Artikel & Cerita
Rp 9,1 Trillion Belonging to Indonesian Citizens Stolen by Thieves, OJK Flooded with Complaints
Jakarta, CNBC Indonesia - Digital crime in Indonesia is now at an emergency level. Recently, the Financial Services Authority (OJK) recorded enormous public losses resulting from the widespread occurrence of various online fraud schemes (scams), with the value exceeding Rp 9,1 trillion.
As of 14 January 2026, OJK had received 432,637 complaints of fraud cases through the Indonesia Anti Scam Center (IASC) platform. Friderica Widyasari Dewi, Chair of the OJK Board of Commissioners (at the time serving as Member of the OJK Board of Commissioners in charge of Education and Consumer Protection), revealed that of the enormous accumulated funds reported missing, the regulator had only managed to secure a small portion.
“There are Rp 9,1 trillion in public funds reported lost to this scam, of which IASC has managed to block or save Rp 432 billion,” said the woman affectionately known as Kiki during a Working Meeting with Commission XI of the DPR RI some time ago.
Kiki explained that Java was the largest source of reports, with more than 303,000 complaints, followed by Sumatra and other provinces.
Shopping Transaction Scams Claim the Most Victims
The variety of fraud schemes used by cybercriminals is also becoming increasingly diverse. Based on OJK records, the following are the schemes that ensnare the most people:
- Shopping Transaction Fraud
- Fake Calls
- Fraudulent Investment Scams
- Job Scams
- False Prize Offers
Why Victims’ Funds Are Difficult to Recover
Handling digital fraud cases in Indonesia faces major challenges. The number of complaints in Indonesia has surged dramatically to 1,000 reports per day. This figure is 3 to 4 times higher than in neighboring countries.
“In other countries we coordinate with, there may be only 150, 300, or 400 reports per day. But in Indonesia, it can reach 1,000 reports per day,” Kiki explained.
In addition to the massive volume, Kiki highlighted two main reasons why victims’ funds are very difficult to recover:
1. Delayed Reporting (Time Gap): Around 80% of victims only report the incident more than 12 hours after the transaction takes place. Meanwhile, fraud perpetrators usually drain and transfer victims’ money within less than 1 hour.
2. Highly Complex Money Laundering Patterns: Proceeds of crime are no longer held in a single bank account. Perpetrators quickly split and channel the funds into various cross-sector digital ecosystems—from e-wallets and crypto assets to digital gold and e-commerce platforms.
In view of this situation, OJK continues to strengthen cooperation among regulators, banking authorities, and digital platform developers to accelerate the process of blocking accounts suspected of being involved in fraud, in order to reduce the potential for greater public losses.
As of 14 January 2026, OJK had received 432,637 complaints of fraud cases through the Indonesia Anti Scam Center (IASC) platform. Friderica Widyasari Dewi, Chair of the OJK Board of Commissioners (at the time serving as Member of the OJK Board of Commissioners in charge of Education and Consumer Protection), revealed that of the enormous accumulated funds reported missing, the regulator had only managed to secure a small portion.
“There are Rp 9,1 trillion in public funds reported lost to this scam, of which IASC has managed to block or save Rp 432 billion,” said the woman affectionately known as Kiki during a Working Meeting with Commission XI of the DPR RI some time ago.
Kiki explained that Java was the largest source of reports, with more than 303,000 complaints, followed by Sumatra and other provinces.
Shopping Transaction Scams Claim the Most Victims
The variety of fraud schemes used by cybercriminals is also becoming increasingly diverse. Based on OJK records, the following are the schemes that ensnare the most people:
- Shopping Transaction Fraud
- Fake Calls
- Fraudulent Investment Scams
- Job Scams
- False Prize Offers
Why Victims’ Funds Are Difficult to Recover
Handling digital fraud cases in Indonesia faces major challenges. The number of complaints in Indonesia has surged dramatically to 1,000 reports per day. This figure is 3 to 4 times higher than in neighboring countries.
“In other countries we coordinate with, there may be only 150, 300, or 400 reports per day. But in Indonesia, it can reach 1,000 reports per day,” Kiki explained.
In addition to the massive volume, Kiki highlighted two main reasons why victims’ funds are very difficult to recover:
1. Delayed Reporting (Time Gap): Around 80% of victims only report the incident more than 12 hours after the transaction takes place. Meanwhile, fraud perpetrators usually drain and transfer victims’ money within less than 1 hour.
2. Highly Complex Money Laundering Patterns: Proceeds of crime are no longer held in a single bank account. Perpetrators quickly split and channel the funds into various cross-sector digital ecosystems—from e-wallets and crypto assets to digital gold and e-commerce platforms.
In view of this situation, OJK continues to strengthen cooperation among regulators, banking authorities, and digital platform developers to accelerate the process of blocking accounts suspected of being involved in fraud, in order to reduce the potential for greater public losses.
Sumber: CNBC Market ↗