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Private Law
Published by Universitas Mataram
ISSN : -     EISSN : 16159857     DOI : https://doi.org/10.29303/prlw.v2i2
Core Subject : Humanities, Social,
Humanities Law, Crime, Criminology & Criminal Justice Social Sciences
Jurnal Private Law merupakan Jurnal Fakultas Hukum Universitas Mataram yang pertama kali terbit di tahun 2021. Private Law menerbitkan artikel dari jurnal Mahasiswa S1 khususnya bidang Hukum Perdata. diharapkan kedepannya private law dapat ikut meningkatkan kualitas jurnal ke arah nasional maupun internasional dengan menerima tulisan dari penulis luar lainnya.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 551 Documents
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Legal Certainty And Integrity Of Bank Asset Quality Assessment: A Critical Review Of Collateral Appraiser Independence Fauzan Ananda; Wahyu Mahendra
Private Law Vol 6 No 2 (2026): Private Law Universitas Mataram
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/1vtxff77

Abstract

This study aims to examine the implementation of collateral appraiser independence and the integrity of bank asset quality assessment as regulated under POJK No. 40/POJK.03/2019, as well as to analyze its consistency with the principles of equality, proportionality, legal certainty, non-discrimination, and professional protection. In addition, this study examines potential legal uncertainty and practical implications arising from differences in the regulation of internal bank appraisers and independent appraisers, particularly in collateral valuation below and above the threshold of Rp10 billion. This research employs a normative legal research method (doctrinal legal research) by focusing on the analysis of legislation and legal doctrines related to collateral valuation and the integrity of bank asset quality assessment. The findings show that POJK No. 40/POJK.03/2019 provides a legal framework that emphasizes the importance of independent valuation for high-value collateral exceeding Rp10 billion. However, the difference in authority between internal bank appraisers and independent appraisers still creates legal uncertainty, particularly regarding the application of valuation standards, verification procedures, and the determination of collateral value thresholds. This condition may lead to valuation bias, inconsistency in asset quality, and challenges in complying with professional appraisal standards. Therefore, regulatory harmonization is needed through more detailed guidelines concerning the authority, responsibilities, independence requirements, verification mechanisms, and periodic evaluation of the collateral value threshold.

Page 56 of 56 | Total Record : 551

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