Bank Debtors Sentenced; OJK Reveals Fictitious Credit Case at BPR Duta Niaga Pontianak

JAKARTA – The Financial Services Authority (OJK) has recorded that bank debtors proven to have committed criminal acts in the banking sector are subject to criminal sanctions in accordance with legal provisions.

This law enforcement is reflected in the banking crime case at PT BPR Duta Niaga Pontianak. The court ruling in this case became legally binding on 6 February 2026.

M. Ismail Riyadi, Head of the OJK’s Department of Financial Literacy, Inclusion, and Communication, explained that the case originated from OJK’s supervisory process.

The supervision was followed by special examination, investigation, and prosecution.

“This case originated from the results of OJK supervision which was followed up through special examination, investigation, and prosecution,” Ismail stated in a press conference on Sunday (15 March 2026).

The recorded violations occurred in bookkeeping, business activity reports, transaction documents, and bank accounts.

The perpetrators also obtained credit facilities in violation of applicable regulations.

The offenders were charged under Article 49 paragraph (2) letter (a) as regulated in Article 14 number 54 second part concerning Banking Chapter IV of Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector.

The case also referenced Law Number 1 of 2026 on Criminal Penalty Adjustment and Law Number 20 of 2025 on the Criminal Procedure Code (KUHAP).

The Pontianak District Court ruling in case number 450/Pid.Sus/2025/PN Ptk imposed sentences on the suspect with initials AS.

AS was sentenced to one year in prison and a fine of Rp250 million.

HS was sentenced to one year in prison and a fine of Rp400 million. A bank employee was also found guilty in this case.

ZB, who served as Chief Executive Officer, was sentenced to four years in prison and a fine of Rp600 million.