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"Bank adalah pelaku usaha yang menjalankan aktivitasnya dalam bentuk menghimpun simpanan dari individu, pemerintah, Badan Usaha- Milik Negara (BUMN) maupun, usaha swasta, selanjutnya dana yang dihimpun, perbankan disalurkan dalam bentuk pinjaman dan/atau, kegiatan investasi bagi pihak yang membutuhkan, dan konsumen dari bank adalah nasabah yang, terdiri dari, nasabah ¬penyimpan dana dan nasabah debitor. Bagi bank kepercayaan yang diberikan nasabahnya khususnya nasabah penyimpan dana merupakan hal penting agar kegiatan usahanya dapat berjalan. Semakin nasabah mempercayakan dananya untuk disimpan dan dikelola oleh bank, maka akan semakin kuat kondisi bank tersebut. Dalam memberikan. pelayanan maksimal kepada nasabahnya, bank berusaha memberikan kemudahan. dalam .bertransaksi dengan inovasi telmologi perbankan yang sepenuhnya telah menggunakan system on-line. Kemudahan fasilitas transaksi perbankan merupakan dampak positif.dari kecanggihan teknologi.- Selain datnpak. positif, dampak negative yang ditimbulkan adalah semakin canggih pula kejahatan baru terlahir yang disebut dengan kejahatan kerah putih, salah satunya adalah kejahatan pembobolan bank. Pernbobolan bank dapat dilakukan .dengan memanfaatkan celah mekanisme transfer, LIC, atau cara (modus operandi) lainnya, dan sasaran dalam pembobolan bank adalah dana nasabah yang disimpan pada suatu bank, dengan kata lain apabila terjadi pembobolan bank maka nasabahlah yang akan dirugikan. Undang-Undang Perlindungan Konsumen No. 8 Tahun 1999 menyatakan bahwa;.konsumen yang beritikad baik harus mendapat perlindungan. secara hukum dan pelaku usaha yang terbukti menimbulkan kerugian harus bertanggung jawab atas kerugian yang diderita konsumen. Dalam upaya memerangi pembobolan bank yang terpenting adalah melindungi kepentingan nasabah, melalui cara mulai dari.. pengawasan eksternal oleh bank Indonesia selaku bank sentral di Indonesia, pengawasan internal oleh manajemen bank yang bersangkutan hingga pengawasan langsung dari masyarakat terhadap kinerja bank. Selain itu pendirian Lembaga Penjamin Simpanan (LPS) dan Lembaga Mediasi Perbankan Independent juga didirikan untuk melindungi hak nasabah dan memberikan kepastian hukum.

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Bank is producer who do activities, which collect deposit from individual, government, state own enterprises and private enterprises; then, the money, collected has been channeling through credit scheme and or investing, and consumer of bank is customer. According to Banking Law No. 10 of year 1998 Article 1 point 1, customer was pail of two categories, namely: saving customer and. debt customer: - Customer trust is such important thing as the core of bank business specially for saving customer-. If customer trust their money, which saved and managed by bank is more than before, it will make condition-of bank more stable. To give best service for customer, bank tries to make transaction easier- with innovation of technology in banking business which is fully automated on-line banking system. Positive effect from technology is effective and efficient for anybody to make transaction in banking, and negative effect-is-it could be make new crime born the fast growing-that we call is white collar crime. Robbing bank is on of part white collar crime. The way to rob bank is use the weakness of transfer mechanism, Letter of Credit (L/C), or others way (modus operand), and in this case, account of customer as an object of robbing bank. It's mean that customer will be lost. The Consumer Protection Law No. 8 of year 1999 proposes to be a legal protection on customer who have good faith and producer must be responsibility their fall if they are proofed un-rights by law. For the sake of robbing bank combat the most important thing to be done is protect customer rights such as external control from Indonesian Bank as a central bank of Indonesian, internal- control from bank self management, and control from peoples. Besides that, established of Customer Deposit Institution and Mediation of Independent Bank Institution is one-.of way to protect customer and to give supremacy of law."

