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Tan, David
Batam International University
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Journal : LEGAL BRIEF

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Utilization of Technological Innovation in the Transfer of Receivables through Cessie for the Resolution of Non-Performing Loans Selviana, Devi; Tan, David; Syarief, Elza
LEGAL BRIEF Vol. 14 No. 3 (2025): August: Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/legal.v14i3.1376

Abstract

This study explores the potential use of technological innovation in the transfer of receivables through cessie as a solution to the rising issue of non-performing loans in Indonesia’s financial sector. The research employs a normative juridical method, without quantitative data, relying entirely on legal literature and doctrinal analysis. Using statutory and case approaches, it analyzes the legal framework and case examples relevant to digital receivables transfer. The study specifically aims to examine (1) how fintech and blockchain contribute to the efficiency and transparency of cessie transactions, (2) how Indonesian regulations adapt to digital cessie mechanisms, and (3) the legal obstacles in implementing these technologies. The findings reveal that fintech enables faster, more accessible receivables trading, while blockchain provides secure, verifiable transaction records. However, implementation faces significant regulatory challenges, such as the absence of explicit legal recognition for electronic contracts and a lack of standardized digital procedures for debtor notification, as required by Article 613 of the Indonesian Civil Code. The study recommends regulatory reforms to legally recognize smart contracts and formalize digital notification procedures. Improving digital infrastructure and ensuring legal certainty will be essential to support the broader integration of digital cessie practices into Indonesia’s financial legal system
Co-Authors ., Jane Afriyadi Afriyadi Agus Susanto Agustianto Agustianto, Agustianto Agustin, Indri Ceria Agustini, Shenti Aini Feriska Sumandya Alhakim, Abdurrakhman Angel, Vanessa Billy Marbiyanov Bodhi, Surya Chutia, Upankar Debby Amellya Zahdjuki Delia, Della Della Aprianingrum Dian Sari, Eva Disemadi, Hari Sutra Dwinta Sugandi Edison Edison Elza Syarief, Elza Febriyani, Emiliya Ferdinand Jason Fiorentine, Jasisca Fitri, Winda Gia Phuc, Dao Girsang, Junimart Hieu, Le Ho Trung Hutauruk, Rufinus Hotmaulana Illya Firna Febriyanti Irvanaries Irvanaries Jason, Ferdinand Jaya, Febri Jayanto, Wen Joseline, Joseline Kang, Cindy Kelvin Kelvin Lau, Jonathan Lu Sudirman Lu Sudirman Meliana Meliana Metta - Tjia Michelle Alice Stania Muhammad Naufal Fitrah Nadia Salsabilla Mareta Modjo Nanda Jala Sena Neisdy Lee Nellcy Desvia Nur Fatihah Nur Laily Nur Laily Nurlaily Nurviani, Nanny Octa Villa Oryza Sativa MY Pambayun, Cindy Fatika Dewi Prakasa, Satria Unggul Wicaksana Quentin, Pinsolle-Dubourg Rahmadani, Aini Ricky Sandi Permana Roy Mangitua Manurung Rusdiana, Shelvi Sari Wahyuni, Lily Sudhartio, Selviana, Devi Shane Edwin Shendy Devendra Armaya Silviani, Ninne Zahara Silvy Pricilia Fernanda Siti Aisyah Rukmana Situmeang, Ampuan Sovia Sovia Sovina Sovina Surya Bodhi Sylvia Putri Sylvia Putri Tan, Winsherly Tania, Stephanie Taniady, Vicko Tantimin Tantimin Tantimin Tantimin Tantimin, Tantimin Triana Dewi Seroja Viona Puspita Wibowo, Tony Windi Afdal, Windi Wulandari, Aura Yenny Permata Liegestu Yoma Arda Wiratama Zulhairi Zulhairi Zulhairi, Zulhairi