THE LEGAL ANALYSIS AND THE IMPACT OF NOT DELETING OLD DATA IN INFORMATION SYSTEMS OF CREDIT PROGRAM ON KUR FINANCING FOR MICRO, SMALL AND MEDIUM ENTERPRISES

Andi Aina Ilmih, A. Zulkarnain, Kami Hartono
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Abstract

This study focuses on the importance of deleting data from the Program Credit Information System for People's Business Credit for MSME customers who have paid off their financing and re-apply for People's Business Credit facilities financing facility assistance from the government, by analyzing legal policies that regulate People's Business Credit facilities financing through Program Credit Information System in Indonesia and knowing the impact of not deleting Program Credit Information System data on People's Business Credit financing for MSME customers in Semarang Syari’ah Banking. This research uses empirical legal research method, with descriptive-analytical method. Based on the research that has been done, the legal arrangements and policies for People's Business Credit financing through Program Credit Information System in Islamic Banking are regulated in the Coordinating Minister for Economic Affairs Regulation Number 2 of 2021 concerning the Second Amendment to the Coordinating Minister for Economic Affairs Regulations Number 8 of 2019 concerning Guidelines for the Implementation of People's Business Credit; and the Coordinating Minister for Economic Affairs Regulations Number 3 of 2021 concerning the Fourth Amendment to the Coordinating Minister for Economic Affairs Regulations Number 6 of 2020 concerning Special Treatment of People's Business Credit facilities during the Covid-19 Pandemic. The impact of not deleting Program Credit Information System data for People's Business Credit financing customers for MSME actors in Islamic Banking includes positive and negative impacts. The positive impact is the existence of a data base for MSME actors as customers of People's Business Credit Financing at Program Credit Information System, becoming a guideline or benchmark for banks in distributing People's Business Credit facilities and the negative impact is the existence of a People's Business Credit financing database for MSME actors who pay off their financing if it is still listed in Program Credit Information System as a digital track record of People's Business Credit financing for SMEs in other Islamic banking and can be an obstacle/obstacle in obtaining People's Business Credit facility assistance from the government.
信贷计划信息系统不删除旧数据对中小微企业KUR融资的法律分析及影响
本研究的重点是,对于已经还清融资并重新申请政府提供的人民商业信贷融资便利援助的中小微企业客户,从人民商业信贷项目信用信息系统中删除数据的重要性。通过分析印度尼西亚通过项目信用信息系统规范人民商业信贷融资的法律政策,了解不删除项目信用信息系统数据对三宝垄伊斯兰银行中小微企业客户的人民商业信贷融资的影响。本研究采用实证法学研究方法,采用描述性分析方法。根据所做的研究,通过伊斯兰银行计划信用信息系统进行人民商业信贷融资的法律安排和政策在2021年第2号经济事务协调部长条例中进行了规定,该条例涉及2019年第8号经济事务协调部长条例关于人民商业信贷实施指南的第二次修正案;以及《2021年第3号经济事务协调部长条例》,该条例涉及《2020年第6号经济事务协调部长条例》的第四次修正案,《2020年第6号经济事务协调部长条例》涉及2019冠状病毒病大流行期间人民商业信贷设施的特殊待遇。不删除人民商业信贷融资客户的项目信用信息系统数据对伊斯兰银行中小微企业行为者的影响包括正面和负面影响。积极的影响是存在一个数据库的MSME参与者作为客户的人民商业信贷融资计划信用信息系统;成为银行分发人民商业信贷工具的指导方针或基准,其负面影响是存在人民商业信贷融资数据库,如果该数据库仍然作为其他伊斯兰银行中小企业人民商业信贷融资的数字跟踪记录列在计划信用信息系统中,则该数据库适用于偿还融资的MSME参与者,并且可能成为从政府获得人民商业信贷工具援助的障碍/障碍。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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