PERTANGGUNG JAWABAN PERDATA PELAKU TINDAK PIDANA PENCUCIAN UANG TERHADAP KERUGIAN KORBAN DALAM PERSPEKTIF HUKUM PERDATA DI INDONESIA

Abstract

Money laundering has become a serious crime and threatens the economy, the integrity of the financial system, and public trust in financial institutions. This phenomenon has grown rapidly with advances in information technology and economic globalization. This article aims to examine the civil liability of perpetrators of money laundering for victims' losses, focusing on the perspective of Indonesian civil law, which refers to applicable laws and regulations and recent developments in Indonesian legal practice. This research uses a normative juridical method with a descriptive approach through document and literature review. The results indicate that despite existing regulations governing money laundering, the implementation of civil liability for victims' losses still faces various challenges in practice. It is recommended to strengthen the role of civil law in providing greater protection for victims and clarify the mechanism for restitution.