Tanggung Jawab Agen Jaminan terhadap Kreditor Peserta Sindikasi dalam Penyelesaian Kredit Macet pada Skema Kredit Sindikasi Berdasarkan Regulasi Perbankan

Fathia Ariandini Zulhian ; Etty Mulyati ; Agus Suwandono
Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesi... 📅 2026 Vol 3, No 2 🔗 DOI: 10.62383/amandemen.v3i2.1650
Abstract
Syndicated credit serves as a response for banks in extending loans as an alternative financing mechanism when constrained by the legal lending limit. Syndicated loans have a distinctive characteristic, namely the requirement for collective decision-making among creditors to reach a resolution. Consequently, collateral execution is often delayed or not carried out optimally to recover bank receivables, resulting in participating banks bearing losses for a relatively long period. This research employs a normative juridical approach with descriptive-analytical research specifications using qualitative methods based on relevant legal norms and theories. The results show that the legal relationship between the bank agent and the syndicated creditors constitutes an agency relationship, namely a special power of attorney as regulated under the Civil Code. The Bank Agent, consisting of the Facility Agent, Security Agent, and Escrow Agent, acts according to their respective duties for the benefit of the syndicate within the scope of authority agreed upon in the credit agreement. The resolution of non-performing loans in syndicated credit schemes should be carried out by referring to credit rescue and settlement mechanisms as regulated in the OJK Regulation concerning the Asset Quality Assessment of Commercial Banks through the prudential principle. The legal liability of the Bank Agent or Security Agent arises only when it can be proven that the agent has acted beyond the authority granted to it.
Keywords
Bank Agent; Creditors; Liability; Non-Performing Loan; Syndication Loan
How to Cite

Fathia Ariandini Zulhian, et al. (2026). Tanggung Jawab Agen Jaminan terhadap Kreditor Peserta Sindikasi dalam Penyelesaian Kredit Macet pada Skema Kredit Sindikasi Berdasarkan Regulasi Perbankan. Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia, 3(2). https://doi.org/10.62383/amandemen.v3i2.1650

Fathia Ariandini Zulhian; Etty Mulyati; Agus Suwandono, "Tanggung Jawab Agen Jaminan terhadap Kreditor Peserta Sindikasi dalam Penyelesaian Kredit Macet pada Skema Kredit Sindikasi Berdasarkan Regulasi Perbankan," Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia, vol. 3, no. 2, 2026.

Fathia Ariandini Zulhian; Etty Mulyati; Agus Suwandono. "Tanggung Jawab Agen Jaminan terhadap Kreditor Peserta Sindikasi dalam Penyelesaian Kredit Macet pada Skema Kredit Sindikasi Berdasarkan Regulasi Perbankan." Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia, vol. 3, no. 2, 2026.

Fathia Ariandini Zulhian; Etty Mulyati; Agus Suwandono. "Tanggung Jawab Agen Jaminan terhadap Kreditor Peserta Sindikasi dalam Penyelesaian Kredit Macet pada Skema Kredit Sindikasi Berdasarkan Regulasi Perbankan." Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia 3, no. 2 (2026).

Fathia Ariandini Zulhian, et al. (2026) 'Tanggung Jawab Agen Jaminan terhadap Kreditor Peserta Sindikasi dalam Penyelesaian Kredit Macet pada Skema Kredit Sindikasi Berdasarkan Regulasi Perbankan', Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia, 3(2). doi: 10.62383/amandemen.v3i2.1650.

Fathia Ariandini Zulhian; Etty Mulyati; Agus Suwandono. Tanggung Jawab Agen Jaminan terhadap Kreditor Peserta Sindikasi dalam Penyelesaian Kredit Macet pada Skema Kredit Sindikasi Berdasarkan Regulasi Perbankan. Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia. 2026;3(2).

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