The basis of lending or financing by banks to debtor customers is trust by implementing the principle of prudence by applying the principle of knowing the customer. Documents and credit guarantees approved and received by the bank will then have several functions and one of them is to secure the repayment of credit if the borrower injured the promise. Fictitious crimes in the provision of credit facilities or working capital financing actually refer to various forgeries. There are 3 (three) types of forgery, namely making fake letters, falsifying letters, intellectual forgery. The criminal liability of banks contained in Law No. 10 of 1998 concerning Amendment to Law No. 7 of 1992 on Banking and Law No. 21 of 2008 on Syariah Banking is cumulative criminalization meaning that in addition to being sentenced to prison or also sentenced simultaneously in accordance with its mistakes.

Keywords: Bank, Financing, Fictitious and Criminal Liability

Buku-buku :

Aziz Syamsuddin, Tindak Pidana Khusus, Jakarta: Sinar Grafika, 2011.

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Internet :

Abdul Rasyid, Pengenalan Nasabah, arasyid@binus.edu, Melalui: http://business-law.binus.ac.id/2016/12/29/prinsip-mengenal-nasabah-dalam-perbankan/, diakses Tanggal 29 Agustus 2020, Pukul 14:39 WIB.

Tri Tata Ayu Pramesti, Hukum Online, Unsur-Unsur Pidana Bentuk PemalsuanDokumen, Melalui: https://www.hukumonline.com/klinik/detail/ulasan/lt54340fa96fb6c/unsur-pidana-dan-bentuk-pemalsuan-dokumen/, diakses Tanggal 9 November 2020, Pukul 14.10 WIB..