Financial Services Authority Ensures Law Enforcement; Suspected BPR Fraud Perpetrator in Pontianak Imprisoned

Jakarta, CNBCIndonesia — The Financial Services Authority (OJK) has reaffirmed that bank debtors proven to have committed banking-related criminal acts are subject to criminal penalties as stipulated in applicable laws and regulations.

The OJK’s commitment to enforcing these provisions is evident in the banking crime case involving PT BPR Duta Niaga Pontianak, which has obtained a final court judgment on 6 February 2026.

The case originated from OJK oversight activities that were followed up through special inspections, investigations, and formal prosecution proceedings.

The debtors were proven to have deliberately caused or assisted directors’ actions that resulted in falsified records in accounting books, business activity reports, documents, and bank transaction or account reports, including through receipt of credit facilities that did not comply with regulations.

“For their actions, the perpetrators were charged under Article 49 paragraph (2) letter a in Article 14 number 54 section two regarding Banking Chapter IV of Law No. 4 of 2023 on the Development and Strengthening of the Financial Sector, Law No. 1 of 2026 on Adjustment of Criminal Penalties, and Law No. 20 of 2025 on the Criminal Procedure Code, as well as other applicable legislation,” the OJK stated in its announcement released on Sunday (15 March 2026).

Based on the Pontianak District Court judgment handed down on 6 February 2026 in case number 450/Pid.Sus/2025/PN Ptk, defendant AS was sentenced to one year imprisonment and a fine of 250 million rupiah, whilst in case number 449/Pid.Sus/2025/PN Ptk, defendant HS received one year imprisonment and a fine of 400 million rupiah.

In addition to the debtors, BPR employees were also found guilty. ZB, as Chief Executive Director, was sentenced to four years imprisonment and a fine of 600 million rupiah, whilst DD, as Operations Director, received three years and six months imprisonment and a fine of 600 million rupiah.

This law enforcement action demonstrates the commitment to maintaining banking sector integrity and serving as a deterrent against those who deliberately misuse banking financing facilities.

The public is urged to always act honestly and transparently when applying for credit facilities and to use borrowed funds in accordance with their agreed purpose.