Medan – The North Sumatra United Student and Community Coalition (KMMB SUMUT) is pressing the North Sumatra High Prosecutor’s Office and North Sumatra Police to take immediate firm action on two major issues it claims are plaguing Bank Syariah Indonesia (BSI). During a protest action, KMMB SUMUT Chairman Sutoyo SH emphasized that the series of alleged irregularities are not merely technical problems, but a serious indication of weak integrity and internal oversight at BSI.
Sutoyo stated that the two high-profile cases currently in the spotlight are a loud warning that BSI’s governance “is not in good shape.” He argued the issues must be a top priority for law enforcement, as they directly impact public trust in Islamic financial institutions.
Alleged Irregularities in PT Asam Jawa Financing
KMMB SUMUT revealed allegations of irregularities in a Rp32.4 billion financing facility for the Employee Cooperative of PT Asam Jawa between 2016–2018, disbursed by former Bank Syariah Mandiri top official Ahmad Yani. Based on public reports reviewed by KMMB, there are strong indications of impropriety, ranging from violations of prudence principles to alleged involvement of bank officials.
The coalition also highlighted that some recipients of the financing were not PT Asam Jawa employees but were still approved. This finding points to alleged potential state losses of Rp17.8 billion. “There are dozens of anomalies that cannot be ignored. If state losses are confirmed, the North Sumatra High Prosecutor’s Office and North Sumatra Police must summon, examine, and name suspects,” Sutoyo said. He noted the case has dragged on for too long without significant progress.
MSR Account Freeze: Rp507 Million Still Unrecovered
In addition, KMMB SUMUT is highlighting the case of BSI KCP Aksara customer MSR, whose account was frozen without clarity on March 14, 2025. As a result, MSR claims to have lost access to Rp534 million in funds, of which Rp507 million remains unrecovered to this day.
According to the victim’s report to KMMB, the bank provided no legal basis or clear reason for the freeze. MSR was even asked to open a new account without a justifiable explanation. “If this action was taken without a clear legal basis, the BSI KCP Aksara manager must be held accountable. Freezing without proper procedure is a violation of consumer rights and banking principles,” Sutoyo stressed. The coalition has demanded the report filed with North Sumatra Police be processed quickly, transparently, and professionally.
Major Action Phase II: December 15, 2025
As a form of moral pressure, KMMB SUMUT officially announced it will hold a Major Action Phase II on December 15, 2025, if relevant institutions fail to take immediate concrete steps.
The action will be held at:
– BSI Regional Office, Jalan Kejaksaan Medan
– North Sumatra Police (if MSR’s report remains stalled)
“If the state does not act, the people will act themselves. We cannot allow such large-scale alleged irregularities to fade away without resolution. On December 15, North Sumatra will speak out,” Sutoyo said.
KMMB SUMUT’s Official Demands
1. The North Sumatra High Prosecutor’s Office immediately process KMMB’s report and name suspects in the alleged PT Asam Jawa financing irregularities, which are suspected to have caused Rp17.8 billion in state losses.
2. BSI be required to disclose data and provide transparent explanations regarding the freeze of MSR’s account.
3. The North Sumatra Prosecutor’s Office accelerate or take over handling of MSR’s report if it is indeed stalled.
4. The BSI KCP Aksara leadership be dismissed if proven to have acted outside banking regulations.
5. BSI Headquarters conduct a comprehensive evaluation of internal SOPs related to both cases.
