Disbursing Fictitious Loans To State Financial Loss, Director Of BPR Jepara Artha And 4 Others Detained By KPK

Acting Deputy for Enforcement and Execution of the KPK Asep Guntur Rahayu in a press conference related to the corruption case of disbursement of business credit of PT BPR Bank Jepara Artha (Perseroda) in 2022-2024/PHOTO: Wardhany Tsa Tsia-VOI

The Corruption Eradication Commission (KPK) has detained suspects in the alleged corruption in the disbursement of business loans of PT BPR Bank Jepara Artha (Perseroda) in 2022-2024 today. One of them is Jhendik Handoko, who is the President Director of BPR Bank Jepara Artha.

"The suspects were then detained for the first 20 days starting from September 18, 2025 to October 7, 2025. The detention was carried out at the KPK branch detention center," said Acting Deputy for Enforcement and Execution of the KPK Asep Guntur Rahayu to reporters at the KPK's Red and White building, Kuningan Persada, South Jakarta, Thursday, September 18 evening.

Apart from Jhendik, four other people who became suspects were Iwan Nursetyo as Director of Business and Operations of BPR Jepara Artha; Ahmad Nasir as Head of the Business, Literacy and Financial Inclusion Division of BPR Jepara Artha; Ariyanto Sulistiyo as Head of the BPR Credit Section Jepara Artha; and Mohammad Ibrahim Al'Asyari as Director of PT Bumi Manfaat Gemilang.

Asep explained that this case began when BPR Jepara Artha, led by Jhendik, expanded to provide credit with the type of Business Credit with a syndicated system or lending by several banks to one debtor in 2021. In fact, they previously only relied on consumer credit for Jepara Regency Government employees.

During the two years, Asep said, there was an additional outstanding business credit to two debtor groups in a significant manner of around Rp130 billion which was disbursed through 26 affiliated debtors. However, there was a bad credit that caused local banks to lose money.

"The performance or collectibility of the credit worsened until it finally failed to pay or was stuck, thus reducing the performance of the Jepara BPR due to the reserve loss of a decrease in value of 100 percent or the collectibility of traffic jams which resulted in a loss in the loss profit report," he said.

Because of this condition, Jhendik then agreed with Mohammad Ibrahim Al'Asyari as Director of PT Bumi Manfaat Gemilang to disburse fictitious loans.

"The use of which is partly used by Jepara BPR management to improve the performance of bad credit by paying installments and repayment," said Asep.

Meanwhile, some of the fictitious loans were used for Mohammad Ibrahim Al'Asyari. In addition, Jhendik also promised to replace the transfer of credit collateral whose credit was repaid using fictitious credit funds.

After that, BPR Jepara Artha issued 40 fictitious loans worth IDR 263.6 billion during the period April 2022 to July 2023.

"The credit was disbursed without a basis for analysis that was in accordance with the actual condition of the debtor," said Asep, who also serves as Director of KPK Investigation.

"Debitors work as small traders, repairmen, laborers, employees, online motorcycle taxis, unemployment that is made as if they deserve credit of an average of around Rp. 7 billion per debtor," he continued.

Ibrahim was assisted by his colleagues to find potential debtors. On average, they are lured with a fee of Rp. 100 million and supporting documents needed by BPR Jepara Artha in the form of permits, fictitious bank accounts, business photos belonging to others and markup financial documents have been prepared.

To launch this process, Jhendik then asked Iwan Nursusetyo as Director of Business and Operations of BPR Jepara Artha; Ahmad Nasir who is the Head of the BPR's Business, Literacy and Financial Inclusion Division Jepara Artha; and Ariyanto Sulistiyo as Head of the BPR Credit Section Jepara Artha coordinated with Ibrahim.

They were also asked to process the fictitious credit by preparing and doing several things such as:

Jhendik, called Asep, also asked Ahmad Nasir to immediately disburse the credit without a credit completeness review process, especially in terms of binding collateral/dependent rights.

The money was then divided by both parties, namely partially disbursed or transferred to the bank account. The debtor and debtor will transfer to the MIA account by leaving a balance of IDR 100 million for a fictitious debtor fee.

Second, some of those deposited in the debtor's savings account at Bank Jepara are managed by AN.

"The funds were withdrawn by AN and transferred to a holding account," said Asep.

Meanwhile, during the period April 2022 to July 2023, 40 fictitious debtors with a credit ceiling of IDR 263.5 billion have been realized. This money is then used with details:

Then Ibrahim also shared the money from the fictitious credit with details:

1. JH amounting to IDR 2.6 billion; 2. IN amounting to IDR 793 million;3. AN amounted to IDR 637 million; 4. US amounted to IDR 282 million; and 5. Umrah money for JH,IN and AN amounted to IDR 300 million.

As a result of his actions, these five suspects are suspected of causing state financial losses of Rp254 billion. However, a more complete calculation is still being carried out by the Indonesian Supreme Audit Agency (BPK).

The suspects were then suspected of Article 2 paragraph (1) or Article 3 of Law Number 31 of 1999 concerning the Eradication of Criminal Acts of Corruption as amended by Law Number 20 of 2001 concerning Amendments to Law Number 31 of 1999 concerning Eradication of Criminal Acts of Corruption in conjunction with Article 55 Paragraph (1) 1st of the Criminal Code.