Nelty Salviani
Bank Pembangunan Daerah Sumatera Selatan Bangka Belitung, Palembang, Indonesia

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Expansion of The Business Judgment Rule Doctrine for Regional Development Bank Employees In Non-Performing Loan Cases Nelty Salviani; Ryzky Yan Deriza
Media Hukum Indonesia (MHI) Vol 4, No 3 (2026): September 2026
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.23636891

Abstract

This study aims to analyze the determinant factors causing the legal vacuum in BJR-based protection for BPD employees in anti-corruption cases and to formulate a legal construction expanding the BJR doctrine as a material testing parameter in criminal proceedings. Employing normative legal research with statutory, conceptual, and case approaches, this article introduces a novel concept termed derivative business judgment protection. The findings reveal that the legal vacuum stems from a formalistic reduction of fiduciary duty exclusively attached to the structural Board of Directors and the lack of synchronization between the regional public finance regime and banking business risk. This study constructs a derivative expansion of BJR for BPD credit-line employees through five cumulative material testing parameters—validity of delegated authority, compliance with Standard Operating Procedures (SOP) and prudential banking principles, absence of mens rea (fraud, bribery, or conflict of interest), ex-ante rationality, and external causality of default—to demarcate credit business risks from the unlawfulness of corruption.