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All Journal Dalihan Na Tolu : Jurnal Hukum, Politik dan Komunikasi Indonesia Jurnal Restorasi: Hukum dan Politik
Fahrizal S.Siagian
Faculty of Law, Universitas Sumatera Utara
Law, Crime, Criminology & Criminal Justice Other

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Legal Liability of Heirs for Debtor's Current Account (KRK) Credit Obligations after Death Muhammad Khairul Imam; Fahrizal S.Siagian
Jurnal Restorasi : Hukum dan Politik Vol. 4 No. 01 (2026): Jurnal Restorasi : Hukum dan Politik, 2026
Publisher : Jurnal Restorasi : Hukum dan Politik

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Abstract

A Current Account Credit Facility (KRK) is a flexible form of bank credit that can be used repeatedly according to the debtor's needs within the agreed credit limit. However, legal issues arise when the debtor dies before their debt obligations are settled, raising questions about the extent to which the heirs can be held liable for the debt. This study aims to analyse the legal responsibility of heirs for the debtor's KRK debt obligations after death and the limits of liability that can be imposed on heirs based on inheritance law and contract law provisions. The research method used is legal research with a regulatory and conceptual approach, through analysis of the legal norms governing inheritance, obligations, and banking credit agreements. The results of the study show that, in principle, the debtor's debt obligations are not extinguished by death but are transferred to the estate, which can be claimed by creditors. Heirs are basically only liable to the extent of the value of the inheritance they receive, so that liability is not absolutely attached to the person of the heir. However, in banking practice, there is often an imbalance in legal positions due to credit agreement clauses that extend the burden on heirs, thereby potentially giving rise to disputes. Therefore, it is necessary to affirm the limits of the heirs' liability proportionally in order to ensure legal certainty and protection for the heirs without eliminating the bank's rights as a creditor in collecting the debtor's debt obligations.
Building Legal Awareness among Indonesian Adolescents in accordance with Law No. 1 of 2023 on the Criminal Code: A Study by the Islamic Centre Foundation Saidin Saidin; Mahmud Mulyadi; Abdul Aziz Alsa; Rosmalinda Rosmalinda; Fahrizal S.Siagian; Liza Hafidzah Yusuf
Dalihan Na Tolu: Jurnal Hukum, Politik dan Komunikasi Indonesia Vol. 4 No. 02 (2026): Dalihan Na Tolu: Jurnal Hukum, Politik dan Komunikasi Indonesia
Publisher : SEAN Institute

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The enactment of Law No. 1 of 2023 on the Indonesian Criminal Code (KUHP) introduces significant reforms to Indonesia’s criminal justice system, making legal literacy among adolescents increasingly important to ensure compliance with the law and responsible citizenship. Adolescents represent a strategic group for legal education because they are at a developmental stage where social interaction, digital engagement, and decision-making may expose them to potential legal risks. This study aims to analyze the role of the Islamic Centre Foundation in building legal awareness among Indonesian adolescents in accordance with Law No. 1 of 2023. The research employs an empirical legal approach using qualitative methods through observations, interviews, and document analysis involving foundation administrators, legal educators, and adolescent participants. The findings indicate that legal awareness programs implemented by the Foundation including legal education seminars, interactive discussions, character development activities, and community outreach have improved participants’ understanding of fundamental criminal law provisions, strengthened awareness of legal rights and obligations, and encouraged law-abiding behavior. Nevertheless, challenges remain, including limited legal literacy, inconsistent participation, and the need for more innovative educational approaches utilizing digital platforms. The study concludes that community-based legal education conducted by civil society organizations plays a significant role in promoting legal awareness among adolescents and supports the effective implementation of Law No. 1 of 2023 while fostering a culture of legal compliance and responsible citizenship in Indonesia.
Co-Authors Abdul Aziz Alsa Liza Hafidzah Yusuf Mahmud Mulyadi Muhammad Khairul Imam Rosmalinda Rosmalinda Saidin Saidin