citibank kasus

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  • 8/6/2019 Citibank kasus

    1/33

    ffnffff

    ff

    &f-ffn%#fffnf-fn

    -Dn%#f-

    &Jfnfnn f@

    fffffffffffJfnn

    fffffffffffn

    &ffffnffnf

    nnffffff

    9ffffnf

    ff

    &ffffffnnf@,f

    fnfffffff,ffffff

    &nJf,fffffnffn

    fnnfnffnffnnfnf

    ffn ffnfnf

    fnf

    &fn ffnffffnn

    fnfff ffffnf

    fff

    &fffffnfnfnnf

    fffffffn

    nf

    &@n@,-nnfffnf @,

    f9-fffffnnnff

    nf%f,%,ffff

    fJf nffnfnn

    f

    &fnnfffnfnnf

    fnfffff

    n

    &ffnfffffff

    nffnnfffDfff

  • 8/6/2019 Citibank kasus

    2/33

    9fffffffnffff

    ffffffnffffffff

    @f

    &nnffffnn

    nfnnfnffffffn

    ffnffffff

    fff@ff

    &JffnfJfnf f

    nffnffff9ff

    fnnnJffnfnf

    nffnf#DJ

    &JnffnJ nfn

    nffnfnnffnn

    ffnJffffff

    fffnnn nfnf

    nnfff

    f9ff

    &fnf9fffffnn

    f9ffnnffnfff

    nnff

    &@ffffnnff fnf

    Jffnnfnf

    ffnnffnn

    ffnn

    &f9fff

    &9ffnff ff

    fnf

    &ffnfnfffnffnffnf

    &@fnnnfffffnn

    f

    &@ffnffnfnfnfnfn

    nJnffnfffffnf

    ffn@fnfnfnfffnf

    fnfffnffn

  • 8/6/2019 Citibank kasus

    3/33

    &fnfffnfnffffff

    fff,ffff

    &nfnfnff9@9ff

    fnffffn

    ffff

    fnnffff%f

    &f

    ffn%

    &ff

    @,fJff%

    &fnf9fn

    f%

    &fff

    J,ff

    &@f

    %

    &@f

    fnf%

  • 8/6/2019 Citibank kasus

    4/33

    &f,f%nnf

    Jf,ffn%

    &Jf,fffffnffn

    ,f,ff%

    &f99f

    ,,ff%ff

    ffffnffnn@

    fffffnfff%ffffffff

    @fffffff

    fff

    f9

    fffffnnf@,nfff

    ffff,ffffffffff

    @

    ffnfnf

    fnfffJ,ff

    fffn;fffnnn

    nnfffnffn,ff

    %@fDfff

    nnfJff

    nfffffnnfff

    f

  • 8/6/2019 Citibank kasus

    5/33

    nffffn

    nff Jff

    nfnf9 fnf f

    nffnf

    nf, ff%nnf

    Jf,ffn

    nJf,fffffnffn

    ,f,ff

    nf99fff ,,ff

    nfnnnf f

    9nfn

    fffnnfnnnf

    ffnffff

    nnnnffnnfffnf

    fff

    @ffffffff

    fnffnnfff9f

    nffffffnnffn

    n

    fnfffnfnfffffffff,f

    fffnfnffnff9@9ff

    fnffffn

    f,fn

    ,fffff

    fff

    f-fffnffnf

    ffff

    fffnfff

  • 8/6/2019 Citibank kasus

    6/33

    fnf

    fnfnf%ffff nf#D

    Jnfnfn

    fffnffnff9f%9fffn

    %nffff%fff9f%9n

    nfn nfffff

    nff

    ,ffffffff

    fnffffnnffD

    nfnnff%fffff

    fn nfnfn

    ffnffnnnfff

    fnn fnfnffnff

    ffnfnffnfffnfffff

    f fffnnf

    f@fnnnnfnff

    ffnf

    fff%ffnffnn

    nffnfffnffn

    fffffnfn

    %f9ffffffn

    $$ff$$"

