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All Journal Media Hukum Indonesia (MHI)
Amanda Fitra Hamzah
Fakultas Hukum, Universitas Pembangunan Nasional “Veteran” Jakarta
Law, Crime, Criminology & Criminal Justice

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Dispute Resolution of Debtor Default in Working Capital Credit Agreements at PT BPR Kredit Mandiri Indonesia Amanda Fitra Hamzah; Yasmin Fakhira Khairatun Hisan; Audri Razan Anargya; Dwi Desi Yayi Tarina
Media Hukum Indonesia (MHI) Vol 4, No 2 (2026): June
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19754276

Abstract

This study was motivated by the increasing risk of default in banking credit agreements, particularly in Working Capital Loan as well as the application of collateral seizure as legal protection for creditors. This study employs a normative legal method, analyzing Judgment No. 2/Pdt.G.S/2024/PN. Cbn, within a conceptual framework. The findings indicate that dispute resolution proceeds through a tiered process, ranging from non-litigation channels to litigation channels. The application of collateral seizure in this dispute resolution serves as a crucial instrument to secure the Debtor’s property rights and ensure the effectiveness of court decision enforcement by implementing the principle of banking prudence. This enables the optimization of credit agreement dispute resolution in a proportional manner and based on concrete evidence to maintain balance, justice, and legal certainty between the Creditor and the Debtor.
Co-Authors Audri Razan Anargya Dwi Desi Yayi Tarina Yasmin Fakhira Khairatun Hisan