Efektifitas Penegakan Hukum Tindak Pidana Perbankan

Abstract

Banking crimes are a form of economic crime that has extensive impacts on society and the national economy. This research aims to analyze the legal regulation of banking crimes within the Indonesian legal system and their implementation in handling concrete cases. The research employs a normative juridical legal method with a statutory and court decision approach, utilizing both primary and secondary legal materials. The findings indicate that the regulation of banking crimes in Indonesia is relatively comprehensive, particularly through Law Number 10 of 1998 concerning Banking, Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering Crimes, and Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector. The implementation of these laws in practice, as reflected in several court decisions, demonstrates the seriousness of law enforcement authorities in combating banking crimes. Nevertheless, challenges remain, including weak internal bank supervision and a legal culture that has not yet fully supported compliance.The study concludes that the effectiveness of law enforcement against banking crimes requires stronger regulations, enhanced supervision, and improvements in legal culture as well as public financial literacy.