    ,fffff

    ff@ff-ff

    @fff9

    9nff

    fnffffnff

    nnnfDffnf

    ffffffnfnfff

  • 8/6/2019 Citibank kasus

    7/33

    #Jfnnfff

    nfffffffffnf@ffn

    ff%99@nfff

    ffnnfffnff

    fnfffffnfnnfff

    ffffffnffff

    99@nffnf,f%

    @fffffffff

    ,fffff%D fnff

    nffnfffn f

    @99@nffnnff,ffnf

    fnnffffnfff%

    nnfnf99@nf,ffnnn

    fnff ffff@nffff

    nfffnn

    #@fnfnffnnffff

    f@fffffnnf

    @fnfnfffff

    f,fffffnfnf

    f

    fffnnfnn

    #nfnnfnnff

    f

    #ffffnff

    ffnnnfnnf

    -fffffnnffnnf

    fffnfff

    nf,ffnnnnff

    nnfffn

    @fffff%ff fnn

    ff,ff fff%

    nfnnn

    #nf,fffnfnfnnf

    ffffff

    fnffJff-ff,ff9f%9-

    f

  • 8/6/2019 Citibank kasus

    8/33

    nnffnffnfff

    fnfnf,fffffff

    ff

    #@ffffnn,ffff

    nf

    fffffff,fffff

    fffn

    ff%fffnfnn

    ffn

    #Jnf,ffnfnfn

    nnfffffnfff

    fnn fnfnffnf

    nf

    fffnfnnfff

    ffffffn fnffff

    @fnffffnnffn

    fffnfffff

    fnnn fff

    nffnff

    ff-fnffn

    @ ffnfnfnf

    f

    9nff-fff%-ffn

    nfffffnff

    nfnffffn

    #@f%fnff%n

    fffJff,f

    -fffnffnnnfnn

    ffnfff fffn

    fffnfff

    Jnnffnfffffn

    f99@nfnnfff

    ffffff

    #@fnffnfffnf

    fff,fnff

    ffffffff

    99@fnnffn #ff

  • 8/6/2019 Citibank kasus

    9/33

    ffnffnff

    nf

    @fffn fff -ff9n

    n%fffnf

    ffffnfffnn

    ffnn

    @ffnfff nff-ffD

    9f%99ff fffnfnfffff

    nff

    9nfnfnnnfff

    nnnffffn

    fffffnff

    ffffffff

    #@ffffffnfn

    nff#@nfffnnfff

    f

    @nffnnfffnnff

    fffnfnn

    @nfnnnnfff

    ffffffn

    ffnffff

    ff%fnn

    fnfffffff

    nfnfffn

    nffffn

    @nf,fffffffnn#ff

    ffffnnfnnfff9

  • 8/6/2019 Citibank kasus

    10/33

    Jfnffffnnf

    nnfnffffff

    nffffn#fnf

    nfffnfnnffnnfff

    ffnnfff9nfn ffff

    ,fnnffnffffnffn

    fff fnnf

    fffnf

    ff

    @nffnffnffnfnffnffnf

    fffffnf@I9n

    ffff,nffn

    ffffnnffff

    ff

    fffff

    ff fffnfnf

    ffff

    f-ff9nfffnf f

    ffff

    ffnffffnf9 f

    #n nnnff

    nfffnffff

    nnfffffffff

    fnfnfnnf

    @ffffffffnnnnfnn#fffnfnfffn

    ffnnf

    #Jfnfnffnff

    nnn

  • 8/6/2019 Citibank kasus

    11/33

    f

    f9ff9fff@fnffnf

    $$

    -,ffffffffffffff

    ffnfffnfffffffffffff

    nff

    9fffffnnffn%Df

    ffffffffffffffffff

    fffffffffffffff

    fff%ffffff

    ffffffffffffffnfff

    fffffffffff f

    ffff

    #fffnff@f9%ffff9fffff,%

    ff,ffffffffnffffff

    ffffffff-,fffff%$

    ffffffffffffffff

    fffnff#fffnffffnfffnff

    fffffffDf

    ffffff,fffff,fff

    ffffffffnfff#fffff

    fffffffffffffff

    ff

    ffffffnfff@ffnfff

    @ffffffffffffffff

    ff9ffff%9fffn%f

    fffffffff,ffffnff

  • 8/6/2019 Citibank kasus

    12/33

    fffnfffff#fff

    ffffffnffffff ff

    9fffDfffnfffffffff

    fffffffffnffffff

    ffffffffff

    9ffffffffffffn ffff

    ffffffnfffff#ff

    ffffffnffffDf

    ffff9ffnfffff

    fffffffffffffffff

    ffffffffffffffffffffffff

    #9fffffff,%fffffff

    ff fffff ffff

    fffffffffffff

    ffffffffffff

    fffffffffffffffffff

    ffffffffffffffff

    #ffffffffffffffnf

    ffffffffff-

    9ff

    9ffff

    fffffJ

    #%!$.42 %:39,88:/,,:/9,33/4308,907,/,59-,3907,9,8:85030,5,3/,3,3,8,-,40,7,,3/,390,83,3,8,-,,79:

    70/93,$0-0:2202,5,7,305:-,,3202-,,8,8,:/990780-:9/7,5,90,3:-073:7#,73

    05:9:-073:7,2,28,,3202-,,-/,3503,,8,3507-,3,3

    203:3,5,38,,8,9:,03/,#23:,3,3,/,,202-,,8,8,:/9

  • 8/6/2019 Citibank kasus

    13/33

    907,/,5,3,.,-,3-,3,83,8,207,$07,990780-:9084,2,,320,:,343107038507820303,9-,3,83,805079,5,2,78,2,8,2,9,

    ,9-084,73:,73,05,/,%02,73

    !0,8,3,9:,8709:7!0703.,3,,3$97,908/,3:-:3,3,8,7,,914,38,203,2-,,3,:/9,3/,:,3907,/,59-,3205:950307,5,3

    89,3/,7/4507,93574.0/:70$!503,,8,339073,39073,.439748079,50,3,7,3,3/,:,3907,/,5507,9:7,3$090,#,,39,09,:3,39

    50,3,7,3,5,8,,,3/,:,3409-,3:,71

    #:,,3,,3202:9:8,30388,38,5,,3,,/03,,35,/,9-,3,9,8

    50,3,7,350,3,7,3,3,,:,3-07/,8,7,3,8,:/9,,/,50,3,7,3

    ,38:3,203,,38,389072,8:502-07,:,3:05,9:9,3/,30,,,319,3/

    5745079089:,30,81

    9-,35,87,/03,3,5,5:35:9:8,33,394:39747547,9011,780,/9-,33/4308,99,2,4780,203:9:7,39-,3,,3203:980:7:704203/,8/,3

    507239,,3,3/8,25,,3,9,8,8,:/99-,3%072,8:507-,,3$!8079,

    4397439073,709:705,9:,39-,38,,9302,7380/,3-07/8:8/03,3,9,3,

    ,,2,8:850,3,7,3$!80-:,-,3907,3.,28,38-07,9/,72:,19,3/574507

    9089:,38,25,/03,3503.,-:9,334507,843,:39-8382,:5:3-,3,:

