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All Journal JURNAL MAGISTER HUKUM UDAYANA Masalah-Masalah Hukum Jurnal Pendidikan Kewarganegaraan Undiksha Lentera Hukum Jurnal Komunikasi Hukum Nurani: Jurnal Kajian Syariah dan Masyarakat Jurnal Hukum Novelty PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) JURISDICTIE Jurnal Hukum dan Syariah Pembaharuan Hukum Jurnal Akta International Journal of Law Reconstruction Journal of Indonesian Legal Studies Jurnal Selat Morality :Jurnal Ilmu Hukum Widya Yuridika WAJAH HUKUM Legal Standing : Jurnal Ilmu Hukum Unes Law Review Jambura Law Review Jurnal Restorative Justice Al-Adalah: Jurnal Hukum dan Politik Islam JUSTISI ADIL : Jurnal Hukum SIGn Jurnal Hukum Journal of Law and Policy Transformation JURNAL PEMBANGUNAN HUKUM INDONESIA Jurnal Yustisiabel Eksekusi : Journal Of Law Legal Spirit ARBITER: Jurnal Ilmiah Magister Hukum Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam LEGAL BRIEF Jurnal Komunitas Yustisia Journal of Judicial Review Batulis Civil Law Review Jurnal Bedah Hukum PAMALI: Pattimura Magister Law Review Audi Et AP : Jurnal Penelitian Hukum Jurnal Legisia Legal Protection for the Partnership Agreement Parties Jurnal Hukum dan Pembangunan Nomos : Jurnal Penelitian Ilmu Hukum Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah SASI Abdurrauf Journal of Community Service Lex Scientia Law Review
Lu Sudirman
Universitas Internasional Batam
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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Journal : SIGn Jurnal Hukum

 1 
Legal Protection for Banking Institutions in Small and Medium Enterprise Credit Agreements Sirait, Regina Ulianna; Sudirman, Lu; Disemadi, Hari Sutra
SIGn Jurnal Hukum Vol 6 No 2: Oktober 2024 - Maret 2025
Publisher : CV. Social Politic Genius (SIGn)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37276/sjh.v6i2.408

Abstract

Legal protection for banking institutions in Small and Medium Enterprise (SME) Credit Agreements is a fundamental issue in maintaining the financial system’s stability and promoting economic growth. This research analyzes the legal framework and legal certainty of protection for banks in SME Credit Agreements in Indonesia. This normative legal research uses a statute approach, with primary data sources in the form of relevant legislation and secondary data sources in business law literature. The results show that the juridical basis of protection for banks consists of preventive regulations (prudential principles, credit agreements, collateral, FSA supervision) and repressive regulations (credit restructuring, collateral execution, dispute resolution). Although this legal framework is comprehensive, its implementation faces significant challenges, such as inconsistent law enforcement, legal loopholes in collateral regulations, and the complexity of the judicial process. To improve legal certainty, regulatory reform, capacity building of law enforcement officials, information technology adoption, and supervision strengthening are recommended. Thus, this research contributes to strengthening legal protection for banking institutions, which will support the creation of a healthy and sustainable credit ecosystem for SMEs.
Co-Authors ., Jane Abao, Grace Angela Adristy, Baiq Shefania Agustianto Agustianto Agustianto, Agustianto Agustini, Shenti Ahmad, Faradina Alhakim, Abdurrakhman Amboro, F. Yudhi Priyo Amboro, Florianus Yudhi Priyo Antony, Antony Ayunda, Rahmi Bago, Ester Intensis Bayu Anggara, Sultan Celline, Celline Chairunnisa Chairunnisa David Tan Dhani, Ayen Sephia Disemadi, Hari Sutra Elza Syarief, Elza Eny, Eny Farahdina, Farahdina Febriyani, Emiliya Ferryanto, Justitia Fiorentine, Jasisca Fitri, Winda Girsang, Junimart Guswandi, Cynthia Putri Haris, Muhammad Tan Abdul Rahman Haryati, Lily Henry Soelistyo Budi, Henry Soelistyo Heru Susetyo Hutahuruk, Rufinus Hutauruk, Rufinus Hotmaulana Insti, Putri Deviana Irawati, Jovita Iswara, Vizta Dana Jaya, Febri Jerryen, Jerryen Jonkarlo, Edson Jonker Sihombing Julvina, Julvina Jur. M. Udin Silalahi Karim, Justin Joy Lee, Michelle Lendrawati Lendrawati, Lendrawati Lie, Cindy Maharani Siregar, Ghea Regita Malau, Hotmaulina Manurung, Kevin John Paul Manurung, Shenti Agustini Mrs. Feronica Naga Wijaya, Hendry Nurfitri, Nisa Nurlaily NURLAILY, NURLAILY Oktavia, Ariani Park, Jihyun Prastiyo, La Ode Agung Priyo Amboro, Florianus Yudhi Rina Shahriyani Shahrullah Ritonga, Moehammad Mahastar Romadona, Hanifah Ghafila Sahputra, Rendi Santoso, Deddy saputra tanwir, yopta eka Saputra, Dedi Eka Sari, Rayon Seroja, Triana Dewi Seroja, Triana Dwi Setiawan, Marthalia Siahaan, Hervyan Siburian, Hasoloan Silviani, Ninne Zahara Sirait, Regina Ulianna Siregar, Zulhirdan Situmeang, Ampuan Sohheng, Nipon Sulastri Sulastri Syrief, Elza Tan, David Tan, Winsherly Tobing, Dian Riama L Tobing, Joel Jordan Tony Tony Trisetyo, Muhammad Dhimas Wagiman, Wagiman Warianto, Wahyudi Windi Afdal, Windi Zulfi, Natasya Artameivia