PENYIDIKAN TINDAK PIDANA PERBANKAN DALAM BENTUK KREDIT FIKTIF PADA BANK PERKREDITAN RAKYAT (BPR) MITRA DANAGUNG (Studi Pada Satreskrim Polres Pesisir Selatan)

Ichsan Ansari
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引用次数: 1

Abstract

Article 49 of Law no. 10 of 1998 concerning Banking has explicitly regulated criminal acts related to bank business. However, there are still many parties who commit criminal acts in the banking sector, one of which is fictitious credit. Like the fictitious credit that happened to the Rural Bank (BPR) Mitra Danagung, which was carried out by the Director of Bank Mitra Danagung himself, in the period from 2011 to 2012. The formulation of the problems studied in this thesis are: First, how is the investigation of banking crimes in the form of fictitious loans at BPR Mitra Danagung Bank? Second, what are the obstacles faced by the Satreskrim Investigator of the Pesisir Selatan Police in the investigation of banking crimes in the form of fictitious credit at Bank BPR MitraDanagung? This research is a legal research with a descriptive analytical specification. The main approach used is a normative juridical approach and is supported by an empirical juridical approach. The data used are secondary data as primary data, and primary data as supporting data collected through library research and field research. The data is then analyzed qualitatively and presented in a qualitative descriptive form. Based on the results of the study, it can be concluded, first, that the investigation of banking crimes in the form of fictitious credit at PBR Mitra Danagung Bank was carried out based on the principle of lex specialis derogat legi generalis. After receiving the report, the investigative team conducts an investigation and review of the report to prepare a plan for investigative activities, followed by examining witnesses and collecting evidence and expert testimony, then a case is held to determine the suspect, then arrests and detentions are made. After the filing is complete, the investigator submits the case file to the Public Prosecutor accompanied by witnesses and evidence. Second, the obstacles faced by the investigators of the Satreskrim Polres Pesisir Selatan in the investigation of banking crimes in the form of fictitious credit at Bank BPR Mitra Danagung are: the overlapping authority of investigating banking crimes as regulated by a law that gives authority to the Police, Prosecutors, and Investigators. OJK, limited human resources for investigators, level of education and low knowledge of investigators about advances in information technology, as well as supporting facilities and infrastructure in conducting investigations.
以虚构的信贷形式调查银行犯罪
中华人民共和国第49号法第四十九条1998年《银行法》第10条明确规定了与银行业务有关的犯罪行为。然而,在银行业中仍然存在着许多犯罪行为,其中之一就是虚假信用。就像发生在农村银行(BPR) Mitra Danagung的虚构信贷一样,这是由Mitra Danagung银行的董事本人在2011年至2012年期间进行的。本文研究的问题是:第一,如何调查BPR Mitra Danagung银行的虚假贷款形式的银行犯罪?第二,Pesisir Selatan警察的Satreskrim调查员在调查Bank BPR MitraDanagung的虚假信贷形式的银行犯罪时面临哪些障碍?本研究是一项描述性分析规范的法律研究。使用的主要方法是规范性司法方法,并得到经验司法方法的支持。所使用的数据是作为原始数据的二手数据,以及通过图书馆调研和实地调研收集的作为辅助数据的原始数据。然后对数据进行定性分析,并以定性描述的形式呈现。根据研究结果,可以得出以下结论:第一,PBR Mitra Danagung银行以虚构信用为形式的银行犯罪的调查是基于特殊法的原则进行的。在收到报告后,调查队对报告进行调查和审查,以编制调查活动计划,随后审查证人并收集证据和专家证词,然后进行案件审理以确定嫌疑人,然后进行逮捕和拘留。在立案完成后,调查人员在证人和证据的陪同下向检察官提交案件档案。其次,Satreskrim Polres Pesisir Selatan的调查人员在调查BPR Mitra Danagung银行虚假信贷形式的银行犯罪时面临的障碍是:根据一项赋予警察、检察官和调查人员权力的法律规定,调查银行犯罪的权力重叠。OJK,调查人员的人力资源有限,调查人员的教育水平和对信息技术进展的了解程度较低,以及开展调查的配套设施和基础设施。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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