    $,97,3439,3

    3,#04203/,8!#%07,9,8:89-,3

    733,203/:897507-,3,3,-,9,8:89-,3202-:,9428!#

    20309,5,3-:97704203/,805,/,9-,3/,30548,3!,::84,

    ,,79,428!##20309,5,3-:97704203/,8907,9,8:8502-4-4,3

    7003340,3/,00/,302,9,33,8,-,,79:70/99-,37039,-0-07,5,,9:,:

    $08:,5030,8,37082,3/9072,428/,7,33/4308,0548,3/,3

    9-,3/,,27,5,907,80,2,,75,/,579039,35072,8,,,3

    02,9,3703.9,3,8,-,,79:70/99-,3/,35030,5,3/,3,3,8,-,40

    2,,428-070825:,3/,3203,2-05:9:8,39:9:75253,37,5,9428

    .8,3:"48,8/0/:3!#$03,,3,,79,:2,957

  • 8/6/2019 Citibank kasus

    14/33

    /,5:3-:970825:,3428,3/5:9:8,38090,202,3,33/4308,9-,33/4308,/,30548,3907,3:2805079/-,,3

    428!#8,3,90.0,/,320308,,324/:84507,3/503,,39:3,,3

    ,79:70/9,3/,:,39-,33/4308,,3//:,90,2030-,-,32,93,3,8,-,9-,33/4308,703.9,

    ,,9-,33/4308,207:5,,3.,-,3/,79-,3,3-07,39475:8,9/047$428203,25,,35749087082/,3203:39:9,3947!:8,99-,3/

    047:39:20239,2,,1/,3-079,3:3,,-80.,7,::2-,2,9072,:5:322,90705,/,0:,7,47-,38079,7,,93/4308,

    428203,9,,3-,,50789,502-4-4,3/,3,3,8,-,,3/,:,3

    203:3:,3-,,-:,38,,88902/,357480/:74507,88079,503,,8,339073,

    9-,33/4308,,302,909,5:,09/,5,9:,39-,3907,/,5507,9:7,3,3

    3/4308,/,33897:8,33/4308,9039,35078,7,9,380791,850,-,9-,3/,3749,8

    ,7,,3/,,2,3907,/,5

    428-07/,8,7,35030,8,3/,3503,:,39-,3203,9,,3-,,0,,,309/,5,9:,39-,3907,/,5503,,8,3!07,9:7,3/,33897:88079,

    02,3,503,,8,390,2030-,-,3907,/3,503,,:3,,3003,3/,3

    502-4-4,3,3/,:,3/,3207:,3050393,33,8,-,%/,,3,9:/,,97,3,,3207:8,0507.,,,32,8,7,,9907,/,5.,-,3.,-,3-,3,83,3-074507,8/3/4308,

    0,703,9:-07/,8,7,3-:97/,3/,9,8428!#203/08,,,7

    /,,2,9:,380.05,9.05,93,203,2-93/,,380-,,-07:9

    ,030//,3203,9:,38,38,390,805,/,9-,33/4308,808:,

    507,9:7,3,3-07,:

    -03/::3/,3203/08,0548,3#:39:202-43,7/:,,3,/,3,57,90

    0,,9,3507-,3,35,/,9-,3808:,507,9:7,3,3-07,:-,5/,3,

    :2:25/,3,507-,3,3/,393/,5/,3,503.:.,3:,3

  • 8/6/2019 Citibank kasus

    15/33

    428203,9:,8/,,220,:,3503,,8,3/,32030,,3507,9:7,3907,/,5-,32,88,3,902,/,39/,90,8

    42820704203/,8,3/,3203/08,:39:202-0:,30,9,350307-9,3

    ,79:70/99-,3,3-,7:9079:380,9,3,/0:,7,33,8,542888,25,,8:82033,3,703.9,8008,/,32025:3,05:9:8,3::2,3905,9

    428!#203/08,:9203.,-:92070;8/,3203025:73,,3!4!/,3$4$!907:9,2,20303,9,9,.,7,50,8,3,,3503,,3

    ,9,89:3,,3,3/7,:,3/,32,.0905,/,5,09,$0,2,70;8/,3503025:73,,3/,:,32,,5,507-,3,3,7:820,:,3503,,3,38:3

    05,/,3,8,-,3,

    428!##203/08,5/:9/,5,9/03,390,820307,5,3,8,8507,:,3

    ,3809,7,,8,8708574,-,9/9-,33/4308,2,:5:3:,9/.,-,3

    .,-,3,383-074507,8/3/4308,/2802:,28507-,3,3

    $08:,/03,3,8,83,843,9,8/,30/,:,9,3#2,,428!##

    -07429203:920,:,370;89/&&99!07-,3,3/,3&&99,33/4308,5/,8,$/,3'%,:3$/,3

    3/:897507-,3,3207:5,,33/:897,3203,3/,,30507.,,,32,8,7,,9

    ,8:82033,3,8,,8,9:3,8,-,9-,33/4308,/,3502-4-4,3/,3,

    3,8,-,9-,33/4038,4050,,3,803/78079,,8:85030,5,3/,3,

    2,8,7,,98599//,-:5,903!0887$0,9,3$:2,907,,7,9/,5,9207:8,.97,/,3

    0507.,,,32,8,7,,9907,/,5/:3,507-,3,3079994,/,7,90780-:98079,

    /,7,5,3,,7,8:8,8:8807:5,,3907,//9-,33/4308,9/,907:,3

    02-,/2,8,/,9,32,,4288!##805,,9,,3202-039:!,39,07,:39:203/,,2-07-,,5072,8,,,3507-,3,3803,/,5,920302-,,3

