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All Journal JURNAL MAGISTER HUKUM UDAYANA Jurnal Akta International Journal of Law Reconstruction MLJ Jurnal Selat Justitia et Pax Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Nagari Law Review Syariah: Jurnal Hukum dan Pemikiran Jurnal Hukum Samudra Keadilan WAJAH HUKUM Legal Standing : Jurnal Ilmu Hukum Awang Long Law Review Kosmik Hukum Pagaruyuang Law Journal SIGn Jurnal Hukum Prosiding National Conference for Community Service Project Journal of Law and Policy Transformation SYARIATI : Jurnal Studi Al-Qur'an dan Hukum Jurnal Yustisiabel Eksekusi : Journal Of Law Jurist-Diction Legal Spirit Jurnal Supremasi Istinbath : Jurnal Hukum LEGAL BRIEF Journal of Judicial Review Jurnal Bedah Hukum Yustisia Tirtayasa: Jurnal Tugas Akhir Syiah Kuala Law Journal Indonesia Law Review (ILREV) Lex Publica Research Horizon Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Kanun: Jurnal Ilmu Hukum Lex Aeterna Law Journal SASI
Elza Syarief, Elza
Universitas International Batam
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Jurnal Akta

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The Scope of Legal Protection for Parties in Credit Agreements: A Judicial Review of Decision No. 46/Pdt.g/2022/PN Tpg Shenti Agustini; Yudhi Priyo Amboro; elza syarief
JURNAL AKTA Vol 13, No 1 (2026): March 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i1.50763

Abstract

Credit agreements between banks and debtors are generally made in the form of standard contracts that have accommodated the balance of rights and obligations as required by POJK on consumer protection. Ideally, both creditors and debtors receive equal legal protection. However, Judge’s Decision Number 46/Pdt.G/2022/PN TPG raises a dilemma because the court’s considerations focus only on protecting the debtor as a consumer, while neglecting the creditor’s legal certainty. This study aims to assess the extent to which the decision reflects legal ideals and to analyze the legal protection provided by the judge. Using a normative juridical method with statutory and literature approaches, this research refers to the Civil Code, the Consumer Protection Law, and relevant POJK regulations. The findings show that the decision does not fully embody justice, certainty, or utility, and fails to provide adequate internal or external protection for both parties. Therefore, the study recommends requiring the involvement of heirs in credit agreements and strengthening POJK provisions to ensure balanced legal protection.
Co-Authors Abdul Rachman Agung Prayogo Agustianto Agustianto, Agustianto Agustina Fitrianingrum Agustini, Shenti Ahmad, Faradina Binti Alberta Adeline Marvel Alex Firdaus Simaremare Alvita Novanilia Andry Ochtora Butarbutar Anweidri Chai Aprillia Crystina Arifin, Inal Arika, Defi Asmin Patros Attika Balqist Azis Kasim Djou Azlyn, Nurul B. F. Sihombing Balqist, Attika Bicar Franki Leonardo Manurung Chuandra, Utha Crystina, Aprillia Dachi, Janvencius Valerius Nifowa'azaro Deddy Eka Saputra Defi Arika Djou, Azis Kasim Edward Banner Purba Elvin Valentino Fahmi Ari Yoga Febriyani, Emiliya Fitri, Winda FL. Yudhi Priyo Amboro, FL. Yudhi Priyo Guswandi, Cynthia Putri Haji Syukur Lehidonu Hariyanto, Jerry Ibnu Kholdun Indra Hengky Indra Hengky Iswara, Vizta Dana Jana Mila Jason, Ferdinand Jaya, Febri Jefri Kurniawan Jendris Sihombing Jesen Winardo Junaidi Junaidi Karo Karo, Rizky Pratama Kellie Leslie Kendry Tan Kholdun, Ibnu Lehidonu, Haji Syukur Lu Sudirman Lu Sudirman Lu Sudirman Mila, Jana Muhammad Ishak Mukhtirili Mukhtirili Naomi Hani Romauli Simanungkalit Nellsen Purwandi Nur Laily NURLAILY, NURLAILY Puspita, Viona Putra, Aldo Ernandi Rahmadini, Verny Raja Syaiful Anwar Raymond Raymond Rediston Sirait Rina S. Shahrullah Rina S. Shahrullah Rina Shahriyani Shahrullah Risky Hadi Putra Romadona, Hanifah Ghafila Rusdiana, Shelvi S Shahrullah, Rina Selviana, Devi Shahriyani Syahrullah, Rina Siburian, Hasoloan Silvia Yolanda Octavia Silviani, Ninne Zahara Situmeang, Ampuan Sudisno Sudisno Sugiyarto Sugiyarto Sylvana Agnetha Wulan Widyastuty Tan, David Tan, Winsherly Tedy Surya Triana Dewi Seroja Triana Dewi Seroja Uji Febianika Utami, Miming Utha Chuandra Vicky Septia Rezki Wagiman Wagiman Widarto, Muhammad Willson Willson Wulan Purnamasari Yan Pin Ziko Riandi