Female Bank Employee in Bantul Arrested for Fictitious Credit Scheme Causing Rp 711 Million in Losses
Police have apprehended a woman employed by a state-owned bank in Sanden, Bantul, for corruption that has caused state losses amounting to hundreds of millions of rupiah. The perpetrator utilised fictitious credit schemes and demanded fees for every loan disbursed through brokers.
The Head of Criminal Investigation at Bantul Police, AKP Achmad Mirza, stated that the perpetrator, identified by the initials AIIM (37), is a resident of Bantul. She began working at the state-owned bank in Sanden, Bantul, in 202<0xA0>21.
As a credit officer (mantri) at the bank, AIIM initiated People’s Business Credit (KUR) for 252 customers with a total ceiling of Rp 7.6 billion in 2021. In 2022, she initiated further KUR for 437 customers with a ceiling of Rp 14 billion.
“In 2024, the bank detected irregularities and conducted an internal audit,” he told reporters at the Bantul Police Headquarters on Thursday (25/6/2026).
Following an audit request due to indications of fraud at the Bantul branch, an investigation was conducted on 29 customers. These included 20 KUR customers, 7 Kupedes Rakyat (KUPRA) customers, and 2 Fast Credit (KECE) customers initiated by AIIM.
“The results showed that the perpetrator utilised referrals of potential debtors from third parties/brokers. Credit application documents were handed to these brokers, and the officer is indicated to have altered postal codes and created fictitious business addresses,” said Achmad.
Furthermore, part or all of the disbursed credit proceeds were used by third-party brokers, who charged a 10% fee. The potential loss based on the internal audit reached Rp 1,155,930,716.
Due to the confirmed irregularities, the bank conducted a follow-up audit through the Regional Financial and Development Supervisory Agency (BPKP) of the Special Region of Yogyakarta. The audit confirmed state losses.
“It turns out that the credit initiatives undertaken by AIIM violated several regulations, resulting in state losses of Rp 711,780,129. This loss figure only accounts for the examination of 20 customers in Sanden,” said Achmad.
Based on this evidence, the bank reported AIIM to the Bantul Police in 2024, leading to her arrest in April 2026.
“From the investigation, there were three modes of operation. First, through third parties involving fictitious credit, where the customer data did not actually apply for a loan. Second, requesting individuals to take out loans in exchange for a 10% fee from the disbursement. Third, requesting ID cards or identities from potential victims to use as requirements for loan applications,” he continued.
Regarding the involvement of brokers, Achmad noted they did not originate from within the state-owned bank, though he did not rule out the possibility of new suspects in the case.
“We are still investigating other potential perpetrators,” he said.
As for the proceeds from the corruption, Achmad stated they were used for AIIM’s personal needs. He added that the details of these expenditures are still being investigated.
AIIM faces charges of corruption under the Indonesian Criminal Code and the Law on the Eradication of Corruption Crimes. She faces a minimum sentence of 2 years and a maximum of 20 years in prison.