Legal Framework and Employee Liability in Banking Compliance and Crime Prevention: The Case Analysis of Indonesia

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1.	Title	Title of document	Legal Framework and Employee Liability in Banking Compliance and Crime Prevention: The Case Analysis of Indonesia
2.	Creator	Author's name, affiliation, country	Prawitra Thalib; Postgraduate School, Faculty of Law Universitas Airlangga; Indonesia
2.	Creator	Author's name, affiliation, country	Faizal Kurniawan; Faculty of Law, Universitas Airlangga; Indonesia
2.	Creator	Author's name, affiliation, country	Syauqina Maghfirah Salsabila; Postgraduate School, Universitas Airlangga; Indonesia
2.	Creator	Author's name, affiliation, country	Mohamad Nur Kholiq; Postgraduate School Universitas Airlangga; Indonesia
3.	Subject	Discipline(s)
3.	Subject	Keyword(s)	Banking Crimes; Bank Employee Liability; Credit Decision Maker; Non-Performing Loans; Prudential Principle
4.	Description	Abstract	These banking crimes, such as fictitious credit, are a significant issue in the banking sector. These crimes involve fraud, such as collusion between bank personnel and affected consumers, leading to losses for banks, clients, the public, and the government. This study provides a comprehensive analysis of the legal implications of employee misconduct in banking, particularly in non-performing loans, focusing on prudential banking principles and statutory regulations. This study used a legal research method with a statutory, conceptual, and case approach. The study reveals the role of bank employees in ensuring bank compliance and preventing banking crimes. It highlights the responsibilities of Credit Decision Makers, Credit Analysts/Marketing, and Credit Administration in ensuring compliance with prudential principles. The author suggests that violations of Article 49 paragraph (2) letter a in Indonesia Banking Law should be classified as banking crimes rather than corruption crimes. A proactive approach from all banking elements, including internal audits and government support, is needed to prevent such crimes. The study also concludes that the legal liabilities of bank employees in non-performing loan cases primarily stem from breaches of prudential principles
5.	Publisher	Organizing agency, location	Faculty of Law, Universitas Sebelas Maret
6.	Contributor	Sponsor(s)
7.	Date	(YYYY-MM-DD)	2025-01-04
8.	Type	Status & genre	Peer-reviewed Article
8.	Type	Type
9.	Format	File format	PDF
10.	Identifier	Uniform Resource Identifier	https://jurnal.uns.ac.id/yustisia/article/view/93370
10.	Identifier	Digital Object Identifier	https://doi.org/10.20961/yustisia.v13i3.93370
11.	Source	Title; vol., no. (year)	Yustisia; Vol 13, No 3: December 2024
12.	Language	English=en	en
13.	Relation	Supp. Files	Untitled (926KB)
14.	Coverage	Geo-spatial location, chronological period, research sample (gender, age, etc.)
15.	Rights	Copyright and permissions	Copyright (c) 2024 Prawitra Thalib, Faizal Kurniawan, Syauqina Maghfirah Salsabila, Mohamad Nur Kholiq This work is licensed under a Creative Commons Attribution 4.0 International License.