    0507.,,,32,8,7,,9907,/,5/:3,507-,3,3

    05:9:8,33/8,25,,305,/,5253,3!#:39:/907:8,30!708/03#

    !253,3,0!#:-073:705,,0548,3#:-08$!253,3,3947

    !:8,99-,3/$/,30:,7,,2,7:2703.9,

  • 8/6/2019 Citibank kasus

    16/33

    428!#20239,05,/,/,39-,33/4308,,,720,547,350,8,3,,305:9:8,3428!#/,,2,9:8,9:-:,380,05:9:8,33

    /0:,7,3

    ff-fff

    $&$%

    ,,3,:,319,3/5745079089/708

    9-,33/4308,

    #%,33/4308,,,320,:,319,3/5745079089,9,::0,,,3

    /709:7:9,2,-08079,,,7,39-,33/4308,,3907,9,8:8/:,,32033,3,

    8047,33,8,-,,79:70/940503,:9,3/,3502-4-4,34043:250,,

    9-,3

    ,,38007,20,:,319,3/574507908905,/,/7089-,3/:,50,3/,7

    80,7,3,9,:/#4.,/05:9:-073:7,33/4308,8,,9/902:8008,

    431070385078,8#,5,90,3:-073:7#$0,8,

    &39:2030/,3/:,,8:8/-,3,8,207,$07,9$3-,380397,

    -007,8,2,/03,3!:8,9!0,547,3/,33,88%7,38,80:,3,3!!%/,3

    0548,3#05:-3/4308,#

    :/-,3-,380397,02:33,3,,320303,,38,3809-,3-07:5,90:7,3,/2389,913,502-0:,334507,843,,79:70/9/,357;,90-,339-,3

    ,3909,54507,843,9-,3/3/4308,-0:29039:/039,3,,:5:30,9,3,79:70/9/,357;,90-,33-8,/039,3!,8,3,/:,,90780-:9,3,203,/-,,30./,,24507,843,-,3

    :/203,2-,,39-,35073,/03,,38,3884,97,38,8/07;,91909,5

    90,8203,,3,3,9:7,39/,202,3/,38:,9:-,39079039:-,-,3,83,9,:5:3

    4,2-:3,

    %03,3,23,8,-,,3

    ,8:89-,3%,!03,7:

    3,3.057

    $.42!,7,04342203/08,49479,82430907202-078,3890,805,/,

    9-,33/4308,,7,5,3,33/4308,202-0:,3802039,7,80:7:

    0,9,3:8,,3,3,50784,,3::2,32093,/8008,,3

  • 8/6/2019 Citibank kasus

    17/33

    ,,2,39-,390,,,202507:,94397439073,3,,9:/3,80-,,0.074-4,3,3:,7-,8,803,8,38,3/,9:,39,,80,/,7:39:

    203::280039743:2,7,,33,,3907-,9/,,2,80,,9,39,59-,380-,,3899:8:,,-/::280925,

    039:::2,3,3,,3/9072,9-,3-8,-07-039:/03/,8:8503847,3,9,:47547,83,502-0:,30,9,3:8,,,2:3,08,,,39-,388902

    80-,,47547,8/,,7:8/::2-07,9805079502-0:,3:8,,802039,7,

    ,8,38,3,-0781,9507843,,380,/,72020.,95,7,,7,,33,,3907-,90,,9,33,2,-,,33/4308,:897:,,3:9907.4703/2,8,7,,9,7,,7,:,

    723,-,3,83,8,207,$07,99:

    08,,,39-,33/4308,8,3,988902907:9,2,/,,2503,,8,339073,,39,

    -07,,3-,-,93,2:3.:,8:8343,3/,00,3/8,3,,32430

    ,:3/073:,33,8,-,80-08,7#52,7#52,78079,502-:3:,33,8,-,

    9-,3703.9,40/0-9.40.94783,

    $890239073,9-,3,39/,,,335,/,,73,202.:,9,:232,202-:,

    50:,3907,/3,0/:,,8:890780-:99-,3,7:8/::2-07,9:,7:,22,/8,!02253$:7,-,,,3/902:038,3/4308,.42:8,:8/,'/$,37,

    490$:7,-,,2,,2

    9,3,/,25,:39:/03,3,/,3,0/:,,8:890780-:95,/,3,8,-,,38,

    203,,-/03,3039039/,,30,8,8:89:9/,,/,0103,$,25,8,,93

    909,53472,3472,8,,45:3,83,,

    O,f9f@f@fff

    fJ

    %If9f Off ff ff

    fffffff-9fffff

    ff9ffffffffffffff

    ffnffffff

  • 8/6/2019 Citibank kasus

    18/33

    ffffJffO9fffnffff

    f%$$

    f ffff fOff

    ffff9fnfffffffff

    fffffnfffff9fff

    f

    @ff,ffffffff fff

    ffffnffffff

    Offfffnfffffff

    ffffnfnnffffffffffff

    O fffffff9f9ffff@ffff%99@

    fff9fff%9fffff

    ffff

    ffffDf

    fJ

    %Ifff%ffffffffff

    fffffffffffffff

    fffffffffffffff9n%9

    fffff@ffffffffff

    ffffffffffff

    ffffffffff

    -fffff9ffff

    Dfffffff%$$

    fffffffffffffff9ffff

    fffff9ff

    9fffffffffffff9f ff9fff

    fffffffffffff

  • 8/6/2019 Citibank kasus

    19/33

    fffffffffff

    fffffffffff f

    fffffffffffffffffnnfffff

    ffffffffff%nnffff

    fffffffffffff,ff

    ffffffffffffffffffff

    ff

    -@9@@

    /,43857,8/,8:89-,3

    V^_a_SVa`^SW[ZW

    -@9@9

    STa%\^%cT

    !,33/4308,2030,8,3,,:.9-,320,3,7,9:7,320303,,,3,394//03,33/,843857,8//,,23,2,3,17,:/8050799:9/,-8,

