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All Journal Jurnal Hukum Lex Generalis
Rafliyansyah
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Law, Crime, Criminology & Criminal Justice

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Analisis Hukum Perjanjian Kredit di Bank Konvensional dalam Perspektif Perlindungan Rafliyansyah; Rasji
Jurnal Hukum Lex Generalis Vol 6 No 4 (2025): Tema Hukum Perdata dan Kenotariatan
Publisher : CV Rewang Rencang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v6i4.1182

Abstract

Credit agreements in conventional banks play an important role in supporting economic development, but they pose challenges for legal protection for debtors due to the imbalance of rights and obligations in standard agreements. A juridical analysis of banking regulations and practices shows that although the principle of prudence and POJK No. 42/POJK.03/2017 have been implemented, the resolution of defaults still often occurs through litigation, which is less effective and does not optimally protect debtors. This research concludes the need for regulatory updates and non-litigation dispute resolution mechanisms to strengthen debtor legal protection.
Co-Authors Rasji