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All Journal Jurnal Bakti Saraswati Ngayah: Majalah Aplikasi IPTEKS Sociological Jurisprudence Journal Aktual Justice Jurnal Hukum Saraswati International Journal of Applied Science and Sustainable Development (IJASSD) JUMAHA Contrarius Series: Law & Social Justice
I Gusti Ngurah Anom
Dosen Fakultas Hukum Universitas Mahasaraswati Denpasar
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Reconstruction of Standard Agreement Ethics in Bank Credit Agreements: Integration of Human Rights and Local Wisdom of Bali I Gusti Ngurah Anom; I Gusti Bagus Hengki
Contrarius Series: Law & Social Justice Vol. 1 No. 1 (2026): Contrarius Series: Law & Social Justice
Publisher : Lembaga Contrarius Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53955/cslsj.v1i1.38

Abstract

Standard agreements in the banking world often create an imbalance in the position between banks and customers, thereby potentially ignoring the values of justice and humanity. This research aims to analyze the application of standard agreements in bank credit agreements from a Human Rights (HAM) perspective, a s well as offering a reconstruction of the ethics of standard agreements by integrating local Balinese wisdom values. The method used is a juridical-normative approach with a conceptual and reflective character. The results of the study show that standard agreement practices that are too rigid can lead to violations of hu man rights principles, especially the right to equality and justice in contracts. Balinese local wisdom value s such as Tri Hita Karana, Tat Twam Asi, Segilik- Seguluk, and Paras-Paros Sarpanaya can be the basis for reconstructing banking ethics that are humanist, inclusive, and socially just.
Co-Authors I Gusti Ayu Suarniati I Gusti Bagus Hengki I Ketut Widnyana I Made Budiartana I Made Kariyasa I Putu Eddy Arnwan I Wayan Eka Artajaya Ida Bagus Indra Brahmana Made Emy Andayani Citra Ni Wayan Ekayanti Putu Eka Pasmidi Ariati