Penyalahgunaan Kewenangan Pejabat Bank dalam Kredit Bermasalah: Kajian Putusan MA Nomor 8506 K/PID.SUS/2025

Ade Nugroho; Aris Machmud; Suartini Suartini

doi:10.55606/eksekusi.v4i4.2858

Authors

Ade Nugroho Universitas Al Azhar Indonesia
Aris Machmud Universitas Al Azhar Indonesia
Suartini Suartini Universitas Al Azhar Indonesia

DOI:

https://doi.org/10.55606/eksekusi.v4i4.2858

Keywords:

Abuse of Authority, Banking Compliance, Banking Crime, Criminal Liability, Discharge Judgment

Abstract

This study examines the legal implications of Cassation Decision No. 8506 K/Pid.Sus/2025, which represents an important milestone in the development of banking criminal law in Indonesia. Through this decision, the Supreme Court overturned the acquittal (onslag van alle rechtsvervolging) previously rendered by the Central Jakarta District Court in Decision No. 1/Pid.Sus/2025/PN Jkt.Pst. The case involved a bank officer who managed non-performing loan facilities in a manner inconsistent with internal banking procedures and the legal standards established under Indonesian banking regulations. This research aims to analyze the Supreme Court’s legal reasoning in reversing the lower court’s judgment and to examine the application of Article 49 paragraph (2) letter b of the Banking Law to the defendant’s conduct. A normative legal research method was employed using statutory, conceptual, and case approaches. The analysis relied on primary legal materials, including legislation, court decisions, and relevant legal literature. The findings indicate that the Supreme Court identified errors in the application of legal principles by the judex facti and concluded that the defendant’s conduct exceeded the scope of a mere administrative violation. The intentional disregard of mandatory procedures constituted an abuse of authority that endangered legal compliance and exposed both the debtor and the banking institution to potential losses. The decision further clarifies the distinction between civil liability and banking criminal offenses while strengthening the principle of criminal accountability for bank officials in exercising their authority.

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