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All Journal JURNAL MAGISTER HUKUM UDAYANA 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 : 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 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 Puspita, Viona Putra, Aldo Ernandi 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