Legal Analysis of Violations of the Prudential Principle in Credit Granting (Case Study of the Maybank Indonesia Tbk Cilegon Branch)
Keywords:
Juridical Analysis, Non-Performing Loans, Banking Law, Prudential PrincipleAbstract
This study aims to conduct a juridical analysis of the practice of granting non-performing loans at Bank Maybank Indonesia Tbk, Cilegon Branch, which is not fully in accordance with the provisions of national banking law. The phenomenon of non-performing loans constitutes one of the indicators of the weak implementation of the prudential banking principle as regulated in Law Number 10 of 1998 concerning Banking and Financial Services Authority (OJK) Regulation Number 11/POJK.03/2020 concerning Risk Management for Commercial Banks. This research employs a normative juridical method using a statutory approach and a case approach. The results of the study indicate that the credit granting process does not fully comply with the principles of banking law, particularly in assessing debtor eligibility and supervising the use of loan funds. Such non-compliance gives rise to significant legal and financial risks for the bank and reflects weaknesses in internal supervision. Therefore, the implementation of the prudential principle needs to be strengthened through improving the quality of human resources, effective internal supervision, and the enforcement of legal sanctions against procedural violations in credit granting.
Keywords: Juridical Analysis, Non-Performing Loans, Banking Law, Prudential Principle.
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