"Penelitian ini adalah efektifitas strategi anti Fraud Bank Indonesia (2011) sebagaibentuk pencegahan kejahatan perbankan. Tujuan penelitian ini adalah untukmenganalisis prospek keberhasilan Surat Edaran Bank Indonesia No.13/28/DPNPtentang Penerapan Strategi Anti Fraud bagi Bank Umum menurut pendapat paraahli dibidang perbankan di Indonesia.Metodologi yang digunakan dalam penelitian ini adalah teknik Delphi yaitusebuah metode menyusun sebuah proses komunikasi kelompok sehingga prosestersebut membantu dalam pengelompokkan pendapat sebagai suatu kesatuan dalammenghadapi permasalahan penelitian dengan melibatkan beberapa pakar.Hasil penelitian menyimpulkan bahwa strategi anti Fraud Bank Indonesia 2011adalah prospektif. Pilar pencegahan dinilai memiliki prospek karena programprogramtersebut merupakan langkah-langkah yang sesuai dengan kepentinganbank dalam menciptakan lingkungan dan budaya kerja yang profesional tanpakecurangan. Pilar deteksi dinilai memiliki prospek didasarkan pada kepentinganbank dalam mengkoreksi setiap kegiatan bisnis dengan setiap perencanaan gunapencapaian tujuan bisnis bank agar efektif dan efisien. Pilar investigasi, pelaporandan sanksi dinilai prospek guna pemeliharaan kinerja tanpa kecurangan denganmemberikan efek jera bagi si pelaku kecurangan dan memberikan efek kehatihatianbagi para karyawan bank untuk mempertimbangkan ulang atas perbuatankecurangan yang mungkin akan dilakukannya. Pilar evaluasi, pemantauan dantindak lanjut dinilai prospek di dalam rangka untuk memberikan evaluasiberkelanjutan terhadap potensi-potensi terjadinya kecurangan dalam bank dalamjangka panjang.

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Abstract This study is about the effectiveness of antifraud strategy of Bank Indonesia(2011) as a form of crime prevention. The purpose of this research is to analyze ofthe prospect of Surat Edaran Bank Indonesia No. 13/28DPNP about theimplementation of antifraud strategy for commercial bank in according to expert?sopinion in Indonesia.The methodology used in this research is Delphi technique, a method forformulating a group communication process which assist grouping expertsopinion as a whole.The research result revealed that the antifraud strategy of Bank Indonesia 2011 isconsidered as prospective. The prevention pillar is appreciable prospect since thatprograms is the efforts in line with the bank?s interest in creating theenvironmental and cultural work with the high professionalism without the fraud.The detection pillar is appreciable prospect since that programs assisted incorrecting every business activities in according to every planning in order tomeets the business goals to be effectively and efficient. The investigation,reporting and sanction pillars are appreciable prospect since that programs cangive the wary for employees to consider for fraud will be done in the future. Andevaluation, monitoring and following are appreciable prospect in order to runcontinuously improvement in handling potential fraud in a bank in long term."

"Banking crime phenomenon recently occurs by vreaking the Automatic Teller Machine as conducted by the criminal has created unsafe feeling amongst community specially for bank's customer. There are some typical methods used in the crime operation such as using skimmer, cloning credit card, cloning ATM card and stealing Personal Identification Number by hidden-camera and card reader installing on the machine. This type of electronic transaction crimes (e-banking) has been technically improved along with the highly development of technology in electronic banking transaction. The Act No. 11 year of 2008 regarding Information and Electronic Transaction has been attempted to cover and anticipate the accurrence of electronic crime. In practice, however, there is sort of constraint in implementing the law since such articles have called as grey are or having different meaning in perception of legal institution, so there requirement for another legal remedy in form of legal interpretation. In case the Judge unwilling to search for another legal interpretation but prefers to apply streams of legism then sociologically the law would not catch the highly e-banking crime. "

"Banking crime was is an story. However, at any time the story may be blown up on the surface as new crime story like the automatic teller machine breaking which happenned in Jakarta and Bali in the last view months ago. As likely and iceberg story, the case of breaking ATM is just a peak of iceberg, there may many unseen crime stories that we have never known whether in total capital lose or in total customer disadvantaged. The main stream of action can be varied amongst intelectual actors and direct crime perpetrators, thus there are possibly become a global crime network. The breaking ATM has become a test case of law No. 11 year 2008 regarding Information and Electronic Transaction. International syndication did the action of breaking automatic teller machine using such method such as, skimming, ATM cloning, stealing Personal Identification Number (PIN), credit card cloning, installing camera or card reader to copy the PIN. The question now are, why occured the ATM breaking undetected until the accumulated lose reached for billions of rupiah? How far banking security system works to protect bank customer and credit card holder? Then, how wide the impact of the ATM breaking case on bank rush?"

