Loan Restructuring Refusals: Legal Insights on Debtor, Bank, and Judicial Perspectives.
LEGAL INSIGHT
M. Hadyaka Wiradewa & Achmad Fadhlullah
8/23/20251 min read
Loan Restructuring Refusals: Legal Insights on Debtor, Bank, and Judicial Perspectives.
Guperti Legal Insight | Banking & Finance Vol.1
Introduction
Credit restructuring is a strategic measure committed to by a commercial bank ('bank') to mitigate the escalation of Non-Performing Loan ('NPL') ratios, thereby safeguarding the stability of its credit portfolio. Nevertheless, in practice, the implementation of credit restructuring presents its own unique legal challenges, including legal disputes between debtors and banks arising from the bank's rejection of a debtor's application for credit restructuring.
Download the article here