Bareskrim Polri: Operasional PT DSI Bertentangan dengan Ketentuan P2P Lending yang Berlaku

Bareskrim Polri seals the office of PT DSI/ Photo: IST

JAKARTA - The Directorate of Economic and Special Crimes (Dirtipideksus) of the Criminal Investigation Unit of the National Police explained the reason for the seizure of the Certificate of Ownership (SHM) and the Certificate of Right to Use Building (SHGB) in handling cases of alleged criminal acts involving PT DSI.

Director of Dirtipideksus of the Criminal Investigation Unit of the National Police, Brigadier General Ade Safri Simanjuntak, emphasized that the SHM and SHGB seized belonged to the borrowers or loan recipients who were pledged to PT DSI to obtain project funding.

"The SHM and SHGB belong to the borrowers who are pledged by the borrowers as collateral to obtain funding distribution in the proposed project financing," said Ade Safri, confirmed Thursday, January 29, 2026.

In the peer-to-peer (P2P) lending scheme in Indonesia, continued Ade Safri, the main covenant agreement should bind directly between the lender (lender) and the borrower (borrower). In this scheme, the fintech platform only acts as an intermediary that brings the two parties together.

However, based on the results of the investigation, a different fact was found in the operations of PT DSI.

"The facts obtained by the investigation team actually show the existence of a main covenant agreement that binds directly between PT DSI and the borrower. In fact, the borrower does not know who his lender is," he said.

According to Ade Safri, this finding is contrary to the provisions and schemes of the Information Technology-Based Joint Funding Service (LPBBTI) or P2P lending that apply in Indonesia. In addition, investigators also found that PT DSI actively searches for borrowers physically, not through a digital platform as it should be.

"PT DSI should act as an intermediary or agent, not as a party directly bound by the financing agreement," he said.

Regarding the question regarding the examination of the Brand Ambassador or advertising ambassador of PT DSI, Ade Safri said that so far investigators have examined as many as 46 witnesses.

"These witnesses come from various clusters, ranging from OJK, lenders, borrowers, to internal parties of PT DSI, including company executives," he explained.

He added that investigators would continue to examine other witnesses who were considered to know, see, experience directly, or possess data and information related to the case.

"We will convey the further development," he concluded.