"Artikel ini membahas mengenai alasan tingginya jumlah uang Rupiah palsu yang beredar di DKI Jakarta dibandingkan dengan kota dan provinsi lain yang ada di Indonesia. Transaksi tunai yang terjadi setiap hari dan dilakukan oleh seluruh lapisan masyarakat dianggap menjadi suatu aktivitas rutin dan gaya hidup yang seringkali membuat masyarakat menjadi abai terhadap keaslian uang Rupiah yang mereka gunakan atau mereka terima, sehingga memunculkan banyak kesempatan bagi para pelaku potensial kejahatan pemalsuan uang, ini dapat dijelaskan melalui teori routine activity melalui segitiga kejahatan dan yang didukung dengan teori lifestyle exposure.

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This article discusses the reasons for the high amount of counterfeit Rupiah banknotes circulating in Jakarta compared to other cities and provinces in Indonesia. Cash transactions that occur every day and done by all levels of demographic are considered to be a routine and lifestyle activity that often leaves people ignorant or underestimates the authenticity of the Rupiah banknotes they use or receive, thereby generating opportunities for potential perpetrators of money counterfeiting crimes, this can be explained through the theory of routine activity through the crime triangle and are supported by the lifestyle exposure theory."

"In the year of 1997 Indonesia hit by financial dissaster known as monetary crisis. Thousands of bank's customer withdrawn their money in a great numbers from national banks, consequently many private banks in Indonesia have facing with deficit of liquidity. bank of Indonesia as lender of the last resort pouring fresh money into 48 banks arround IDR 144,5 trillion as loan assistance to back up their sort of liquidity, and additional loan assistance gave in 29 January 1999 about IDR 14,447 trillion therefore totally loan assistance in amount is IDR 158,947 trillion. The good faith is to help dying banks in the situation of crisis. Indonesiagovernment supports the loan assistance given by Bank of Indonesia Through releasing presidential decree No. 26/1998.On the first of November 1997 the government liquidated 17 private banks out of 48 receiver banks of the BI loan because of their incapabilityto continue running the banks caused by capital rush in a great amounts. The BI loan received by the 17 closing banks is IDR 11,89 trillion, but untill now the loan backs into state account just only IDR 2,96 trillion. How very protracted is the government in handling the BI loan cases in the history of Republic Indonesia. Protest, demonstration, till accusation against government and legal axamination of the government policy have been done frequently, however the rule of law and the government failed to jail the loan's embezzler, even less to confiscate their properties."

"ATM sebagai bentuk fasilitas yang disediakan oleh bank untuk kemudahan dan kenyamanan nasabah dalam melakukan transaksi keuangan ternyata tidak selamanya aman. Kasus pembobolan ATM yang terjadi di Bali dan kota-kota lain membuktikan bahwa hak-hak nasabah selaku konsumen terutama hak atas keamanan masih belum dipenuhi oleh pihak bank. Dengan kesadaran adanya ketidakseimbangan kedudukan antara nasabah selaku konsumen dan pihak bank selaku pelaku usaha maka dibutuhkan peraturan-peraturan yang melindungi kepentingan nasabah. Penelitian hukum ini adalah penelitian hukum normatif yang berbasis pada analisis norma hukum dan bersifat deskriptif dengan menggunakan studi kepustakaan.Hasil penelitian ini berupa analisis dan saran mengenai bentuk-bentuk perlindungan hukum yang diberikan kepada nasabah bank korban pembobolan ATM ditinjau dari Undang-Undang No. 8 Tahun 1999 Tentang Perlindungan Konsmen dan beberapa Peraturan Bank Indonesia serta menjelaskan bagaimanakah tanggung jawab dan ganti rugi yang diberikan oleh pihak perbankan kepada para korban pembobolan ATM.

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ATM facility, which is provided by bank to comfort the customers in doing financial transaction, is not always save. ATM fraud in Bali and other cities proofs that the rights of the customers especially right of safety can not be fulfilled by bank. Realizing the unbalance position between customer as consument and bank as business player, some rules which give protection to the customers is needed. This research is a normative and descriptive law research which uses study of literature.

The result of the research is analysis and suggestions on how to give legal protection for victims of ATM fraud based on Act Number 8 year 1999 About Protection Law and some Indonesian Banking Rule. In addition, the research explains the responsibility and procedure to compensate financial loss given by bank for the victims of ATM fraud."