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September 5, 2025Journal of Social Science (JoSS)Open Access

Resolution Of Non-Performing Loans For Kur Guaranteed By Pt. Jamkrindo Denpasar Branch

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Authors

DPDwi PranotoNWNi Ketut WiratnyISI Made Mulyawan Subawa

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Overview

Normative legal analysis investigates the guarantee mechanism and settlement of NPLs for KUR loans, indicating gaps in regulations.

Key Points

  • The study reveals that PT Jamkrindo employs an indirect guarantee scheme based on Conditional Automatic Cover.
  • Findings show regulatory gaps in the subrogation process for KUR loans, risking financial losses for PT Jamkrindo.
  • KUR aims to support micro, small and medium enterprises but faces issues with non-performing loans primarily due to collateral requirements.
  • The research highlights the need for stricter sanctions against institutions failing to transfer claim rights, which affects the KUR program's sustainability.

Cite This Study

Pranoto et al. (2025) studied this question.

synapsesocial.com/papers/68c23a2cb210217d6477fccfhttps://doi.org/10.57185/joss.v4i9.491
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Also Consider

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