Crime Analysis of Payment Transactions Using Checks and Giro Bilyets

Abstract

Background: The growing level of crimes committed by unscrupulous businessmen related to payments using blank checks or giro drafts makes it important to conduct research whether this includes criminal law in the realm of criminal law or only civil law. Object: The object of this research is a payment crime involving the use of blank checks and demand deposits in a banking environment. The purpose of this analysis is to ascertain whether this is a crime that belongs to the realm of crime or not. Method: The research method used is literature study and relevant data analysis. In this analysis, data were collected on payment crime cases using blank checks and demand deposits, as well as interviews. The data includes statistics, case studies, and reports from law enforcement and related financial institutions. Result: The results of the analysis show that payment traffic using blank checks and giro forms is a form of criminal offense in accordance with articles 378 and 379a of the Criminal Code in Indonesia. Payments using blank checks and demand deposits have a significant impact on banking and society. This crime is detrimental to the parties who become victims, such as traders, entrepreneurs, and individuals who receive payments with these financial instruments. Several factors that influence payment crimes include technological developments, lack of public awareness, ineffective banking supervision systems, and the increased ability of criminals to manipulate financial instruments. In an effort to deal with payment crimes using blank checks and demand deposits, effective preventive measures and law enforcement are needed. These efforts include increasing public awareness of the risks and signs of this crime, increasing the security of financial instruments, cooperation between banks and law enforcement agencies, and using more sophisticated security technology.