    //:,408,5,5:39072,8:502/,3/708-,3

    $0-03,73,17,:/8050799::-:3,33,/03,339073,-,3203,,839073,

    439743,,79:70/994/9:,/,,0,/,3,3$4!3,,/,9,59/,

    /,,3,3/,3,43857,8,/,808047,3,703,0.,,5,33,/507.,,:3,5

    :-073:7,723,8:9438,,9202-07,3:,:2:2/&054#,-:

    ,203,2-,,380-03,73,/,,250,3,7,338:/,,/,1907/,7:39:

    203,,33,,38,,8,9:3,,/,3,.,/0-9

    $0-09:3,2,8,/,19073,.,/0-9,3-03,7-03,7202-:,95030:,7,330300543502,,::2,3,-08,7,37054943,343/03,3.,/0-9

    3.,7,3,203:8/89:/14723,.:8942073,/,9,3803/79,2-,3,

    ,723203,2-,,3:39:1907,3,3,/,,,7:8,/,3,2:9,850,,%09,55,/,,8:89-,303/,203,3.,2,,353/,0-,3,3:9,8,7:8,/,

    03/,3203,9,,3,:,,:/2:9,8,:53/,0-,3,3.079,/,

    ,/0

  • 8/6/2019 Citibank kasus

    20/33

    fff9ffffff

    fn

    fffO9ffff%ffff

    ffffffffffff

    ff

    9fffffffffffffff

    fff

    #fffff9 ffffffff

    f9fff9ffffffO,9ffff%$$

    ff ffffffffffff

    ffffff ffffffffffff

    fff9fffffff

    &Offffffffffffffff

    &fffffff%nnffffffff

    fnDfffffff

    &fffffO ffffffff

    f9fff9ff

    &Offfffff9f9ffff@ffff

    %99@fff9fff%9fff

    ffffff

    &Offfffff ffffffff

    9--

    ff,ffffff

    fffJ

  • 8/6/2019 Citibank kasus

    21/33

    #%!$.42,8:8502-4-4,3/,3,3,8,-,/,32033,3,/0-947,79:70/99-,32:,-072-,85,/,-,3,30507.,,,33,8,-,80/95:/,7

    /03,32:,-079,3,9,3,,9,80,2,3,3/,3,2070,/80-:,-,3

    0,,9'.0!708/039!03:,,3438:207!%,3:453%-203,9,,3-0-07,5,3,8,-,2025079,3,,30,2,3,3/,3,2070,/:453

    $4,,8:89-,3-0-07,5,3,8,-,,/,,32025079,3,,3,5,,,2,3/,3,

    2070,/:453,2907:8202-07,30507.,,,305,/,3,8,-,-,,/:453

    8,3,9,2,304,,3/,3,3,,9,0$033

    03:7:9/,:4538:/,9,:3-07/7/3/:897507-,3,3%,3,7803,88902503,2,3,350,,/,3307,3,/,5,9/507.,,

    :453907:8-07:5,,20302-,,30507.,,,33,8,-,80-,--,3-07445443

    -07333:,2023,8,-,57;,90-,33/03,3232,/,3,80-08,7#5:9,%3/,0,,9,3/,317,:/9:-0:29039:907,//802:,-,3,2-07,7,5

    2-,83,9,-08,7907,/,53/:897:,73,3,,39,439,3

    Jf@f9ffff

    f9f

    ff

    f

    f

    @ffffnnffffffff,fffffnffffffff

    fffffffff

    ffff%fffffffffffff

    fffff,fff%9,ffffff

    fffffffffff9,fDf

    ffffffff%$$

    ffffffffffffffff

    ,fffffffff

  • 8/6/2019 Citibank kasus

    22/33

    fffffffffffff

    ffffffffffffffffff

    fff

    %f

    ff-ffff

    f9ffff-ffff

    f-,ff

    f

    f

    f

    @ff%fffffffffffff

    ffffffff,f%,fffffff

    fffffffff

    f%f ffffffffffffff

    ff,fffffffff

    ffffff%$$

    ,ffffffff fffffff,ff ffffff9ffffffff

    ffffffffffffff

    ffffffnfff

    fffffffffffffffff

    fffffffnf,ff,f

    ffffffffnf

    fffnfffffffffffffffffffff

    ffffffffffffff

    f9ff9fff@fnffnf

    $$

  • 8/6/2019 Citibank kasus

    23/33

    -,ffffffffffffff

    ffnfffnfffffffffffff

    nff

    9fffffnnffn%Df

    ffffffffffffffffff

    fffffffffffffff

    fff%ffffff

    ffffffffffffffnfff

    fffffffffff f

    ffff

    #fffnff@f9%ffff9fffff,%

    ff,ffffffffnffffff

    ffffffff-,fffff%$

    ffffffffffffffff

    fffnff#fffnffffnfffnff

    fffffffDf

    ffffff,fffff,fffffffffffnfff#fffff

    fffffffffffffff

    ff

    ffffffnfff@ffnfff

    @ffffffffffffffff

    ff9ffff%9fffn%f

    fffffffff,ffffnfffffnfffff#fff

    ffffffnffffff ff

    9fffDfffnfffffffff

    fffffffffnffffff

    ffffffffff

  • 8/6/2019 Citibank kasus

    24/33

    9ffffffffffffn ffff

    ffffffnfffff# ff

    ffffffnffffDf

    ffff9ffnfffff

    fffffffffffffffff

    ffffffffffffff

    ffffffffff

    #9fffffff,%fffffff

    ff fffff ffff

    fffffffffffff

    ffffffffffff

    fffffffffffffffffff

    ffffffffffffffff

    #ffffffffffffffnf

    ffffffffff-

    !:9:8,3,8:89-,3,73

    9f

    #%!$.42%:39,88:/,,:/9,33/4308,907,/,59-,3

    907,9,8:85030,5,3/,3,3,8,-,40,7,,3/,390,83,3,8,-,,79:70/93,$0-0:2202,5,7,305:-,,3202-,,8,8,:/990780-:9/7,5,9

