{"id":256274,"date":"2025-08-10T17:39:17","date_gmt":"2025-08-10T10:39:17","guid":{"rendered":"https:\/\/nawacita.co\/?p=256274"},"modified":"2025-08-09T11:00:25","modified_gmt":"2025-08-09T04:00:25","slug":"122-juta-rekening-nganggur-dibuka-lagi-ada-yang-3-dekade-lebih-tak-terpakai","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2025\/08\/10\/122-juta-rekening-nganggur-dibuka-lagi-ada-yang-3-dekade-lebih-tak-terpakai\/","title":{"rendered":"122 Juta Rekening Nganggur Dibuka Lagi, Ada yang 3 Dekade Lebih Tak Terpakai"},"content":{"rendered":"

122 Juta Rekening Nganggur Dibuka Lagi, Ada yang 3 Dekade Lebih Tak Terpakai<\/h1>\n

Jakarta, Nawacita<\/a><\/strong> – Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) menyatakan seluruh proses analisis atas rekening dormant (tidak aktif\/nganggur) yang dilakukan secara bertahap bersama perbankan sejak 15 Mei 2025 telah tuntas dilakukan pada 31 Juli 2025. Sebanyak 122 juta rekening dormant yang terdampak dipastikan aktif kembali.<\/p>\n

PPATK mengungkap mayoritas rekening dormant adalah rekening yang tidak aktif dalam waktu cukup lama yakni 5 tahun hingga 35 tahun. Sejak Mei 2025 secara bertahap, telah memberikan arahan resmi kepada perbankan untuk melakukan pencabutan penghentian sementara transaksi (cabut Hensem) atas rekening dormant, sesuai prosedur yang berlaku.<\/p>\n

“Hingga saat ini, lebih dari 100 juta rekening atau 90% rekening telah kembali aktif, mayoritas rekening dormant adalah rekening yang tidak aktif dalam waktu 5 tahun hingga 35 tahun. Proses aktivasi rekening sepenuhnya diserahkan kepada pihak bank sesuai dengan mekanisme dan kebijakan internal masing-masing bank,” kata Kepala PPATK Ivan Yustiavandana dalam keterangan resmi PPATK, Sabtu (9\/8\/2025).<\/p>\n

\"Rekening<\/a>
Rekening Bank Mendadak Terblokir, Warganet Ramai di Medsos<\/figcaption><\/figure>\n

Sebagai bentuk tindalanjut dari hasil analisis, sejumlah rekomendasi perbaikan penanganan dan mitigasi risiko penyalahgunaan rekening dormant telah disiapkan oleh PPATK untuk diserahkan kepada otoritas yang berwenang.<\/p>\n

“Peta risiko akan menjadi rujukan bagi semua pihak terkait, baik regulator maupun industri jasa keuangan, untuk mengambil langkah yang tepat untuk melindungi kepentingan nasabah,” lanjut dia<\/p>\n

Sebagai upaya pelindungan bagi masyarakat dari penyalahgunaan rekening dormant, PPATK meminta perbankan untuk mendapatkan secara proaktif informasi terkini mengenai identitas dan keberadaan nasabahnya melalui kontak langsung dengan nasabah baik secara tatap muka, maupun secara online.<\/p>\n

Prosedur reaktivasi rekening dormant ini merupakan salah satu proses mengenali pengguna jasa atau Know Your Customer (KYC). PPATK berharap rekening nasabah terbebas dari jual beli rekening ataupun potensi peretasan, penyalahgunaan serta penyimpangan yang beberapa waktu ini sangat marak terjadi dan tentunya akan mengorbankan hak serta kepentingan pemilik rekening yang sah.<\/p>\n

“Proses di PPATK sudah selesai. Selanjutnya, mekanisme aktivasi kembali sepenuhnya berada di masing-masing bank, sesuai kebijakan internal mereka. Kami terus mendorong percepatan layanan ini, sambil memastikan bahwa kedepan rekening yang dilepas benar-benar aman dari potensi penyalahgunaan,” jelasnya.<\/p>\n

Lebih lanjut dijelaskan, kebijakan penghentian sementara bukanlah bentuk hukuman atau penghapusan hak, melainkan langkah preventif untuk melindungi dana nasabah dan menjaga integritas sektor jasa keuangan dan stabilitas ekonomi.<\/p>\n

Kebijakan ini berbasis pada laporan perbankan dan hasil pengkinian informasi nasabah yang dilakukan oleh perbankan langsung. Hal ini merupakan upaya pemerintah dalam mencegah penyalahgunaan rekening dormant dari berbagai kejahatan seperti penipuan, jual beli rekening, judi online, korupsi, narkotika, peretasan, serta tindak pidana lainnya yang sangat merugikan nasabah pemilik sah rekening.<\/p>\n

Baca Juga: <\/strong>Rekening Bank Nganggur 3 Bulan Diblokir PPATK, Begini Cara Aktifkan Kembali<\/a><\/p>\n

Bagi masyarakat yang rekeningnya masih berstatus dormant atau terhenti sementara, langkah yang dapat dilakukan adalah:<\/p>\n

1. Nasabah diminta untuk mengunjungi kantor pusat atau kantor cabang bank terdekat.<\/p>\n

2. Apabila tidak memungkinkan untuk hadir secara tatap muka maka nasabah menghubungi layanan nasabah resmi bank (telepon, email, live chat, aplikasi mobile banking).<\/p>\n

3. Nasabah mempersiapkan dokumen identitas dan bukti kepemilikan rekening sesuai ketentuan bank.<\/p>\n

PPATK mengimbau agar masyarakat, pertama memastikan data dan identitas di bank selalu mutakhir dengan melakukan kontak langsung dengan Bank. Kedua, tidak meminjamkan atau menjual identitas pribadi dan rekening kepada pihak lain. Ketiga, segera melapor jika menemukan aktivitas dan transaksi mencurigakan pada rekeningnya.<\/p>\n

“Dengan koordinasi erat antara PPATK, perbankan, regulator, dan masyarakat, kita dapat membangun sistem keuangan yang tangguh, aman, dan terpercaya,” tutupnya.\u00a0dtk<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

122 Juta Rekening Nganggur Dibuka Lagi, Ada yang 3 Dekade Lebih Tak Terpakai Jakarta, Nawacita – Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) menyatakan seluruh proses analisis atas rekening dormant (tidak aktif\/nganggur) yang dilakukan secara bertahap bersama perbankan sejak 15 Mei 2025 telah tuntas dilakukan pada 31 Juli 2025. Sebanyak 122 juta rekening dormant yang […]<\/p>\n","protected":false},"author":4,"featured_media":256275,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[81876,98655,27744,97972],"class_list":{"0":"post-256274","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi-dan-bisnis","8":"tag-blokir-rekening","9":"tag-buka-blokir-rekening","10":"tag-ppatk","11":"tag-rekening-dormant"},"yoast_head":"\n122 Juta Rekening Nganggur Dibuka Lagi, Ada yang 3 Dekade Lebih Tak Terpakai<\/title>\n<meta name=\"description\" content=\"Jakarta, Nawacita - Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) menyatakan seluruh proses analisis atas rekening\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nawacita.co\/index.php\/2025\/08\/10\/122-juta-rekening-nganggur-dibuka-lagi-ada-yang-3-dekade-lebih-tak-terpakai\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"122 Juta Rekening Nganggur Dibuka Lagi, Ada yang 3 Dekade Lebih Tak Terpakai\" \/>\n<meta property=\"og:description\" content=\"Jakarta, Nawacita - 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