PRIME NEWS POST
The INDONESIAN , (Jakarta)— Allegations of serious irregularities in the financial transaction recording system at PT Bank BNI Syariah have resurfaced. The case implicates internal bank officials and has now been officially reported to the Metro Jaya Regional Police by Advocate Liliana Kartika, S.H., who is also a customer and victim in this matter.
This legal action was taken after various attempts to communicate and resolve the issue with the bank were deemed to provide neither clarity nor legal certainty. Instead of transparency, the internal handling process has left numerous irregularities that potentially cause significant financial losses to customers.
Based on official documents, the initial report was filed on September 12, 2022, with reference number:
STTLP/B/4692/IX/2022/SPKT/POLDA METRO JAYA.
In the report, Liliana Kartika named Andrianto Daru Kurniawan (Head of Operations Division at PT Bank BNI Syariah) and Endang Hermawan (a related customer) as suspects for allegedly committing the criminal act of:
“Creating, eliminating, or altering records in transaction or account ledgers.”
INDICATIONS OF SERIOUS VIOLATIONS, SEVERE CRIMINAL PENALTIES
The alleged actions are not merely administrative errors but are suspected to be serious crimes violating several regulations, including:
Law No. 10 of 1998 concerning Banking (Article 49)
– Perpetrators face imprisonment of up to 15 years and fines of up to IDR 100 billion.
– Articles 55 and 56 of the Criminal Code (KUHP)
Apply to all involved parties, whether as principal offenders, instigators, or accomplices.
Law No. 21 of 2008 concerning Sharia Banking
Regulates the obligations of transparency, accountability, and honesty within the Sharia-based financial system.
If proven guilty, the implications extend beyond criminal charges, potentially leading to dismissal from office, severe administrative sanctions, and liability for substantial damages.
STARTING AS “SYSTEM ERROR”, LEADING TO ALLEGED MANIPULATION
The case originated from an official letter issued by PT Bank BNI Syariah dated November 1, 2016 (No. BNISyOPD/02/815), which explicitly acknowledged the existence of:
“calculation errors by our system in the bookkeeping process.”
Although the bank claimed to have rectified the issue and restored the balances, for Liliana Kartika, this admission opened the door to suspicions of larger-scale violations.
In a supplementary report dated July 12, 2023, it was revealed that irregularities had occurred as far back as March 2014, including:
– Recurring balance discrepancies
– Alteration of transaction data without clear justification
– Indications of non-transparent record-keeping
Furthermore, these incidents are no longer viewed as mere technical glitches, but rather as signs of a systemic and structured pattern potentially causing losses amounting to billions of rupiah.
CRITICISM OVER SLOW POLICE HANDLING
Despite being reported in 2022 and reinforced by additional evidence in 2023, the case has shown little significant progress as of 2026.
The investigation by the Special Criminal Investigation Directorate of Polda Metro Jaya is reportedly still stuck in the standard response phase: “still under process,” with no clear timeline regarding investigation stages, witness questioning, or suspect designation.
This situation has raised public questions:
Is there an imbalance in law enforcement when cases involve major financial institutions?
Liliana Kartika emphasized:
“This case already possesses strong initial evidence, including a written admission from the bank. Yet to this day, there is no clear progress. The law should not be sharp towards the weak but blunt towards the powerful.”
DEMAND: LAW ENFORCEMENT MUST BE FIRM AND TRANSPARENT
Through this legal effort, Liliana Kartika urges:
– The National Police Chief and leadership to intervene directly.
– The legal process to be conducted swiftly, transparently, and professionally.
– A full disclosure of practices that damage the integrity of the banking system.
She stressed that:
“Admitting system errors is not the end of the matter, but rather the beginning of the revelation. If allowed to drag on, this sets a dangerous precedent for public trust in banking, particularly Sharia banking.”
TEST OF INTEGRITY FOR SHARIA BANKING
This case has drawn widespread attention not only due to the potential scale of losses but also because it concerns the integrity of the national Sharia banking system.
The public awaits concrete action from law enforcement.
Not merely the status of “under process,” but tangible steps that deliver justice.
Because in law, justice delayed for too long is tantamount to justice denied.
@Reported from various media sources //photo from Google documents // contribution by Prime News Post international online media // news.paper
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