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All Journal Unes Law Review International Journal of Law Social Sciences and Management
Budi Siswani, Carina
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Decision Sciences, Operations Research & Management Education Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences

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Restrukturisasi Kredit Sebagai Upaya Perlindungan Bagi Kreditur dan Debitur dalam Upaya Penyelesaian Kredit Bermasalah Kalvin Miosido, Marthinus; Budi Siswani, Carina
UNES Law Review Vol. 7 No. 2 (2024)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v7i2.2372

Abstract

Restrukturisasi kredit merupakan mekanisme penting dalam dunia perbankan yang dirancang untuk melindungi kepentingan kreditur dan debitur dalam menghadapi kesulitan finansial. Proses ini melibatkan penyesuaian syarat-syarat kredit, seperti penurunan suku bunga, perpanjangan jangka waktu pembayaran, hingga pengurangan pokok utang. Regulasi yang ditetapkan oleh Otoritas Jasa Keuangan (OJK) dan Bank Indonesia memberikan landasan hukum yang kuat untuk memastikan pelaksanaan restrukturisasi secara adil dan transparan. Perlindungan bagi kreditur mencakup pengurangan risiko kerugian dan pemeliharaan kualitas aset, sementara debitur mendapatkan keringanan beban keuangan dan kesempatan untuk melanjutkan usaha. Meskipun terdapat risiko seperti potensi gagal bayar dan konsekuensi hukum, restrukturisasi tetap menjadi solusi efektif dalam menjaga stabilitas sektor keuangan, terutama jika didukung dengan pengawasan ketat, mediasi yang adil, dan evaluasi yang berkelanjutan.
RECONSTRUCTION OF LEGAL PROTECTION FOR TEACHERS IN CONDUCTING EDUCATION IN INDONESIA Budi Siswani, Carina
International Journal of Law Social Sciences and Management Vol. 1 No. 1 (2024): International Journal of Law Social Sciences and Management
Publisher : Yayasan Meira Visi Persada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69726/ijlssm.v1i1.14

Abstract

This research aims to analyze and reconstruct the legal protection for teachers in conducting education in Indonesia. The dynamic changes in the education system pose new challenges and complexities that affect the roles of teachers in shaping the future generation. The research findings indicate that despite the existence of several laws regulating legal protection for teachers, their implementation still faces constraints and obstacles. Therefore, a reconstruction within the legal framework is needed to ensure more effective and comprehensive protection for teachers. This reconstruction involves refining legislation, enhancing law enforcement mechanisms, and strengthening the roles of relevant institutions. Additionally, the research highlights the importance of showing greater appreciation for the role of teachers in educating and shaping the character of students. Thus, the reconstruction of legal protection for teachers is not only an effort to safeguard their rights but also a recognition of their contributions to creating a quality society through education.
Co-Authors Kalvin Miosido, Marthinus