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Indonesia government’s effort made to overcome the high increase of nonperforming loan is issuing policy in the form of Bank Indonesia Regulation No. 2/15/PBI/2000 concerning Credit Restructuring in the form of a reduction in loan interest rates, extension of credit period, reduction of interest credit arrears, reduction of loan principal arrears, addition of credit facilities, and conversion of credit to temporary capital participation. Empirically, barriers to implementing this strategy still occur: obstacles in the process, obstacles to implementation, and obstacles to legal factors. With an Indonesian legal perspective approach, the study examines the application of strategies to find alternative solutions by applying empirical legal research methods. The results show that deviations in applying credit restructuring provisions are the leading factors that hinder their success, aside from amendments to the provisions that occur. Amendments must be reduced and prospective debtors should gain an in-depth understanding of the system in credit.

Implementation of Credit Restructuring Provisions for Debtors of Non-Performing Loans in Bank Credits