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All Journal Journal on Education JURNAL LENTERA BISNIS Community Engagement and Emergence Journal (CEEJ) Jurnal Penkomi : Kajian Pendidikan dan Ekonomi Jurnal Pengabdian Masyarakat Bangsa
Christnova Hasugian
Universitas HKBP Nommensen
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences

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Analisis Pelaksanaan Batas Maksimum Pemberian Kredit (BMPK) dan Implikasinya terhadap Kesehatan Bank: Tinjauan Literatur Esra Sparia Sihaloho; Rahel Rut Syeba Rajagukguk; Ester Novianti Sinaga; Angel Febriyanti Sinaga; Hamonangan Siallagan; Christnova Hasugian
Journal on Education Vol. 7 No. 2 (2025): Journal on Education: Volume 7 Nomor 2 Tahun 2025 In Progress (Januari-Februari
Publisher : Mathematics Education Study Program

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i2.8334

Abstract

This study aims to analyze the implementation of the Legal Lending Limit (LLL) in the banking sector and its implications for bank health. Legal Lending Limit (LLL) is a regulation set by Bank Indonesia and the Financial Services Authority to control concentration risk in lending, which aims to maintain financial system stability and public confidence in banks. Through the literature study method, this research identifies various challenges in the implementation of Legal Lending Limit (LLL), including the impact of economic fluctuations and the need for wider access to financing. The results show that while Legal Lending Limit (LLL) serves as a risk control tool, its implementation requires a deep understanding from banks and financial institutions to achieve a balance between risk control and credit provision. The study recommends improved education and training for relevant parties as well as the development of more responsive policies from banking authorities. The findings are expected to provide insights for the development of healthier and more sustainable banking practices.
Co-Authors Aldian Syahputra Perangin-angin Angel Febriyanti Sinaga Berbi Canca Sitompul Daniel Purba E. Hamonangan Siallagan Elsa Elsita Khoerunisa Esra Sparia Sihaloho Ester Novianti Sinaga Frandy Swito Sitorus Gracelli Panjaitan Hamonangan Siallagan Hamonangan Siallagan Hanna Meilani Damanik Hendrik E.S Samosir Hendrik ES Samosir Herti Diana Hutapea Hesti Sitanggang Irma Manik Jesica Septiana Sidabutar Juan Exsaudia Sihombing Lisna Damanik Mangasa Sinurat Martin Luter Purba Meliana Manurung Melsy Nathania Daeli Naomi Hutajulu Nathalina Simanjuntak Noviditha Sembiring Opsinar AT Aritonang Pita Artauli Sitorus Rahel Rut Syeba Rajagukguk Rahel Wina Sinaga Rimbun C.D Sidabutar Royen P Munthe Rukiah Natasya Sihite Sahat Martupa Siahaan Samuel Panjaitan Sri Ida Royani Simanjuntak Theresia Gultom Tiur Sitanggang Vebri M Lumbangaol Yosep Lumbangaol Yuni Y Simanullang Zefanya Putri Sianipar