Dinamika Mafia Perbankan dalam Kerangka Kebijakan Penegakan Hukum

Abstract

This journal analyzes the phenomenon of the "banking mafia" in Indonesia, a term that refers to illegal and harmful practices involving collusion between actors both inside and outside banking institutions. These practices encompass a variety of modus operandi, including the disbursement of fictitious loans, money laundering, financial data manipulation, and embezzlement of customer funds. The existence of the banking mafia not only undermines the integrity of the financial system but also harms the national economy, erodes public trust, and hampers the growth of the real sector. Using a multidisciplinary approach that integrates legal, economic, and criminological analysis, this journal seeks to identify the characteristics, modus operandi, impacts, and challenges in law enforcement against this form of organized banking crime. The journal aims to present policy recommendations and comprehensive strategic measures to prevent, detect, and eradicate banking mafia practices, ultimately fostering a healthy and integrity-driven financial system.