Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring

Shannia Angelia Rahardjo ; Tarsisius Murwadji ; Helza Nova Lita
Kajian ilmu Hukum, Sosial dan Administrasi Negara 📅 2025 Vol 2, No 2 🔗 DOI: 10.62383/jembatan.v2i2.1607
Abstract
Micro, Small and Medium Enterprises (MSMEs) play a significant role in the economy, but often face obstacles in accessing financing. Credit performance guarantee is one of the mechanisms to mitigate risks for financial institutions. Along with the development of financial technology, innovative credit scoring emerged as an alternative method of assessing the creditworthiness of MSMEs. This research aims to analyze the legal effectiveness of the application of MSME credit performance guarantees based on innovative credit scoring. This research uses a normative juridical method with qualitative juridical analysis to try to examine and analyze the problems studied. The application of innovative credit scoring in MSME credit performance guarantees has the potential to increase the legal effectiveness of guarantees through a more comprehensive and accurate risk assessment. However, its implementation requires regulatory clarity regarding scoring standards, personal data protection, and dispute resolution mechanisms. An adaptive and responsive legal framework to technological innovation is crucial to optimize the role of innovative credit scoring in strengthening the effectiveness of MSME credit performance guarantees and promoting financial inclusion.
 
 
 
Keywords
Innovative Credit Scoring; MSME; Performance Guarantee
How to Cite

Shannia Angelia Rahardjo, et al. (2025). Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring. Kajian ilmu Hukum, Sosial dan Administrasi Negara, 2(2). https://doi.org/10.62383/jembatan.v2i2.1607

Shannia Angelia Rahardjo; Tarsisius Murwadji; Helza Nova Lita, "Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring," Kajian ilmu Hukum, Sosial dan Administrasi Negara, vol. 2, no. 2, 2025.

Shannia Angelia Rahardjo; Tarsisius Murwadji; Helza Nova Lita. "Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring." Kajian ilmu Hukum, Sosial dan Administrasi Negara, vol. 2, no. 2, 2025.

Shannia Angelia Rahardjo; Tarsisius Murwadji; Helza Nova Lita. "Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring." Kajian ilmu Hukum, Sosial dan Administrasi Negara 2, no. 2 (2025).

Shannia Angelia Rahardjo, et al. (2025) 'Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring', Kajian ilmu Hukum, Sosial dan Administrasi Negara, 2(2). doi: 10.62383/jembatan.v2i2.1607.

Shannia Angelia Rahardjo; Tarsisius Murwadji; Helza Nova Lita. Efektivitas Hukum Jaminan Performa Kredit UMKM Melalui Penerapan Innovative Credit Scoring. Kajian ilmu Hukum, Sosial dan Administrasi Negara. 2025;2(2).

Artikel Terkait

Peran Advokat dalam Perlindungan Hak Korban Pemerkosaan dalam Sistem Peradilan di Indonesia

Faidhul Rasyid; Reza Fitri Ananda

Faktor Penghambat Penerapan Peraturan Daerah Nomor 1 Tahun 2018 Tentang Ketertiban Umum di Kota Gorontalo

Haikal Pontoh; Lisnawaty W. Badu; Nuvazria Achir

Faktor-Faktor yang Mempengaruhi Penerapan Peraturan Daerah Kabupaten Gorontalo Nomor 04 Tahun 2014 Tentang Penertiban Hewan Ternak di Desa Ilomata, Kecamatan Bilato

Cici Cahyani Lamunte; Erman I. Rahim; Julius T. Mandjo

Implementasi Permensos Nomor 8 Tahun 2021 Tentang Penyelenggaraan Pengumpulan Uang atau Barang dalam Praktek Pengumpulan Donasi Bencana Alam oleh Mahasiwa

Ratih Sulastri; Zamroni Abdussamad; Fitran Amrain

Phishing dan Upaya Perlindungan Hukum di Indonesia Sebagai Ancaman Kejahatan Siber

Gina Sonia Kafiar

Pertanggungjawaban Pidana Korporasi atas Kerusakan Lingkungan yang Mengakibatkan Bencana Banjir Bandang berdasarkan Undang-Undang Perlindungan dan Pengelolaan Lingkungan Hidup

Roby Andika Harahap; Tri Reni Novita
Tren Sitasi Jurnal