Legal Analysis of Criminal Acts Corruption Against Credit Customers/Debtors of The Limited Liability Company Bank Perekonomian Rakyat Jepara Artha (Perseroda)
Abstract
This study examines the juridical aspects of corruption involving credit/debtor customers at PT BPR Bank Jepara Artha (Perseroda) and the legal efforts to protect customers and sanction perpetrators. The research employs a normative legal approach by analyzing legislation, legal literature, research journals, and reports on banking corruption cases. The study focuses on identifying the modus operandi of fictitious credit, the role of bank employees, and the involvement of customers in corrupt practices. The findings indicate that corruption in fictitious credit cases causes significant losses to both the bank and its customers, and perpetrators can be prosecuted under Law No. 31 of 1999 jo. Law No. 20 of 2001 concerning the Eradication of Corruption Crimes. The effectiveness of legal protection for customers depends on the implementation of good corporate governance principles, internal and external audits, and whistleblowing mechanisms. Preventive and repressive legal measures must be implemented simultaneously to ensure the bank's internal oversight functions optimally and perpetrators are prosecuted fairly. The study recommends strengthening internal supervision mechanisms, providing integrity training for employees, offering legal assistance to affected customers, and enhancing coordination among law enforcement agencies to minimize the risks of collusion and document manipulation. A comprehensive legal approach is expected to improve customer protection while ensuring justice for perpetrators of corruption. This research contributes to the development of legal protection theory and its implementation in the banking sector.
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Criminal Code (KUHP)
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DOI: https://dx.doi.org/10.30659/rlj.4.4.4802-4816
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