Judicial Assessment of Breach in Financing Agreements under Indonesian Contract Law

Authors

  • Sandra Rusli Universitas Tarumanagara Jakarta, Indonesia
  • Gunawan Djajaputra Universitas Tarumanagara Jakarta, Indonesia

DOI:

https://doi.org/10.46924/jihk.v7i2.392

Keywords:

Legal Protection, Default, Financing Agreement

Abstract

This study examines legal protection in investment financing defaults through the South Jakarta District Court Decision No. 1216/Pdt.G/2024/PN Jkt.Sel. The dispute arose when the debtor, CV Niaga Traktor Utama, failed to fulfill installment obligations to PT Woori Finance Indonesia Tbk. Using a normative legal method with qualitative analysis, this research reviews primary and secondary legal sources. The findings show that creditor protection operates preventively through prudential assessment, collateral binding, and protective contractual clauses, and repressively through default claims and collateral execution. The debtor’s liability is grounded in fault-based responsibility, requiring compensation, surrender of collateral, and payment of litigation costs when obligations are unmet without justification. The decision reinforces pacta sunt servanda by upholding creditor rights while ensuring fairness and proportionality.

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Published

2025-12-13

Issue

Vol. 7 No. 2 (2026): Jurnal Ilmu Hukum Kyadiren

Section

Articles

License

Copyright (c) 2025 Sandra Rusli, Gunawan Djajaputra

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How to Cite

Judicial Assessment of Breach in Financing Agreements under Indonesian Contract Law. (2025). JIHK, 7(2), 1318-1329. https://doi.org/10.46924/jihk.v7i2.392