Why Did Dormant's Account Target Criminals?

A number of pieces of evidence used by the suspects in the kidnapping case led to the death of the Head of the Assistant Branch (KCP) of a bank in Central Jakarta with the initials MIP (37), Tuesday (16/9/2025). (ANTARA/Risky Syukur)

JAKARTA Dormant accounts have returned to public talks. This unemployed account has become a criminal target.

The police finally opened a motive for the kidnapping case that led to the death of the Head of BRI Cempaka Putih Sub-Branch Mohammad Ilham Pradipta (37). The perpetrators apparently plan to transfer the unemployed account funds (dormant) to a holding account, as stated by the Director of General Criminal Investigation of the Metro Jaya Police, Commissioner Wira Satya Triputra, Tuesday (16/9/2025).

In order to smooth out the crime plan, they kidnapped Ilham, who has the authority to approve the transfer of funds.

Before this case emerged, it became a wide topic of conversation when the Financial Transaction Reports and Analysis Center (PPATK) frozen thedomant account because it was suspected of being a shelter for crime transactions including online gambling (judol).

Domestic accounts are bank accounts that do not have credit or debit transactions from customers within a certain period of time, such as three to 12 months, depending on bank policies.

Some time ago, PPATK made a policy of freezing accounts that had been inactive for a long time or a Kimmant account. This policy is based on Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering, which authorized PPATK to temporarily suspend transactions and activities related to assets suspected of originating or being used for crimes.

According to the official PPATK website, it is informed that there are more than 140 thousand inactive accounts with a total balance of Rp428 billion.

The reason behind the policy of freezing Dommant accounts by PPATK is the potential for singing for illegal activities.

FEB Management Lecturer at Muhammadiyah University Jakarta Sampor Ali said accounts that were not active for a long time could be an easy target for criminals to hide or move funds resulting from criminal acts.

"For example, the account can be used as a temporary shelter for money laundering funds or even financing terrorist activities without being detected," said Sampor Ali, citing the UMJ website.

At that time, the PPATK policy freezing unemployed accounts received a negative reaction from the community. This policy also makes people restless and panicked on the grounds of being a hassle. Not only that, they feel that keeping money in the bank is not safe.

Returning to the kidnapping case which resulted in the death of the Head of BRI Cempaka Putih Raya Assistant Branch Office Mohamad Ilham Pradipta.

So far investigators have named 16 suspects, one of whom has the initials EG, who is a team of kidnappers, is still at large.

One of the perpetrators, namely C alias K, has Dormant account data in several banks. However, in order for the process of transferring the Kimmant account to the holding account to be successfully carried out, it still requires authorization from the bank, in this case the head of the branch.

Kombes Wira said that the selection of Ilham Pradipta as a target was not carried out randomly. The suspect is looking for a branch head or assistant branch who could have been invited to cooperate in the transfer.

Chairman of the CISSReC Cyber Security Research Institute Pratama Pershada said basically the account is inactive in a safe bank, because it cannot be used for transactions without going through official reactivation procedures.

However, the WALLant account is actually an easy target for cybercriminals and banking criminals. This happens because of the combination of internal involvement of individuals, data leakage, and weak supervision at certain operational levels.

Domestic account data, said Pratama, can be obtained through several channels. The first is the involvement of insiders or insiders of banks, both active employees and former employees, who have direct access to the banking system.

Second, Dormant account data can also be obtained through criminal networks, such as hackers or hackers or data sales on the web.

Third, physical documents in the form of internal audit reports or DOrman accounts printed for administrative purposes.

"Dormant tokens are usually audited every year. In some cases, physical documents in the form of audit reports printed fell into unauthorized hands, from here they can be seen, copied, and traded," said Pratama.

Basically, banks have a fairly reliable security system, including in the management of Dormant accounts. However, it becomes a problem when there are internal persons who have quite high authority, such as branch heads or operational officials abusing their authority.

"As strong as the security system, when it is people who have access, it must be difficult to fight it," said Pratama.

"Access to the Kimmant account is very difficult because it is not public information. So if it is leaked, it means that there is involvement of insiders or leakage of the system," he concluded.