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All Journal Journal of Social Research Edunity: Kajian Ilmu Sosial dan Pendidikan Journal of Social Science
Ni Ketut Wiratny
Universitas Mahendradatta, Indonesia
Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Journal : journal of social science

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Resolution Of Non-Performing Loans For Kur Guaranteed By Pt. Jamkrindo Denpasar Branch Dwi Pranoto; Ni Ketut Wiratny; I Made Mulyawan Subawa
Journal Of Social Science (JoSS) Vol 4 No 9 (2025): JOSS: Journal of Social Science
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/joss.v4i9.491

Abstract

Kredit Usaha Rakyat (KUR) is one of the government’s programs aimed at empowering Micro, Small, and Medium Enterprises (MSMEs) through the provision of interest subsidies to KUR channeling institutions and guarantee fees to guarantee institutions. One of the institutions that provides guarantees for KUR is PT Jaminan Kredit Indonesia (Jamkrindo). As a guarantor, PT Jamkrindo plays a crucial role in ensuring the sustainability of the KUR program, particularly by facilitating financing for MSMEs that are feasible but not bankable—those that are commercially viable but unable to meet conventional lending requirements such as collateral. However, in practice, many KUR loans face repayment issues and fall into the category of Non-Performing Loans (NPLs). This study aims to analyze the KUR guarantee mechanism and the settlement of NPLs by PT Jamkrindo Denpasar Branch Office. The research employs a normative legal method with a statutory and legal theory approach. The findings indicate that PT Jamkrindo applies an indirect guarantee scheme based on Conditional Automatic Cover (CAC). Nevertheless, the mechanism for subrogation or transfer of claim rights after claim payment lacks strict sanctions for KUR channeling institutions that fail to transfer these rights to Jamkrindo. This regulatory gap may result in financial losses for PT Jamkrindo and create an additional fiscal burden for the state.
Effectiveness Of Civil Judgment Execution In The Semarapura District Court A.A. Sagung Yuni Wulantrisna; Ni Ketut Wiratny; Erikson Sihotang
Journal Of Social Science (JoSS) Vol 4 No 9 (2025): JOSS: Journal of Social Science
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/joss.v4i9.492

Abstract

The execution of civil court decisions is a decisive stage in the enforcement of justice and serves as a test of the effectiveness of the judicial system. This study aims to analyze the effectiveness of the execution of civil judgments at the Semarapura District Court using an empirical juridical approach. The results show that although the legal basis and execution procedures are clearly regulated, their implementation in practice still faces various obstacles. Data from 2022–2024 indicate that only a portion of execution requests are successfully implemented, while the rest fail or are withdrawn due to structural, substantial, and cultural barriers. Key challenges include the limited number of bailiffs, insufficient supporting facilities, unclear court orders, changes in the status of disputed objects, and strong community resistance rooted in local customs and kinship values. The Semarapura District Court has made several efforts, such as increasing coordination with security forces, involving community leaders, providing bailiff training, and digitizing administration. Ultimately, the effectiveness of execution depends on the synergy between legal substance, institutional structure, legal culture, supporting facilities, and the level of legal awareness in society. Multi-stakeholder collaboration is needed to ensure that law enforcement through civil execution is effective, fair, and socially harmonious.
Co-Authors A.A. Sagung Yuni Wulantrisna Ayus Fajar Asrofi Dwi Pranoto Erikson Sihotang I Gusti Agung Wisnu Murti I Made Mudasna I Made Mulyawan Subawa I Nyoman Suandika Indah Mira Tiaraputri Wijaya Juliyanti Tjua Komang Edy Dharma Saputra Nancy Gunawan Olivia Julita Olivia Pusparini Ronald Suryaprawira Rudy Adiputra