    0,3:-073:7#,73

    05:9:-073:7,2,28,,3202-,,-/,3503,,8,3507-,3,3

    203:3,5,38,,8,9:,03/,#23:,3,3,/,,202-,,8,8,:/9

    907,/,5,3,.,-,3-,3,83,8,207,$07,990780-:9084,2,,320,:,343107038507820303,9-,3,83,805079,5,2,78,2,8,2,9,,9-084,73:,73,05,/,%02,73

    !0,8,3,9:,8709:7!0703.,3,,3$97,908/,3:-:3,3,8,7,,91

    4,38,203,2-,,3,:/9,3/,:,3907,/,59-,3205:950307,5,389,3/,7/4507,93574.0/:70$!503,,8,339073,39073,.439748079,

    50,3,7,3,3/,:,3907,/,5507,9:7,3$090,#,,39,09,:3,39

    50,3,7,3,5,8,,,3/,:,3409-,3:,71

  • 8/6/2019 Citibank kasus

    25/33

    #:,,3,,3202:9:8,30388,38,5,,3,,/03,,35,/,9-,3,9,850,3,7,350,3,7,3,3,,:,3-07/,8,7,3,8,:/9,,/,50,3,7,3

    ,38:3,203,,38,389072,8:502-07,:,3:05,9:9,3/,30,,,319,3/5745079089:,30,81

    9-,35,87,/03,3,5,5:35:9:8,33,394:39747547,9011,780,/9-,3

    3/4308,99,2,4780,203:9:7,39-,3,,3203:980:7:704203/,8/,3507239,,3,3/8,25,,3,9,8,8,:/99-,3%072,8:507-,,3$!8079,

    4397439073,709:705,9:,39-,38,,9302,7380/,3-07/8:8/03,3

    ,9,3,

    ,,2,8:850,3,7,3$!80-:,-,3907,3.,28,38-07,9/,72:,19,3/574507

    9089:,38,25,/03,3503.,-:9,334507,843,:39-8382,:5:3-,3,:

    $,97,3439,3

    O

    O

    4

    4

    4

    3/4308,-,78917424503330

    -7,3.081470,7

    ,f@

    @f

    O fn

    O f

    #%3/4308,8.0397,-,3,8-,770/974:517424503330

    -7,3.0839,9.4:3971474300,7-08/088,553,80418,3.9438,2/13/389,9

    904-,-,332,47,8;4,90/;,74:870:,9438390.4:397

    %0,90898,3.9438-,33/4308,.420,9,92003983/4308,34507,9438,70

    5,:0/-,0,9438411:3/02-002039-,302540094909:3041243841/4,78

    ..47/39420/,705479890,50-,3290;0370;4098.03.094/4-:8308833/4308,12470;4,9438,7014:3//:7390574-0

    @ffffffffff,fff

    fffffffffffffffffff

    f9nffffff,fffff,

  • 8/6/2019 Citibank kasus

    26/33

    ffff fffffff,ffff

    ffffffffffnn

    fffffffff fffffff

    ffffffffff ffff

    fffffffffff ffff ffff

    ffffffffffnnffff

    @fffffffffffffff

    fffffffffffffffff ff

    f

    ffnfffffffffff

    ffff,fffffffff

    ffffffffffffffff

    ff,ffffffff

    ff ffff-ffffff

    fffffffffffff

    fffffff,ffffffff

    ffff fffffffffffff

    989-,3934907$0941$,3.9438

    ,33/4308,,334:3.0/437/,,80708418,3.9438439-,33/4308,147;4,94384139073,-,370:,9438,3/782,3,02039,80,80,30880839839073,.43974,3/4507,93574.0/:708

    %08,3.9438,334:3.0/-05:94;07347:/#4.,/070,940,7170004330.70/9.,7/.:89420781479-,33/4308,,-,343,.6:733057479-,33.:89420781474300,7,3/,4300,7247,947:2434503330-7,3.411.089-,38,990.03907419443438.,3/,84308:774:3/38:85.4384102-002039,3/9049073;4;390/0,941,.70/9.,7/.:894207%070070;4,94384190-,3839073,70:,9438,3/782,3,02039%070070,840,30880839089,3/,7/4507,93574.0/:708,3/39073,.43974:/94/,308.4310703.0,990.0397,-,308,/908,3.9438944220/,900110.9437/,-:90,//0/9,99-,3,8,40/94.4393:0807;3980893.:894207834907/05:94;07347,2,28,8,/9024;0,85,794190.0397,-,3801147994038:7057490.9431473/4308,8-,33.:894207804509,999080890584907-,38,84-02500/942574;09074507,943808,/9-,3,8,84-,330/1742:8397/5,79/0-9.40.943807;.08147940,781472079-,370,943852,3,070,74/343,3/,008,..:80/4102-03243841/4,7817420,9.03983,7.

