Witness Reveals Why He Approved Billions in Credit for Rezky Herbiyono: Nurhadi's Son-in-Law

A bank branch manager and credit committee chairman, Andi Darma, has revealed the considerations behind approving tens of billions of rupiah in credit to Rezky Herbiyono. Andi said the approval was granted because Rezky was the son-in-law of Nurhadi, who at the time still served as Secretary of the Supreme Court.

Andi made the statement while testifying at the gratification and money laundering trial at the Jakarta Corruption Court on Friday (20 February 2026). He initially explained that his team had conducted a Bank Indonesia background check on Rezky’s banking track record and conducted an interview before approving the credit application.

“Regarding Rezky Herbiyono at the time, what were the personal factors that became your consideration?” the prosecutor asked.

“For the personal factors regarding Rezky himself, we looked at his banking track record through what is called a BI check. We checked the BI records and found that under his personal name, Rezky Herbiyono had never had any non-performing or delinquent loans at other banks,” Andi replied.

“Secondly, we also looked at the interview with the individual concerned, to understand whether he truly understood the business. From the interview, he demonstrated an understanding of the business he was running,” Andi continued.

The prosecutor then read out Andi’s examination report number 30, which noted that the figure of Nurhadi as Supreme Court Secretary and Rezky’s father-in-law was also a supporting factor in granting the credit. However, the consideration of Nurhadi’s status was not recorded in the formal credit process documents.

The prosecutor asked Andi to confirm the contents of the report, which he did.

“This is in point 30 of your examination report. With the court’s permission, we shall read it: ‘The basis for granting credit to Rezky Herbiyono was that, in extending the credit, I as branch manager and credit committee chairman considered the results of the analysis and financial statements, account transactions, business existence, and the value of collateral placed against the credit, all of which were set out in the credit proposal,’” the prosecutor read.

“‘In addition, the figure of Nurhadi as Secretary of the Supreme Court and also as the father-in-law of Rezky Herbiyono was a supporting factor for me in accepting the credit application in the name of Rezky Herbiyono. However, this was not recorded in the formal credit process documents.’ Is that correct, sir?” the prosecutor continued.

“Yes, that is correct, sir,” Andi replied.

Andi admitted he had never met Nurhadi during the processing of Rezky’s credit. He acknowledged that Nurhadi’s status as Rezky’s father-in-law was one of the considerations in the credit decision.

“Had you previously met Mr Nurhadi?” the prosecutor asked.

“During the credit process, I had not yet met him, sir,” Andi replied.

“Even though you had never met him, it still became a consideration, sir?” the prosecutor asked.

“Yes, because as I mentioned earlier, sir, in assessing character, I look at the debtor’s family. This family includes parents, in-laws — what their social position is like — and that also has an influence on the credit decision,” Andi answered.

The prosecutor then examined the remaining debt from Rezky’s credit repayment. Andi stated there was still an outstanding balance of Rp 34 billion for a mortgage on a Patal Senayan property and Rp 30 billion for CV Herbiyono Perkasa.

“So could you explain the total debt?” the prosecutor asked.

“For the principal amount, as I recall, the remaining balance on the Patal Senayan mortgage is Rp 34 billion, while for CV Herbiyono Perkasa it is still Rp 30 billion,” Andi replied.

The prosecutor also examined the collateral in the credit process. Andi said the outstanding debt was covered by the collateral on the credit facility.

“Have you calculated those debts against the existing collateral before your transfer?” the prosecutor asked.

“Yes, the existing collateral does in fact cover the debt, sir, because from the outset when we processed the credit, collateral was one of the analytical factors,” Andi answered.

Charges Against Nurhadi

Nurhadi has been charged with receiving gratification totalling Rp 137 billion. The prosecution said the gratification was received from litigants within the court system at the first instance, appellate, cassation, and judicial review levels.

“He committed several acts that must be regarded as independent offences constituting multiple crimes — receiving gratification, namely receiving money totalling Rp 137,159,183,940 from litigants within the court system at the first instance, appellate, cassation, and judicial review levels,” the prosecutor said while reading the indictment at the Central Jakarta Corruption Court on Tuesday (18 November 2025).

The prosecution stated the gratification was received during the period from July 2013 to 2019, whilst Nurhadi was still serving as Supreme Court Secretary or after leaving the position. The receipt of these funds was contrary to Nurhadi’s duties and obligations.

The prosecution said Nurhadi received the gratification using bank accounts belonging to his son-in-law Rezky Herbiyono and accounts of other individuals directed by Nurhadi and Rezky. The gratification was received in stages.

Nurhadi has also been charged with money laundering totalling Rp 307 billion and USD 50,000. The prosecution said the funds were placed by Nurhadi into various bank accounts and used to purchase land, buildings, and a number of vehicles.