JURIDICAL ANALYSIS OF FRAUDS IN BANKS WHICH RESULTED BY PROMBLEM BANKS

Abstract

In supporting business expansion, many of the Bank's officers and officers have implemented various strategies and methods to achieve expansion targets. The high necessity of life is one of the factors that causes many activities / actions that cannot be separated from fraudulent practices or fraud at the Bank. So it is necessary to know the causes (fraud) due to law (fraud). With a normative and empirical juridical approach. Shows that the factors causing fraud consist of: (a) (living beyond mean, gambling habit), (b) (internal control weakness), (c) (rationalization) and (d) (capability) fraudster, administratively (fraud) at the Bank can affect the soundness level of the Bank (CAMEL'S) related to Good Corporate Governance (GCG), Non Performing Loans (NPL's) or (rush money) due to decreased public trust (reputation risk). Banks Banks must be consistent in applying the principle of zero tolerance fraud by imposing strict legal sanctions, and the Financial Services Authority (FSA) to carry out intensive supervision of the banking business, especially the handling of fraud occurrences that occur within the Bank on a regular basis, through direct guidance or coordination to prevent there is a troubled bank.