PERLINDUNGAN HUKUM TERHADAP KREDITUR KONKUREN DALAM PROSES KEPAILITAN DI INDONESIA

Abstract

This study aims to analyze the legal protection for concurrent creditors in the bankruptcy process in Indonesia, particularly in the context of asset distribution and their legal standing among creditor classifications. Concurrent creditors are those without collateral rights and not included in the category of preferred creditors, placing them at the lowest priority in the distribution of bankruptcy assets. As a result, they often receive little to no repayment of their claims. The research uses a normative juridical method, focusing on statutory regulations, legal doctrines, and case studies. The findings show that the legal protection for concurrent creditors remains weak both normatively and in practice, and does not reflect the principles of justice and equality within bankruptcy law. Therefore, regulatory reform and strengthened supervision of curators are needed to ensure fair protection of concurrent creditors’ rights within Indonesia's bankruptcy system.