Abstract

The aim of this research is to examine the legal protection provided to debtors and banks as creditors in implementing credit restructuring, so that the principles of justice and legal certainty are achieved. Using a normative legal research method through statute and conceptual approaches, it analyzes the legal foundation, validity, and constitutional implications of the digitalization of land administration. The research results show that legal protection for debtors and banks in implementing credit restructuring in Indonesia is designed to ensure the principles of justice and legal certainty. The principle of justice demands a balanced distribution of risk between creditors and debtors, while legal certainty ensures that every agreement and restructuring scheme is valid and legally binding. The balance between protection and risk strengthens the legal relationship between the parties involved so that the restructuring does not harm either party and maintains the debtor's business continuity and the bank's operational stability.