Yogyakarta, August 6, 2025 — The Financial Transaction Reports and Analysis Center (PPATK)’s policy of freezing “idle” bank accounts has stirred controversy among the public. Tens of millions of accounts that have shown no activity in the past three months have been categorized as dormant or inactive. The freeze, according to PPATK, aims to prevent criminal misuse of inactive accounts for illegal activities such as money laundering and account trading.
Professor Dr. Wahyudi Kumorotomo, a lecturer at the Faculty of Social and Political Sciences (FISIPOL), Universitas Gadjah Mada, described PPATK’s decision as a form of “brute-force” policy — a trial-and-error approach that fails to account for many important aspects. He noted that this is not the first time the government has issued underdeveloped policies. “Time and again, the people have witnessed that policies issued by the current administration are lacking in professionalism, and if such actions are allowed to recur, they risk further eroding the President’s legitimacy,” he stated.