KEADILAN RESTORATIF DALAM PENYELESAIAN TINDAK PIDANA PEMALSUAN SURAT PADA PERJANJIAN KREDIT: STUDI KASUS BPR NBP 24 DURI

RIKO SLAMAT TAMPATI, NPM 2402405160 (2026) KEADILAN RESTORATIF DALAM PENYELESAIAN TINDAK PIDANA PEMALSUAN SURAT PADA PERJANJIAN KREDIT: STUDI KASUS BPR NBP 24 DURI. Tugas_Akhir(Artikel) Takuana, 4 (4). pp. 1885-1892. ISSN 2829-4831(e-ISSN) 2829-4955(p-ISSN)

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Abstract

This study analyzes the shift from punitive to restorative paradigms in resolving document forgery within banking credit agreements. Using an empirical legal approach, the research evaluates how restorative justice mechanisms effectively address fraud involving dual collateral documents at BPR NBP 24 Duri. The findings reveal that document forgery in this context is not merely a breach of contract but a systemic failure in collateral verification that necessitates legal restoration. The study’s novelty lies in its analysis of the "economic recovery" function of Police Regulation No. 8 of 2021, which transforms criminal threats into a tool for debt restitution. It concludes that restorative justice offers a pragmatic solution for financial crimes by prioritizing asset recovery over imprisonment. This research contributes to the development of Indonesian criminal law by providing a framework for resolving hybrid private-criminal disputes through non-litigation channels. Keywords: Restorative Justice, Document Forgery, Credit Agreement, Financial Crime, Legal Restoration

Item Type:	Article
Uncontrolled Keywords:	Restorative Justice, Document Forgery, Credit Agreement, Financial Crime, Legal Restoration
Subjects:	K Law > K Law (General)
Divisions:	Fakultas Hukum > Hukum
Depositing User:	Unnamed user with email repository@ulb.ac.id
Date Deposited:	01 Oct 2026 08:58
Last Modified:	01 Oct 2026 08:58
URI:	http://repository.ulb.ac.id/id/eprint/2898

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