Juridical Problems of Standard Clauses in Fair Banking Credit Agreements

The purpose of this study is to analyze: 1) How problematic are the standard clauses in fair banking credit agreements? 2) How is the construction of a fair banking credit agreement?. The research method used is empirical juridical with a statutory approach, concept approach, and case studies. The results showed that the construction of a fair banking credit agreement is an effort to create a fair agreement between the bank as the lender and the customer as the recipient of credit. Some important aspects that need to be considered in building a fair agreement are Information Transparency, Balance of Rights and Obligations, Customer Ability to Pay, Legal Protection, Principles of Trust and Honesty, Fairness in Interest and Fee Determination. By taking these aspects into account, bank credit agreements can be designed in a more equitable manner, reducing potential disputes, and increasing trust between banks and customers. Fairness in banking credit agreements will not only benefit customers, but will also support the stability and reputation of the bank in the long run. In addition, to ensure the sustainability of the principle of fairness, banks must constantly update and adapt their credit policies to regulatory developments as well as changing economic and market conditions. Banks also need to provide effective evaluation and feedback mechanisms to hear and respond to customer feedback, which in turn contributes to the creation of a banking system that is more inclusive and responsive to public needs.