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All Journal Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora Jembatan Hukum: Kajian Ilmu Hukum, Sosial dan Administrasi Negara
Shannia Angelia Rahardjo
Unknown Affiliation
Humanities Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring Shannia Angelia Rahardjo; Tarsisius Murwadji; Helza Nova Lita
Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara Vol. 2 No. 2 (2025): Juni : Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/jembatan.v2i2.1607

Abstract

Micro, Small and Medium Enterprises (MSMEs) play a significant role in the economy, but often face obstacles in accessing financing. Credit performance guarantee is one of the mechanisms to mitigate risks for financial institutions. Along with the development of financial technology, innovative credit scoring emerged as an alternative method of assessing the creditworthiness of MSMEs. This research aims to analyze the legal effectiveness of the application of MSME credit performance guarantees based on innovative credit scoring. This research uses a normative juridical method with qualitative juridical analysis to try to examine and analyze the problems studied. The application of innovative credit scoring in MSME credit performance guarantees has the potential to increase the legal effectiveness of guarantees through a more comprehensive and accurate risk assessment. However, its implementation requires regulatory clarity regarding scoring standards, personal data protection, and dispute resolution mechanisms. An adaptive and responsive legal framework to technological innovation is crucial to optimize the role of innovative credit scoring in strengthening the effectiveness of MSME credit performance guarantees and promoting financial inclusion.
Evolusi Normatif Peran Penanggung Jawab Proyek Kerjasama (PJPK) dalam Skema Kerjasama Pemerintah dan Badan Usaha (KPBU) : Rekonstruksi Hukum dalam Tata Kelola Penyelenggaraan Infrastruktur Berkelanjutan di Indonesia Shannia Angelia Rahardjo; Muhamad Farudin
Mandub : Jurnal Politik, Sosial, Hukum dan Humaniora Vol. 3 No. 1 (2025): Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/mandub.v3i1.2171

Abstract

Infrastructure development has become a national priority to drive economic growth, with the KPBU (Public-Private Partnership) scheme as a solution to budget limitations. The transformation of PJPK (Project Implementing Agency) law in the latest regulations, including the authority of the Rector of State Universities with Legal Entity (PTN BH) and restrictions on the Board of Directors of Regional-Owned Enterprises (BUMD), demonstrates the policy dynamics that influence the effectiveness of infrastructure management based on KPBU in Indonesia. This research uses a normative juridical method with legislative and conceptual approaches to analyze regulations and legal theories related to the role of PJPK in KPBU. This approach aims to provide a strong argumentative foundation and a comprehensive analysis of the legal aspects in the implementation of infrastructure based on KPBU. This article emphasizes that the regulatory reform of the PJPK role in KPBU aims to enhance efficiency, accountability, and legal certainty. With the latest regulations, the role of PJPK becomes clearer, accelerating sustainable infrastructure projects and creating a more conducive investment environment for the private sector.
Co-Authors Helza Nova Lita Muhamad Farudin Tarsisius Murwadji