  • 8/6/2019 Citibank kasus

    27/33

    3908,202439703.9,80.709,70307,41,82,549.,5,79/0/,9430419-,38-7,3.411.083$4:9,,79,,1907-03.43174390/-/0-9.40.947870/-90-,394809908.70/9.,7/-899,2,4780,.4:397.47547,90,11,780,/419-,33/4308,8,/90-,3,8473.4809,33/4308,,3/9,3,,.943830.088,794200998/02,3/8

    0,;0,70,/9,038905894897039034:739073,.43974574.088080,;0,8470/30025400894-734:7/0-9(.40.943574.08834:800.4393:094250203990,557457,90.4770.9;0,.94383.438:9,94394:770:,94799,8,/3,70854380946:0708174290,,79,4-00,708970;03908,3.943888:0/-94:/-05702,9:7094850.:,904390549039,25,.9944:7-:83088,33/4308,,848,/9-,3.4:3972,3,07$,74.9,7,3/490700.:9;084:/:3/07419,3/57450790898389,11202-0725.,90/34110380847:941300.984:/-0170/:/8,/$,3.9438.4:/-0.420247080;07008,//0503/34390708:98413;089,9438-90

    54.0,3/903,3.,%7,38,.943#054798,3/3,8803907!!%0897,2,,39,30.434289,9,3,3/790.4:3978,7089-,3-,880988,/,33/4308,//907993-5:3839-,3%0-,333/:89785743094.7808,3/,33/4308,,89,03,-4/24;0808,/

    9-,300.:9;082,480.,700781901,90898907$,2-4%0,,79,!489,,79,%:0:83088

    9-,300.:9;08.4:/4809074-8470;03907.,70078390-,333/:8971901,,19,3/574507

    9089.:77039-030/,85,794190503,90825480/4390-,3-90.0397,-,3,-,33050798,8

    ,33/4308,/05:94;07347:/#4.,/8,/43/,9,990.0397,-,3,/.0/4119019,3/574507908981479-,3800.:9;08.4:/,89/,8

    9,3/57450790898,;0-0:39.4:/-0,990-,347,9411.084749075,.08:/8,/3,909

    2088,0

    $,76:9,79.4:397411.071473/4308,,88003,9900,/411.04343/,-:9//3490,-47,90

    18;89,8949,0909089

    $9!7,2434.,72,34190,943,,33884.,943!07-,3,894/%0,,79,!4899,9904789

    .,808.03,74,8,708:9419019,3/57450790898,89,9-,307841,0/90908984:/344307-0

    ,40/947:3,-,3390.4:397

    ,307809075,88471,19,3/574507908981905,8890,705072990/9447390-,333/:897

    :91901,90.4:/-0.0/4:94729349-05072990/944507,90390-,3380.947$98,/3,

    90054303907;04343/,

    /0./0/94.43/:.919,3/574507908981479-,300.:9;08,1907,850.,3;089,9433.90.0397,

    -,314:3/9,990-,31,0/942009,850.984189,3/,7/4507,93574.0/:708$!,3/3.42539

    870:,9438430,92,3,02039,3//0-9.40.943

  • 8/6/2019 Citibank kasus

    28/33

    %019,3/57450790898,70,243,809418,3.943825480/439-,3-,2/3;089,943-90

    ,943,!4.0394-4990/0,941.70/9.,7/4/07703.9,14436:089433-/0-9.40.9478,3/

    ,00/02-002039390-,380,92,3,02039-:83088-8034770,943852,3,07343,3/,

    004,8-003,770890/

    %08,3.9438.70.0;0//08570,/57,8017424-807;0783.:/0-,7739-,31742,.6:73

    30.0398147980,92,3,02039-:830881474300,7,3/70897.9391742833:530.70/9.,7/

    .:8942078147940,789-,38,84349,40/94:8097/5,79/0-9.40.9478147940,7847450330

    -7,3.411.081474300,7

    :7390/,908989000.:9;08,70349940,;090.4:397

    39019,3/57450790898$98,/909-,300.:9;08-03907;00/,-4:99077085438-908,990

    -,330307,,3/850.1.,,-4:9907340/04190770:,757,.9.0814:3/,990-,3

    190,7039034470;033;4;0/901,909089:9190070:3,,7090349-0

    5:380/0,//0/

    03,80/,-4:99019,3/57450790898,3/905488-9419800.:9;08-03.0/4:94190-,33

    3/:8979-,33/4308,8.4:397.47547,90,11,780,/99,2,4780,8,/90-,34:/,..05990

    4:9.4204190.0397,-,3890898

    0,70473.4809,33/4308,,3/1:.44507,934325020393,70.42203/,94389

    4:/-05702,9:70147:894.4220394390574.088474:9.420:390,70314720/-4:770:,94799,

    8,/3,89,9020393708543809490!48986:0708

    %

    9-,39410,8:9,,38903/,00,38,;/%,25:-443%0,,79,!489,,79,0/!,943,

    9-,33/4308,,8,334:3.0/5,389410,,8:9,,3899814720700.:9;0,3/7,198:850.9343

    ,3/,,,03/,0048.:77039:3/073;089,943147078:850.90/02-00203941,708:28

    17429-,3.0398,..4:398

    0,70.422990/9413,.;,8:9,,3894:714720702540003/,009470.4;07488083

    .4330.9439078:850.90/(17,:/:039,.9;90840;070,;0/0./0/945:8-,.9013/,90

    9-,33/4308,.47547,90,11,78.0199,2,4780,8,/3,9092088,0803994%0,,79,!48943

    0/308/,

    0,70.:7703913,3900,/4.:203989-,3,80749407,3.014717,:/:039-0,;47.422990/

    -,30254008,8.:894207897:8984:7945574790,;0,70,/10/,.723,.425,39,,389

    03/,00147.80702,38354.0.:894/,3/0.4393:094.44507,901:99054.0

    3;089,94399,8,/

    03/,,00/02-00/,90,89#5-43&$24317429-,3.:8942078,3/,:3/070/90

  • 8/6/2019 Citibank kasus

    29/33

    574.00/8974:2,907,5:7.,808,3/,33;0892039.425,3

    ,33/4308,,8,8425480/8,3.9438439-,314439003/,02-002039.,80,3/

    /0,9414304198.70/9.,7/.0398:3/078:85.4:8.7.:289,3.08,190720093/0-9.40.947847314790

