Section 10(5) in The Jammu and Kashmir Money Lenders and Accredited Loan Providers Act, 2010
(5)Notwithstanding anything contained in the Code of Civil Procedure, Samvat 1989, the Panchayat or Lok Adalat, as the case may be, shall have jurisdiction to hear and decide disputes relating to loan between a money lender and borrower at the place where the borrower resides.
