inp.polri.go.id - Riau. Two suspects identified by Riau Regional Police in the alleged crime of corruption involving a State-owned (BUMN) bank in Pelalawan Regency, Riau.
The Special Criminal Investigation Directorate of Riau Regional Police, Senior Superintendent Ade Kuncoro Ridwan says that the case was linked to providing fictitious credit which caused state losses of almost IDR 8 billion.
In his statement, Ade says that the case investigation has been going for quite some time, from November 13th, 2024, where the authorities found irregularities in the provision of credit facilities to a number of debtors at a state-owned bank unit located in Pangkalan Kerinci, Pelalawan Regency.
Strong suspicions point to fictitious credit disbursement practices, where the loan disbursement process was carried out without complying with the bank's internal terms and conditions.
In the initial stages of the investigation, investigators named a former bank employee with the initials LF, who previously served as a Credit Marketer, as a suspect. LF is suspected of playing a central role in the problematic credit application process.
"The suspect, LF, is a bank employee tasked with processing credit applications. He is suspected of being involved in processing data that does not reflect the actual conditions on the ground," he explained.
LF was named a suspect on August 21, 2025, and the case file was immediately sent to the investigating prosecutor the following day.
From a further investigation, police found a new suspect from outside the bank. A woman with the initials RA was later named a new suspect.
RA was identified as a third party tasked with gathering data on prospective debtors, but is suspected of assisting in falsifying or manipulating that data.
Furthermore, based on the results of the investigation, it was discovered that the modus operandi used by the two suspects was to apply for micro-business loans through the People's Business Credit (KUR) and Village Credit (KUPRA) programs.
This fraudulent practice is known to have occurred from January 16 to August 3, 2024. Based on an audit by the Riau Representative Office of the Financial and Development Supervisory Agency (BPKP), the state financial losses resulting from these fictitious loans reached IDR 7.975 billion.
"For their actions, the two suspects are being charged under Article 2 paragraph (1) and/or Article 3 of Law of the Republic of Indonesia Number 31 of 1999 concerning the Eradication of Criminal Acts of Corruption, as amended by Law Number 20 of 2001, in conjunction with Article 55 paragraph (1) point 1 of the Criminal Code concerning complicity in criminal acts of corruption," he concluded.
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