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Consistency in The Application of Prudential Banking Principles in the Provision of Banking Credit Facilities: Efforts to Prevent Potential Fraud at State-Owned Banks Amelia, Amelia; Prasetyo, Handoyo
Legitimasi: Jurnal Hukum Pidana dan Politik Hukum Vol. 14 No. 2 (2025)
Publisher : Islamic Criminal Law Department, Faculty of Sharia and Law, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/legitimasi.v14i2.32267

Abstract

State-owned banks play a strategic role in maintaining national economic stability by collecting and distributing public funds. However, lending activities often face the risk of fraud, which can erode public trust and compromise the institution's integrity. This study examines the consistency of applying the principle of prudence in the credit-granting process at state-owned banks and its relevance in preventing fraud. The main issues raised are the continued existence of credit procedure irregularities and weak internal supervision, despite the principle of prudence being clearly regulated in banking regulations. This study aims to analyze how the consistent application of prudential banking principles can prevent potential fraud in the credit-granting process at state-owned banks. The research method employed was a normative juridical approach with a qualitative orientation, involving the collection and analysis of literature reviews through library research, supplemented by interviews with state-owned banks to support the research. The study's results show that fraud often occurs due to weak internal controls, a low culture of compliance, and limited technological infrastructure. The application of prudential banking principles combined with a Good Corporate Governance (GCG) framework, ISO 31000-based risk management, and the support of digital monitoring innovations such as audit trails and early warning systems is intended to strengthen credit risk control. The integration of these policies not only highlights the potential for irregularities but also ensures that credit decisions for prospective borrowers are made in a transparent, accountable manner and in accordance with prudent banking principles.
Co-Authors Abdallah, Raffi Ikzaaz Abdul Haris Nafis Abdul Kolib Achmad Firdaus Afdhali, Dino Rizka Afifah, Dashilfa Aissyah Lintang Pramudya Aisyah Nurhalizah Aisyah, Rizka Rahadiyani Aji Lukman Ibrahim Akhmad Kautsar Fattah Alejendra Anjani, Axara Alifiandra, Muhammad Reiza Alifio Kadafi Alreindra Pradityo Wahyu Alvaro Achmad Rabbani, Radiyya Amanda Cherly Nasution Amelia Amelia Angel Evelin Anissa Nabilla Anjani Nurdin, Aulia Anni Alvionita Simanjuntak Apriyandi, Ryan Ardiana, Oktavia Dwi Arfah Naila Rahmah Aristias, Adinda Arsensius, Ricarda Atik Winanti Aurelita, Mira Avridha Riyanti Maharani Ayyasy, Rofi Azizah Arfah Azzahra, Dinda Azzahra, Nabila Adifia Bambang Waluyo Bambang Waluyo Bambang Waluyo Bayu Aji Adhyarsa Beniharmoni Harefa Bintang A, Immanuel Given Darosyifa, Tasya Darto Darto Dedin F. Rosida Dewanti, Tyur Regina Difqa Alvi Ramadhandiko Dwi Winda Lestari Edward Benedictus Roring Edward Benedictus Roring Enina Wika Vetricha Wulandari Erni Agustin Erwan Budi Herianto Fabhian Halky Syahir Fadhillah, Muhammad Arif Fadilah, Fatma Putri Fahrozi, Muhammad Helmi Falevi, Yunizar FANDY GULTOM Fauzan, Anis Fawwaz, Razky Febriyanto, Bagas Ferdiansyah, Diva Salsabila Fetty Tri Anggraeny Fikrie, Safina Nabila Gabriella, Theresia Ghifary, Fathan Muhammad Ghina Rhoudotul Jannah Halim, Wahidul Halomoan, Febrian Handar Subhandi Bakhtiar Hanifah, Nida Syahla Harsanti, Khairunnisa Putri Haryanto, Imam Hendra Parulian Heru Sugiyono Intan Riani, Marsya Irwan Triadi Iswanti Rachmanisa Izzati, Aulia Putri Jaury Douglas Pardomuan Jonathan Andreas Sitorus Kholib, Abdul Khoyron Nasir, Tomi Kusuma, Aditama Candra Laksmana Triwiraputra, Ega Limbong, Albert Sintong Lisza Nurchayatie Lois, Ariel Loren, Medina Lulu Mufidah Mahameru, Danil Erlangga Mahardika, Agus Manullang, Imelda Arthameisia Manurung, Karina Hasiyanni Maulida Fitriani Michael Giovanni Joseph Milda, Nofi Mohammad Haikal Rasyid Muhammad Athaya Primananda Muhammad Bintang Firdaus Muhammad Damar Setyo Kumoro Muhammad fauzan Mutaqin, Fadzal Nabila Putri Adelita Nada Prima Dirkareshza Nadjima, Aulia Rachmatullah Narindra, Rochella Amalia Natalia, Imelda Hera Nefrisa Adlina Maaruf Noerman, Chiquita Thefirstly Novyana, Hilda Nurfajriana, Syifa Nyndhya, Rozzyana Pakpahan, David Roger Julius Pasah, Marip Pitra Rinanti Pranitiaz, Laras Medina Putra, Alfarel Endito Putri Azzuri Putri Mufidah Putri Sartika, Mutia Ananda Putri Sejati, Presyta Nurhalida Putri, Amelia Putri, Nasywa Awalia Qinthara, Alika Faza Rahardi, Andriyan Raihan Wibowo Raka Haikal Anfasya Rania Syifa Busroni Rara Siti Sandiah Rildo Anuar Sihite Rinanti, Pitra Risa Rasmitha, Nadia Riyawan, Dara Puspita Rizal Ananda Gibran Rohmah Dwi Cahyanigsih Roring, Edward Benedictus Sabrina, Fadiah Tarisa Sachmaso, Hana Humaira Salles, Sergio Saputra, Dhimas Setya, Clarita Ayu Putri Setyarini, Astri Dewi Sigiro, Talenta Ribka Singh, Rakhbir Siti Zubaidah Situmeang, Zefanya Angelica Slamet Tri Wahyudi Subakdi Subakdi Subakdi Subakdi, Subakdi Sukma, Nina Fitria Supadmo, Darto Supardi Supardi Supardi Surahmad Surahmad, Surahmad Suzeeta, Nala Syandhira Syabilal Ali Syah, Aurellia Zerikha Syahda Mauldiyani Syifa, Nada Tambunan, Daniel Tamir A, Sulthan Muhammad Taufik Efendi Tesalonika, Ligina Vedita Akbar Vinka Arzetta Fiana Wahyu S.J. Saputra Wibowo, Hanifah Fairuz Wijaya, Deni Yanathifal Salsabila Anggraeni