PENANGANAN TUNGGAKAN KREDIT AKIBAT FORCE MAJEURE MASA PANDEMI COVID-19
on
Authors:
Made Anersamsa Prajesa Lagosa, I Dewa Ayu Dwi Mayasari
Abstract:
“ABSTRAK Penelitian ini bertujuan untuk mengetahui bagaimana penanganan tunggakan kredit akibat force majeure saat pandemi covid-19 masih melanda. Untuk mengetahui perlindungan hukum yang tersedia bagi debitur yang kurang mampu dalam hal memenuhi kewajibannya karena terdapat faktor seperti terjadinya force majeure pandemi covid-19. Penelitian ini menggunakan metode penelitian hukum normatif, dimana hukum berfungsi sebagai landasan bagi sistem norma. Menurut temuan penelitian ini, pandemi adalah peristiwa yang sangat tidak terduga atau direncanakan yang sering berubah menjadi tragedi tanpa gejala awal dan tidak terdeteksi. Akibatnya, pandemi memenuhi syarat sebagai jenis kejadian force majeure atau skenario darurat. Hal tersebut didukung dengan dasar hukum Perpres Nomor 12 Tahun 2020 yang menetapkan dasar hukum Force Majeure dalam hal terjadi bencana non alam akibat dari penyebaran Covid-19. Poin pertama, bencana nasional akibat penyebaran covid-19 ditetapkan dengan Perpres Nomor 12 Tahun 2020 tentang Penetapan Bencana Non Alam Akibat Penyebaran Coronavirus Disease 2019 (Covid-19) sebagai Bencana Nasional. Poin kedua, adanya dampak signifikan dalam mengatasi tunggakan kredit dan memberikan jaminan perlindungan hukum pada debitur yang kurang mampu dalam memenuhi kewajibannya karena force majeure akibat pemberlakuan Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2020 Pasal 2. ayat (1) dan (2), serta Pasal 1244 dan 1245 KUHPerdata. Kata Kunci : Penanganan tunggakan kredit, force majeure, pandemi ABSTRACT The purpose of this research is to identify how credit arrears were handled due to force majeure during the covid-19 pandemic. To learn about the legal safeguards available to debtors who are unable to pay credit owing to the covid-19 pandemic’s force majeure.This study uses a normative legal research method, in which the law serves as the foundation for the norm system. According to the findings of this study, a pandemic is a highly unpredictable or premeditated event that often turns into a tragedy with no early and undetectable symptoms. As a result, the pandemic qualifies as a type of force majeure occurrence or an emergency scenario. This is supported by the legal basis of Presidential Decree No. 12 of 2020, which establishes the legal basis for Force Majeure in the event of non-natural disasters due to the spread of Covid-19. The first point is that non-natural disasters caused by the spread of covid-19 are national disasters stipulated by Presidential Decree No. 12 of 2020 concerning the Determination of Non-Natural Disasters Due to the Spread of Coronavirus Disease 2019 (Covid-19) as National Disasters. The second point, there is a significant impact in dealing with credit arrears and providing legal protection to debtors who are less able to fulfill their obligations to the force majeure due to the enforcement of Financial Services Authority Regulation Number 11/POJK.03/2020 Article 2. paragraph (1 ) and (2), as well as Articles 1244 and 1245 of the Civil Code. Keywords: Handling credit arrears, force majeure, pandemic”
Keywords
: Penanganan tunggakan kredit, force majeure, pandemi ABSTRACT The purpose of this research is to identify how credit arrears were handled due to force majeure during the covid-19 pandemic. To learn about the legal safeguards available to debtors who are unable to pay credit owing to the covid-19 pandemic’s force majeure.This study uses a normative legal research method, in which the law serves as the foundation for the norm system. According to the findings of this study, a pandemic is a highly unpredictable or premeditated event that often turns into a tragedy with no early and undetectable symptoms. As a result, the pandemic qualifies as a type of force majeure occurrence or an emergency scenario. This is supported by the legal basis of Presidential Decree No. 12 of 2020, which establishes the legal basis for Force Majeure in the event of non-natural disasters due to the spread of Covid-19. The first point is that non-natural disasters caused by the spread of covid-19 are national disasters stipulated by Presidential Decree No. 12 of 2020 concerning the Determination of Non-Natural Disasters Due to the Spread of Coronavirus Disease 2019 (Covid-19) as National Disasters. The second point, there is a significant impact in dealing with credit arrears and providing legal protection to debtors who are less able to fulfill their obligations to the force majeure due to the enforcement of Financial Services Authority Regulation Number 11/POJK.03/2020 Article 2. paragraph (1 ) and (2), as well as Articles 1244 and 1245 of the Civil Code. Keywords: Handling credit arrears, force majeure, pandemic
Downloads:
Download data is not yet available.
References
References Not Available
PDF:
https://jurnal.harianregional.com/kerthadesa/full-90351
Published
2022-10-27
How To Cite
PRAJESA LAGOSA, Made Anersamsa; DWI MAYASARI, I Dewa Ayu. PENANGANAN TUNGGAKAN KREDIT AKIBAT FORCE MAJEURE MASA PANDEMI COVID-19.Kertha Desa, [S.l.], v. 10, n. 10, p. 1044-1053, oct. 2022. Available at: https://jurnal.harianregional.com/kerthadesa/id-90351. Date accessed: 08 Jul. 2024.
Citation Format
ABNT, APA, BibTeX, CBE, EndNote - EndNote format (Macintosh & Windows), MLA, ProCite - RIS format (Macintosh & Windows), RefWorks, Reference Manager - RIS format (Windows only), Turabian
Issue
Vol 10 No 10 (2022)
Section
Articles
Copyright
This work is licensed under a Creative Commons Attribution 4.0 International License
Discussion and feedback