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All Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Journal of Law, Poliitic and Humanities Eduvest - Journal of Universal Studies Kreativitas Pada Pengabdian Masyarakat (Krepa) Bhumiputra: Jurnal Penelitian dan Pengabdian Masyarakat Global Pandecta : Jurnal Penelitian Ilmu Hukum (Research Law Journal)
Yestati, Ariani
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Journal : INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE

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LEGAL STATUS OF PARENTAL AUTHORITY OVER UNDERAGE CHILDREN IN APPLYING FOR BANK CREDIT IN PALANGKA RAYA CITY Nurhaliza, Siti; Yestati, Ariani; Evi; Kristhy, Mutia Evi
International Journal of Cultural and Social Science Vol. 7 No. 1 (2026): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v7i1.1299

Abstract

This research examines the gap between normative legal provisions and banking practices regarding parental authority over minor children in loan applications. Legally, Article 47 of the Marriage Law and Article 345 of the Civil Code stipulate that living parents automatically have guardianship authority without requiring a court decision. However, in practice, banks still require the establishment of guardianship as an administrative requirement for applying for a loan secured by the child's parents' inheritance. The juridical empirical research method was applied in this study, thru interviews with judges from the Palangka Raya District Court and officials from Bank BRI, as well as a study of laws and regulations. The research results indicate a gap between the applicable law and banking practices. The judge ruled that appointing a guardian for the parents was actually unnecessary because that authority was already legally vested, while the bank applied the principle of prudence as stated in Article 29 paragraph (2) of Law Number 10 of 1998 concerning Banking, in order to avoid legal risks and disputes in the future. This research recommends the need for institutional cooperation between the courts and banking thru coordination forums or memoranda of understanding, in order to align legal perceptions regarding the limits of the natural guardianship authority of biological parents.
Co-Authors Agus Mulyawan, Agus Athaya, Mochammad Fabian Ayu Yolanda, Sintia Evi Girsang, Johannes guntur silam, achmad adi surya Iryani, Hera Ivans Januardy Joanita Jalianery Khistiany Yoessandy, Novarianty Kristanto, Kiki Kristanto, Natanael Kristhy, Mutia Evi Kristian, Kristian Lukas, Yuapri Lumbanraja, Aprilia Junika Marbun, Gracella Pane, Ronaldo Putri, Aprilia Rustianto, Maulana Yusuf Septian Noor, Rico Siti Nurhaliza Sitorus, Melati Karawangi