational factors, and game-related factors.

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