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Journal : Journal on Education

Analisis Pelaksanaan Batas Maksimum Pemberian Kredit (BMPK) dan Implikasinya terhadap Kesehatan Bank: Tinjauan Literatur Sihaloho, Esra Sparia; Syeba Rajagukguk, Rahel Rut; Sinaga, Ester Novianti; Sinaga, Angel Febriyanti; Siallagan, Hamonangan; Hasugian, Christnova

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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i2.8334

Abstract

This study aims to analyze the implementation of the Legal Lending Limit (LLL) in the banking sector and its implications for bank health. Legal Lending Limit (LLL) is a regulation set by Bank Indonesia and the Financial Services Authority to control concentration risk in lending, which aims to maintain financial system stability and public confidence in banks. Through the literature study method, this research identifies various challenges in the implementation of Legal Lending Limit (LLL), including the impact of economic fluctuations and the need for wider access to financing. The results show that while Legal Lending Limit (LLL) serves as a risk control tool, its implementation requires a deep understanding from banks and financial institutions to achieve a balance between risk control and credit provision. The study recommends improved education and training for relevant parties as well as the development of more responsive policies from banking authorities. The findings are expected to provide insights for the development of healthier and more sustainable banking practices.
Co-Authors Agnes Agnes Aritonang, Berliana Artono, Rikho Givson Aruan, Hicca Maria Gandi Putri Asmida, Asmida Aurelya Zai, Cindy Tania Banjarnahor, Yesi Inda Suryani Barus, Epi pransiska br Batubara, Wahyudi Bawamenewi, Mei Masrohani Br Saragih, Kristian Armelindo Br. Tobing, Gresi Lusina Butar-butar, Juwita Riama Anzelina Cathrine, Gerry Daeli, Jeven Putra Efrain Sinaga, Roy Alfonso Enjel Sitinjak, Dian Mika Ester Ester Five Zai, Putri Gaol, Feby Yosepha Lumban Gea, Iwan Girsang, Juan Ari Deo Habeahan, Jhon Andre Hamonangan Siallagan Hareva, Yasman Harianja, Adelina Histi Hutabalian, Adelima Hutagalung, Julita Fransiska Hutapea, Haris Hutapea, Veby Elfrida Hutasoit, Naomi Serepina Hutauruk, Rika F Indah Sari Irianto, Tomi Kesia, Tiori Laia, Hosea Liliana, Ola Venina Limbong, Irene Nauli Loi, Melda Citra Batiniah Lumban Batu, Angel Natasya LUMBAN GAOL, MANATAP BERLIANA Lumban Gaol, Vebry Lumbantoruan, Friskayanti Malango, Sintia Manalu, Dasuster Manalu, Intan Mandasari, Yanita Manurung, Valentina Mendrofa, Tuberta Rosviani Meyken, Meyken Miranda, Elsa Nababan, Celvin Fransiskus Nainggolan, Desi Aminarti Nainggolan, Erni Yuli Sari Nainggolan, Ronauli Nainggolan, Yuni Kafrina Natalia, Novia Nauli Sinaga, Elisabet Sihol Ndruru, Laurensia Konstantia Panggabean, Solomon Slow Panjaitan, Rizky Alexander Pardosi, Ririn Wantika Pasaribu, Debora Enjelina Perangin Angin, Aldian Syahputra Permatasari, Lili Purba, Miranda Grace Yohana Purba, Monika Purba, Natalia Damayanti Purba, Vivi Putri, Lidya Cahya Putri, Synthia Eppata Rajagukguk, Eska H Roselina, Roselina Samosir, Windri Viola Anggriani Saragi, Kurnya Suparto Siagian, Rani Siahaan, Johan Putra Octavian Siallagan, E Hamonangan Siallagan, E. Hamonangan Sianipar, Gloria J M Sianturi, Eva Marlina Sigalingging, Gracella Sihaloho, Esra Sparia Sihaloho, Maria Sihombing, Juita Sihombing, Mariauli Sihotang, Dian Putri Sihotang, Iwan Saputra Sijabat, Adeline Ruth Silaen, Rut Agelita Yolanda Silalahi, Elly Dayanti Silalahi, Ignatius Valdo Silitonga, Cristin Erni Juliani Silitonga, Jesica KD Silitonga, Pirhot Christoper Simamomora, Febri Dayani Simamora, Depi Hardiati Simangunsong, James Simanjuntak, Christin Grace Simanjuntak, Evelyn Angelia Simanjuntak, Sri Damai Simanjuntak, Sri Ida Royani Simanullang, Hotnida Ronauli Simbolon, Wulan Simorangkir, Tevril Kerin Sinaga, Angel Febriyanti Sinaga, Averia Sinaga, Ester Novianti Sinaga, Natalia Sinaga, Stefie Fiorella Sinulingga, Yosi Delmy Ocha br Sinurat, Erna Anjelina Sinurat, Mangasa Sipahutar, Cinta Sipayung, Rizki Christian Sirait, Ezra Theresia I. S. Siregar, Triana Irawati Sitinjak, Santa Fransiska Sitohang, Rut Sahanaya Sitompul, Elisabeth Magdalena Sitompul, Ibrani Natasya Sitorus, Rosmawanti Sitorus, Tessalonika Bertuah Situmorang, Loisa Sormin, Restu Sunday Ade Sitorus Susana, Lusi Syeba Rajagukguk, Rahel Rut Tambunan, Tonggina Tampubolon, Helena Ronauli Tanjung, Ribka Chritiani Tanjung, Tiodora Tarigan, Almaura Andinna Br. Taringan, Rosani Telaumbanua, Tri Ananda Tesalonika, May Tobing, Ernida Lumban Tobing, Ferdinan Lumban Tobing, Khesia Arista Br Togatorop, Regina Tumanggor, Reisa Cotessa Br Turnip, Era Framita Waruwu, Rifan Putra Berkat Winda Anastasya Butar Butar Zebua, Rut Denada Zega, Helga Eliana Nitaya Zendrato, Nosta Junita Sari