Legal Accountability in the Bank Jatim Fake Credit Case: Juridicial Review and Liability in Civil and Criminal Law
Keywords:
Bank Jatim, Fictitious Credit, Modus Operandi, Legal LiabilityAbstract
The case of alleged fictitious loans at Bank Jatim Jakarta Branch, which reached Rp569.4 billion, highlights serious problems in banking management, especially in the provision of credit facilities. This study aims to identify the modus operandi used in the case and analyze the legal liability that can be imposed on the perpetrators. The research method used is normative juridical with a legal and regulatory approach, as well as case analysis based on data obtained from primary and secondary sources. The results of the study show that the modus operandi in this case involves abuse of authority in the credit-granting process, falsification of documents, and negligence in the application of the principle of banking prudence. From a legal aspect, liability in this case can include criminal sanctions based on the Corruption Crime Law as well as civil and administrative liability to the parties involved for the losses suffered. These findings underscore the urgency of strengthening internal banking supervision and the implementation of strict sanctions to prevent the recurrence of similar cases.
Downloads
References
Annaa, S. W., Simanjuntak, H. P. G. H., & Ayudia, M. (2024). Tanggung Jawab Hukum Bank dalam Kasus Kebocoran Data Nasabah. Jurnal Multidisiplin Ilmu Akademik, 1(6), 129–135.
Argiansyah, H. Y., Rosiana, S., & Aulia, A. (2024). Pertanggungjawaban Tindak Pidana Korupsi Kredit Fiktif Pada Bank Perkreditan Rakyat Karya Remaja Indramayu. QUANTUM JURIS: JURNAL HUKUM MODERN, 6(1), 26–40.
Bhirawa. 2025. “Skandal Kredit Fiktif Bank Jatim, DPRD Desak Pansus.”, from https://harianbhirawa.co.id/skandal-kredit-fiktif-bank-jatim-dprd-desak-pansus/.
Effendi, E. (2014). Hukum Pidana Indonesia: Suatu Pengantar. Bandung: Refika Aditama.
Indonesia, CNN. 2025. “Kejati Jakarta Tetapkan 4 Tersangka Korupsi Kredit Fiktif Bank Jatim.”, from https://www.cnnindonesia.com/nasional/20250304174519-12-1205039/kejati-jakarta-tetapkan-4-tersangka-korupsi-kredit-fiktif-bank-jatim.
Jatim, Antara News. 2025. “Anggota DPRD Dorong Pembentukan Pansus Bank Jatim.”, from https://jatim.antaranews.com/berita/895901/anggota-dprd-dorong-pembentukan-pansus-bank-jatim.
Malik, F. A., Hadipati, P., Ariansah, F., Satrio, M., Erviana, V., & Siswajanthy, F. (2024). Tanggung Jawab Bank Kepada Nasabah Dalam Kasus Kredit Fiktif Yang Melibatkan Pegawai Bank. ALADALAH: Jurnal Politik, Sosial, Hukum Dan Humaniora, 2(2), 1–9.
Muhammad, R., Makhfud, A., Ananta, B. R., Robbani, M., & Arsy, F. (2024). Legal Analysis of Law Enforcement In The Fraud Case At Bank Jago. Journal Management & Economics Review, 23, 97–104.
Saleh, R. (1982). Pikiran-Pikiran Tentang Pertanggungjawaban Pidana. Jakarta: Ghalia Indonesia.
Sari, S. A. K. (2019). Pertanggungjawaban Pidana Terhadap Tindak Pidana Korupsi Kredit Fiktif Berdasarkan Undang Undang Nomor 31 Tahun 1999 Jo. Undang Undang Nomor 20 Tahun 2001 tentang Pemberatasan Tindak Pidana Korupsi. Panji Keadilan: Jurnal Ilmiah Nasional Mahasiswa Hukum, 2(2), 139–154.
Tempo. 2025. “Kronologi Kasus Korupsi Kredit Fiktif Bank Jatim, Begini Modus Operandinya.”, from https://www.tempo.co/hukum/kronologi-kasus-korupsi-kredit-fiktif-bank-jatim-begini-modus-operandinya-1216055.
Widiyastuti, S. M. (2020). Asas-Asas Perdata (Bagian Pertama). Yogyakarta: Cahaya Atma Pustaka.
