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Legal Paradigm Shifting Rural Credit Bank of Indonesia (BPR) to Enhance Indonesia Banking in the Global Market: A Normative Legal Study

Journal of Law and Legal Reform · Vol. 7 No. 1 (2026) · hlm. 457–488

DOI
10.15294/jllr.v7i1.20687
ISSN
2715-0968, 2715-0941
Terbit
2026-01-26
Penerbit
Faculty of Law, Universitas Negeri Semarang, Indonesia
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc-sa/4.0

Abstrak

The development of regulations resulting from the Financial Sector Development and Strengthening Act (P2SK Act) has changed the acronym of the People’s Credit Bank to the People’s Economic Bank, which, of course, changes the needs of today’s society. This research also aims to analyze the extent to which the government adapts to technological and informatics developments through progressive regulatory updates as evidenced by the emergence of new financial regulations, namely the P2SK Law. The research method used in this study is a comparative approach that analyzes the comparison of credit lending institutions before and after the P2SK Law. The analysis applied in this research is the Qualitative Method of Comparative Analysis Model, which compares two objects under study based on the author’s framework of thought. This normative-empirical legal research is studied based on regulations and examined based on social empirical facts in the field. The data processed comes from literature studies of previous studies collected and analyzed by the author. The results of this study interpret that the monetary and real sectors are integrated with regulations created by the government, which are mutually compatible. Regulatory updates must also follow the rapid development of the times in the economic sector, which is the main factor supporting the prosperity of a country. The substance of the new regulations of the P2SK Law is also adjusted to the needs of the community through the functions and principles of the People’s Economic Bank itself.

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  • State University of Semarang
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Irawaty IrawatyAfiliasi tidak diketahui5
Dewi SulistianingsihState University of Semarang3
Pujiono PujionoAfiliasi tidak diketahui2
Eko MukmintoAfiliasi tidak diketahui2
Widhiyanto WidhiyantoAfiliasi tidak diketahui2
Dani MuhtadaAfiliasi tidak diketahui2
Winarsih WinarsihState University of Semarang2
Mutmainah Nur QoiriAfiliasi tidak diketahui2
Ratih DamayantiState University of Semarang2
Destika Santi Putri SarfitriAfiliasi tidak diketahui2
Jamaluddin Jamal MuhsenAfiliasi tidak diketahui2
Permata Intan MaharaniAfiliasi tidak diketahui2
LAGA SUGIARTOAfiliasi tidak diketahui2
Ubaidillah KamalAfiliasi tidak diketahui2
Kresna Adi PrasetyoAfiliasi tidak diketahui2
Lilis Eka LestariAfiliasi tidak diketahui2
Nurul FibriantiAfiliasi tidak diketahui2
Andry SetiawanAfiliasi tidak diketahui1
Ivan Bhakti YudistiraAfiliasi tidak diketahui1
MUHAMMAD SHIDQON PRABOWOAfiliasi tidak diketahui1
Rindia Fanny KusumaningtyasAfiliasi tidak diketahui1
Sudijono SastroatmodjoAfiliasi tidak diketahui1
Syukron SalamAfiliasi tidak diketahui1
Yuli Prasetyo AdhiAfiliasi tidak diketahui1
Holy Latifah HanumAfiliasi tidak diketahui1
Rahayu Fery AnitasariAfiliasi tidak diketahui1
Edward Michael SimangunsongAfiliasi tidak diketahui1
Hafidz DaffaAfiliasi tidak diketahui1
Samuel Adi NugrohoAfiliasi tidak diketahui1
Erin ChanniagoAfiliasi tidak diketahui1
Rayyan AlkhairAfiliasi tidak diketahui1
Ratna LaniatiAfiliasi tidak diketahui1
Bayangsari WedhatamiAfiliasi tidak diketahui1
Riska AlkadriAfiliasi tidak diketahui1
Anhar Dana PutraAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jllr/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Legal Paradigm Shifting Rural Credit Bank of Indonesia (BPR) to Enhance Indonesia Banking in the Global Market: A Normative Legal Study</dc:title>
	<dc:creator xml:lang="en">Ningsih, Ayup Suran</dc:creator>
	<dc:creator xml:lang="en">Fidiyani, Rini</dc:creator>
	<dc:creator xml:lang="en">Haryakusuma, Adil Putra</dc:creator>
	<dc:creator xml:lang="en">Nion, Norhaini Binti</dc:creator>
	<dc:creator xml:lang="en">Wardhani, Harumsari Puspa</dc:creator>
	<dc:subject xml:lang="en">People’s Economic Bank</dc:subject>
	<dc:subject xml:lang="en">Banking Law</dc:subject>
	<dc:subject xml:lang="en">Legal Paradigm</dc:subject>
	<dc:description xml:lang="en">The development of regulations resulting from the Financial Sector Development and Strengthening Act (P2SK Act) has changed the acronym of the People’s Credit Bank to the People’s Economic Bank, which, of course, changes the needs of today’s society. This research also aims to analyze the extent to which the government adapts to technological and informatics developments through progressive regulatory updates as evidenced by the emergence of new financial regulations, namely the P2SK Law. The research method used in this study is a comparative approach that analyzes the comparison of credit lending institutions before and after the P2SK Law. The analysis applied in this research is the Qualitative Method of Comparative Analysis Model, which compares two objects under study based on the author’s framework of thought. This normative-empirical legal research is studied based on regulations and examined based on social empirical facts in the field. The data processed comes from literature studies of previous studies collected and analyzed by the author. The results of this study interpret that the monetary and real sectors are integrated with regulations created by the government, which are mutually compatible. Regulatory updates must also follow the rapid development of the times in the economic sector, which is the main factor supporting the prosperity of a country. The substance of the new regulations of the P2SK Law is also adjusted to the needs of the community through the functions and principles of the People’s Economic Bank itself.</dc:description>
	<dc:publisher xml:lang="en">Faculty of Law, Universitas Negeri Semarang, Indonesia</dc:publisher>
	<dc:date>2026-01-26</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jllr/article/view/20687</dc:identifier>
	<dc:identifier>10.15294/jllr.v7i1.20687</dc:identifier>
	<dc:source xml:lang="en">Journal of Law and Legal Reform; Vol. 7 No. 1 (2026): January, 2026; 457-488</dc:source>
	<dc:source>2715-0968</dc:source>
	<dc:source>2715-0941</dc:source>
	<dc:source>10.15294/jllr.v7i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jllr/article/view/20687/8371</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Ayup Suran Ningsih, Rini Fidiyani, Adil Putra Haryakusuma, Norhaini Binti Nion, Harumsari Puspa Wardhani (Author)</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
</oai_dc:dc>