Bank Danamon Reported to Ombudsman, Allegedly Violating POJK Provisions

Bank Danamon Indonesia is suspected of violating banking regulations and consumer protection principles related to customer rights transparency. Due to this suspicion, customers through their lawyers have officially complained to the Ombudsman of the Republic of Indonesia.

The customer's lawyers, Lambok Pakpahan and Awaluddin Harahap, said that his party found an alleged violation of the provisions of POJK Number 69/POJK.05/2016 juncto PMK Number 124/PMK.010/2008 Article 8. The regulation regulates the obligation of insurance companies to cover the remaining balance of the debit (outstanding) if the debtor has entered the Collectibility 5 or credit macet category.

"Our client as the premium payer of the Productive Credit Insurance is harmed because he did not get clear and transparent information before Bank Danamon took action to execute the collateral," said Lambok at the North Jakarta District Court, Thursday, June 11, 2026.

Apart from insurance issues, customers also raised objections to the plan to auction collateral in the form of land and buildings that were pledged to the bank.

According to the lawyer, the appraisal process (appraisal) of the assets was allegedly not in accordance with the procedure. They assessed that the appraisal process violated Article 57 of the PMK Number 122/PMK.06/2023 juncto Indonesian Appraisal Standard (SPI) 105 because the appraisers did not conduct a direct physical inspection and only used old photos taken in 2024.

The case had previously been reported through the Consumer Protection Portal (APPK) of the Financial Services Authority (OJK) on December 27, 2024. However, because it was considered that it had not obtained an adequate settlement, the case was then reported to the Ombudsman of the Republic of Indonesia with registration number 0345/LM/III/2026.

Until now, according to the lawyer, there has been no concrete resolution to the complaint. The customer only asked for transparent, accountable, and accountable details of the final obligation.

Meanwhile, when confirmed by the media crew regarding the objections and demands submitted by customers, a representative of Bank Danamon Indonesia, Asep, chose not to respond.

(Photo caption: Customer's Legal Representative, Lambok Pakpahan)