    -,3

    ,33/4308,05:94;07347:/#4.,/8,/9-,3,8-,770/174288:3.70/9.,7/89430

    .:8942078147940,78%0-,3,8,84-003574-90/1742833:530.:8942078147985702:2

    0,9807;.081474300,7

    ,8447/070/9-,334994:8097/5,79/0-9.40.9478147940,78,3/,8-,330/90-,31742

    4503330-7,3.411.08:393090,7:/8,/

    9-,30924708,3.94388907$,2-4%0,,79,!489,,79,%:0,/308

    ,33/4308,88:024708,3.9438,,38990974:-0/9-,3,190790.0397,-,314:3/9,/;4,90/89,3/,7/574.0/:708398/0-9.40.943,3/57;,90-,33807;.08

    0397,-,34;07347,723,8:9438,/3,,79,430/308/,9,914:3/,3:2-0741;4,94383

    9-,3894/57;,90-,33,3//0-9.40.943/:73,70.0393;089,943

    ,7238,/90.0397,-,34:/88:0503,9081479041103808-:9/0.30/94850.1908,3.94388,3

    908,3.943807089:3/07/8.:8843-90.0397,-,38-4,7/414;073478

    0300/92094,4:9908,3.9438.0397,-,34;07347,72394/705479078,1907,0.9:70,990

    &3;0789413/4308,8$.4441.4342.83054

    854082,314,38,8,/908,3.94384:/-0,334:3.0/939000,80,7089

    1443:599090,28,3/.4384/,93903;089,943708:984194/,3/98.70/9.,7//0-9

    .40.94357,.9.08

    ,7079824399-,3/03910/8:85.4:897,38,.9438,90714:3/94-0,3,00/02-002039.,8041

    .0391:3/847924709,3#5-43-9894/70,94382,3,07343,3/,,,,3/,004

    ,8-0039,03394.:894/-90,943,!4.0

    4943,19079-,3-0.,203;4;0/3,349078.,3/,3;4;398.70/9.,7/.:894207703.9,4

    /0/,190720093990-,38/0-9.40.94784,00/-0,9:590.:894207,19070.425,30/,-4:9

    831,90/.70/9.,7/-

    9-,38;4,9438,..47/394,7233.:/03,/06:,90$!889,3/,7/4507,93574.0/:708(,3/

    1,0/$!8

    9-,3,24349078;4,90/,.44507,943,70020399/0-9.40.9478%0!70:,943(895:,908

    9013,7085438-98990-,39-,38574.0/:708(8,.40.9478-00/7085438-0147

    .40.94388:08(18,/

  • 8/6/2019 Citibank kasus

    30/33

    93/4308,8.4:397.47547,90,11,780,/99,2,4780,8,/9,99-,3,870,/94.44507,909

    90.0397,-,394203/98-:830884507,9438,..47/3

    0,70473.48099070:,94794:3/0789,3/,3/,//7088,3.43.073890,;0434:7/0-9

    .40.94357,.9.089,8,/3,89,902039803994%0,,79,!489

    85,330/8,3.94381440/90902547,7430825480/-90.0397,-,30,7074357039-,3

    8:8503/0/9894//;843174270.7:9330.:89420781443,347/07174290.0397,-,3.,84

    94/9-,3948945574.088330.70/9.,7/,55.,9438503/3,33;089,94339490/0,941.:894207

    .9,0020999-,3/0-9.40.9478

    0,3090,943,!4.0,334:3.0/0/308/,9,/,770890/,.9473/,:2,3370,9439490

    ,00/02-00203941:594#5-43-1472079-,370,943852,3,07,3/,00

    ,943,!4.02430,:3/073/70.947,90.01$7427:3$09,8,/0/308/,9054.0,/

    034:0;/03.094,770893/,

    ,7073/,,87054790/39020/,94-0,3/,8:8-,3/-:907,994730,907,334:3.0/98,8:397:0,3/,805,7,90/174207:8-,3/:808,/

    ,33/4308,.,39204390438470

    0,92,709

    %:08/,,

    O 442,7O %9907O O 2,O O O %09O

    O O O !739

    $9,,0,/41902,709$3:51474:7170030809907

    $4:7.0,9,2439478,708:9418074:81,38,90,92,3,078390.4:397,3

    3/4308,,888:0/,247,947:24390,.6:894341300,9.03981474302439

    090247,947:28902547,7903.4:7,00,93/4308,389424;0907

    243041184709070-03,3.390507.0594341$3,5470 ,8,:-1477043,

    0,92,3,02039

    %0.0397,-,3413/4308,,847/070/,700;,39-,389489459,3432,88,11:039,3/309479.03981474302439,8,708:94190:3.4;0734117,:/,3/1,38,99-,33/4308,84384700,92,3,02039 ,729-,3,8,84-,770/

  • 8/6/2019 Citibank kasus

    31/33

    174245033,3,//943,-7,3.081474300,7,3/9,343,330.70/9.,7/,..4:398%0808,3.94388074:825,73908479907290-,38,-994-:/4398548943,84304190.4:39780,/31470313,3.,807;.08574;/078

    04907147030,92,3,0782,,3,902547,7,/;,39,0974:9080503,90803.425093147-:830883904384703/4308,32,70990243943247,947:2.079,3/05708890/0;0452039413/4308,843847057;,90-,33

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  • 8/6/2019 Citibank kasus

    32/33

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  • 8/6/2019 Citibank kasus

    33/33

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