<![CDATA[The banking sector plays a strategic role as a financial intermediary that must safeguard public trust through the responsible collection and management of public funds. However, this function is frequently compromised by white-collar crimes committed by bank management, as reflected in the case of PT BPR Terabina Seraya Mulia Selatpanjang. This study aims to examine the legal implications of banking criminal law on violations in the collection of public funds through an analysis of this case. A normative-juridical approach combined with an empirical case study method was employed, using secondary legal materials obtained through library research and analyzed descriptively and qualitatively. The findings show that the falsification of debtor identity data and fictitious credit disbursement documents committed by the former President Commissioner and Director fulfilled the elements of Article 49 paragraph (1) letter a of the Banking Law in conjunction with Article 55 paragraph (1) point 1 of the Criminal Code, as affirmed in Supreme Court Decision Number 2837 K/Pid.Sus/2015. The case also revealed weaknesses in judgment execution, evidenced by the convict's five-year evasion before capture. These findings imply that repressive law enforcement alone is insufficient without strengthened preventive supervision by the Financial Services Authority. The study concludes that synergy between regulators, law enforcement, and good corporate governance is essential to protect public funds and maintain banking system stability.]]>
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