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All Journal Indonesian Journal of Law and Economics Review
Sri Budi Purwaningsih
Program Studi Ilmu Hukum, Universitas Muhammadiyah Sidoarjo
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Joint Sale Scheme for Credit Settlement After POJK 48: Skema Penjualan Bersama untuk Pelunasan Kredit Pasca POJK 48 Mohammad Wildan Habibi; Sri Budi Purwaningsih
Indonesian Journal of Law and Economics Review Vol. 21 No. 1 (2026): February
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v21i1.1531

Abstract

General Background Credit settlement plays a crucial role in maintaining financial system stability, especially when non-performing loans increase during economic disruptions. Specific Background Following the COVID-19 pandemic, banks implemented restructuring policies under POJK No. 48 of 2020, including alternative settlement mechanisms such as the Joint Sale and Purchase scheme at Bank X. Knowledge Gap However, limited studies examine the legal status and practical implementation of this scheme in post-restructuring credit settlement. Aims This study aims to analyze the special policy of Joint Sale and Purchase and its legal consequences for debtors in resolving non-performing loans at Bank X. Results The findings show that the scheme allows debtors to sell collateral independently within a specified period, ensuring optimal asset value while maintaining creditor rights, and if unsuccessful, the bank proceeds with auction or cessie mechanisms. Novelty This study highlights the structured integration of restructuring policies with non-litigation credit settlement through a collaborative asset disposal mechanism. Implications The results suggest that this scheme provides a practical legal framework for balancing debtor flexibility and creditor protection in post-pandemic credit management. Keywords: Credit Settlement, Joint Sale Scheme, Bank Policy, Non Performing Loan, POJK 48 Key Findings Highlights Debtors are given a limited period to dispose collateral independently Settlement prioritizes principal repayment before other obligations Follow-up actions include auction or cessie after deadline
Personal Data Protection in Banking Cybersecurity Breach Cases: Perlindungan Data Pribadi dalam Kasus Pelanggaran Keamanan Siber di Sektor Perbankan Angelina Septiani Zaroh; Sri Budi Purwaningsih
Indonesian Journal of Law and Economics Review Vol. 21 No. 1 (2026): February
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v21i1.1533

Abstract

General Background The rapid digitalization of banking services has increased the risk of cyber threats and unauthorized access to personal data. Specific Background Several cases of data breaches in Indonesian banking institutions highlight vulnerabilities in safeguarding customer information and raise concerns regarding legal protection mechanisms. Knowledge Gap However, limited studies analyze the legal responsibility of banks and the adequacy of personal data protection regulations in addressing such breaches. Aims This study aims to examine the legal framework governing personal data protection and analyze the accountability of banking institutions in cases of data breaches. Results The findings indicate that although regulations such as the Personal Data Protection Law provide a legal basis, challenges remain in enforcement and implementation, particularly in ensuring accountability and compensation for affected customers. Novelty This study emphasizes the relationship between cybersecurity incidents and legal liability within the Indonesian banking sector. Implications The results suggest the need for stronger regulatory enforcement and improved institutional compliance to ensure better protection of customer data in digital banking environments. Keywords: Personal Data, Banking Security, Cybercrime, Legal Protection, Data Breach Key Findings Highlights Cyber incidents reveal weaknesses in institutional safeguards Regulatory provisions exist but enforcement remains limited Customer rights require stronger legal assurance
Courier Legal Relations and Delivery Performance in Shopee Logistics: Hubungan Hukum Kurir dan Kinerja Pengiriman di Shopee Logistics Bima Dwi Yoga Kresnanda; Sri Budi Purwaningsih
Indonesian Journal of Law and Economics Review Vol. 21 No. 1 (2026): February
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v21i1.1534

Abstract

General Background The rapid growth of e-commerce has increased the importance of logistics services in ensuring efficient product delivery. Specific Background Shopee Express operates as a delivery service that connects sellers and consumers, where courier performance plays a crucial role in achieving delivery targets. Knowledge Gap However, limited studies examine the legal relationship between couriers and warehouse management, particularly regarding delivery performance and transparency in package handover processes. Aims This study aims to analyze the legal relationship between couriers and the Sidoarjo 2 Hub warehouse and its relation to delivery achievement. Results The findings indicate that the legal relationship is governed through a vendor partnership agreement that regulates rights and obligations, where courier discipline affects delivery speed and accuracy, while lack of transparency in package handover may lead to operational risks. Novelty This study highlights the role of transparency in package distribution alongside contractual legal relationships in logistics operations. Implications The results suggest the need for improved operational procedures and clearer legal arrangements to ensure accountability and reduce delivery-related disputes. Keywords: Courier, Legal Relationship, Delivery Performance, E-commerce Logistics, Partnership Agreement Key Findings Highlights Contractual arrangements define operational responsibilities Work discipline shapes service consistency in distribution Package handling procedures reveal operational vulnerabilities
Co-Authors Angelina Septiani Zaroh Bima Dwi Yoga Kresnanda Mohammad Wildan Habibi