OJK Disbursed 10 Most Financial Fraud Modes

Chief Executive Of The Behavior Supervisory Of Financial, Educated, And Consumer Protection Business Actors OJK, Friderica Widyasari Dewi (Aris Nurjani/VOI)

JAKARTA - The Financial Services Authority (OJK) revealed that there are ten types of financial fraud modes that occur most often, ranging from online shopping fraud to applications.

Chief Executive of the Behavior Supervisory of Financial, Educated, and Consumer Protection Business Actors of OJK, Friderica Widyasari Dewi explained that online shopping fraud is the most common.

He said this mode usually occurs when the victim buys products online, but the ordered goods are never sent or the seller disappears after receiving the payment.

During the reporting period from November 2024 to October 15, 2025, 53,928 fraud reports were recorded with a total loss of Rp988 billion and an average loss suffered by each victim was around Rp. 18.33 million.

First, online shopping transaction fraud. This is the biggest, most because the person actually has a grayy nature, if you say there is a brand that is tilted. How come you believe that, if it's true that he sells a slanted price, he just bought it himself, sold it himself to him, you don't have to offer it to us," he said in a media gathering, quoted on Sunday, October 19.

The second most type of fraud is fraud on behalf of certain parties or fake calls from 31,299 reports, losses incurred reaching Rp1.31 trillion, with an average loss per victim of around Rp42.04 million.

"That's why the tools used to call, send WA messages, send SMS, and so on," he said.

Investment scams are also one of the prominent modes, where the number of reports is 19,850 cases, with the loss value of this mode reaching Rp1.09 trillion, and an average loss per victim of Rp55.21 million.

Furthermore, there was job offer fraud, there were 18,220 reports with a loss of Rp656 billion, and the average loss per victim in this case reached Rp36.05 million.

Fraud in the form of lottery or fake prizes is still rampant. OJK recorded 15,470 reports with a loss value of Rp. 189 billion and an average loss of around Rp. 12 million per victim.

Next, fraud through social media has become a new trend in line with the increasing digital activity of the community. There were 14,229 cases with losses of Rp491 billion and an average loss of Rp34.64 million per victim.

Another type of mode that also often occurs is phishing, with 13,386 reports and a total loss of Rp507 billion. The average loss in this case reached Rp37.92 million per victim.

Meanwhile, the social engineering mode was recorded at 9,436 reports with a loss of Rp361 billion, and an average loss per case of around Rp38.33 million.

Fraud through fictitious online loans also emerged with 4,793 reports, causing losses of Rp40 billion and an average loss of Rp8.48 million per victim.

The last mode is the use of fake APK applications. OJK received 3,684 reports related to this mode, with a total loss of Rp134 billion and an average loss of Rp36.37 million per victim.