Winda Savings money at Maybank cannot be replaced by LPS, what is the reason? All pages

JAKARTA, KOMPAS.com – Investigation of the case where the money from the athlete’s deposit disappeared eSport Winda Lunardi aka Winda Earl at PT Bank Maybank Indonesia Tbk continues. Currently, each party is represented by its attorney.

This case began when Winda informed the police of the loss of Rs 20 billion from her and her mother’s account. The victim presented the report to the police and was registered under number LP / B / 0239 / V / 2020 / Bareskrim on May 8, 2020.

It was later discovered that the money was collected by the director of the Cipulir Maybank Indonesia branch. However, Maybank was reluctant to make up for Winda’s lost money before authorities completed the investigation.

Meanwhile, referring to the regulations in force, all deposits from bank clients in Indonesia are actually guaranteed by the Deposit Insurance Corporation (LPS).

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The duties and functions of the LPS in guaranteeing deposits of Indonesian bank clients are regulated in Government Regulation Number 66 of 2008. Meanwhile, the existence of the LPS is regulated in Law Number 24 of 2004 on LPS.

However, in the rules for replacing bank deposits with LPS, Winda’s savings, regardless of the amount, will not be reimbursed by the guarantor institution.

Quoted from the official LPS website, on Monday (11/16/2020), LPS cannot replace customer deposits as long as the bank is still in operation, meaning the license has not been revoked.

“LPS is obliged to determine customer deposits that are eligible to pay, after performing the reconciliation and verification of the deposit details of bank customers whose business license is revoked within 90 business days after the revocation of the commercial license of the bank, “wrote LPS in its official statement.

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In the case of the loss of Winda Earl’s savings, Maybank Indonesia has never had its license revoked and is operating normally. In other words, the LPS guarantee only applies to customers who have lost money because their bank is closed.

“LPS begins paying deposits that are eligible to pay no later than 5 business days from the start of verification. The period for submitting insurance claims is 5 years after the business license is revoked,” LPS wrote.

Furthermore, the value of the deposit guaranteed by the LPS was a maximum of Rp 2 billion per client per bank since October 13, 2008.

If a customer has multiple savings accounts at a bank, to calculate the guaranteed savings, the balance of the entire account is added together.

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The value of the guaranteed deposit includes the principal plus the interest of conventional banks, or the principal plus the profit sharing which has become a right of the clients of Islamic banks.

Meanwhile, in Winda’s case, the savings in her and her mother’s name were worth well over 2 billion rupees.

Another requirement of the LPS is that the customer’s savings be recorded in the bank’s savings data, the customer is not an improperly profited depositor, and the customer is not the party causing the bank to become unhealthy.

OJK’s response

Meanwhile, the Financial Services Authority (OJK) assesses that the savings requested by Winda will return if the client is proven innocent and the flaw is in Maybank Indonesia’s security system. This can only be proven in court.

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“If the client is innocent, the money will be returned. Maybank has informed it, the client has informed it,” explained the chairman of the OJK Board of Commissioners, Wimboh Santoso, in his statement.

Maybank Indonesia, as a major bank in Indonesia, will not risk its reputation if it does not have supporting evidence.

“Maybank must have something, it is only being handled by the law, so it is very careful when making statements to the public,” Wimboh said.

“Please wait, it is not good to get ahead of law enforcement because Maybank itself has reported it, and the customer has already reported it. There is something, but we are sure it will be objective and transparent,” Wimboh said.

Also read: OJK guarantees that the money from Winda’s savings will be replaced by Maybank as long as …