Authors:

I Nyoman Dalem Tri Arcana, Dewa Nyoman Rai Asmara Putra

Abstract:

“Tujuan penulisan jurnal ini untuk mengkaji peraturan yang dikeluarkan pemerintah selama pandemic bagi debitur yang sedang mengalami kesulitan pembayaran pokok dan bunga kredit di masa pandemic mekanisme penerapan peraturan yang dikeluarkan untuk masyarakat yang terkena dampak pandemi. Penulisan jurnal ini menggunakan metode penelitian normatif dengan pendekatan peraturan perundang-undangan dan metode komparatif dengan membandingkan satu variabel dengan variabel lainnya. Dalam upaya mengatasi kredit bermasalah dan meringankan beban para debitur, pihak bank melakukan restrukturisasi kredit. Pemerintah memberikan perlindungan hukum bagi pihak debitur khususnya debitur yang terkena dampak pandemic akibat kehilangan pekerjaan. dengan diterbitkannya peraturan POJK No. 48/POJK.03/2020 diterbitkannya peraturan ini hasil dari studi ini pemeritah memberikan perlindungan hukum berupa produk restrukturisasi kredit program ini sangat membantu untuk debitur yang terkena dampak langsung pandemic mekanisme restrukturisasi kredit ini yang bertujuan untuk membantu posisi keuangan pihak peminjam dana sekaligus memberikan keringanan pembayaran pokok dan bunga bagi nasabah yang terkena dampak pandemic. Kata Kunci: Wanprestasi, Restrukturisasi, Debitur. ABSTRACT The purpose of writing this journal is to examine regulations issued by the government during a pandemic for debtors who are experiencing difficulties in paying credit principal and interest during a pandemic, the mechanism for implementing regulations issued for communities affected by the pandemic. The writing of this journal uses a normative research method with a statutory approach and a comparative method by comparing one variable with another. In an effort to overcome non-performing loans and ease the burden on debtors, the bank did a credit restructuring. The government provides legal protection for debtors, especially debtors affected by the pandemic due to job losses. with the issuance of POJK regulation No. 48/POJK.03/2020 the issuance of this regulation, the results of this study, the government provides legal protection in the form of a credit restructuring product. This program is very helpful for debtors who are directly affected by the pandemic, this credit restructuring mechanism aims to help the financial position of the borrower of funds while at the same time providing relief in payments. principal and interest for customers affected by the pandemic. Key Words: Defaulting Debtors, Restructurisation, Debtors.”

Keywords

Wanprestasi, Restrukturisasi, Debitur. ABSTRACT The purpose of writing this journal is to examine regulations issued by the government during a pandemic for debtors who are experiencing difficulties in paying credit principal and interest during a pandemic, the mechanism for implementing regulations issued for communities affected by the pandemic. The writing of this journal uses a normative research method with a statutory approach and a comparative method by comparing one variable with another. In an effort to overcome non-performing loans and ease the burden on debtors, the bank did a credit restructuring. The government provides legal protection for debtors, especially debtors affected by the pandemic due to job losses. with the issuance of POJK regulation No. 48/POJK.03/2020 the issuance of this regulation, the results of this study, the government provides legal protection in the form of a credit restructuring product. This program is very helpful for debtors who are directly affected by the pandemic, this credit restructuring mechanism aims to help the financial position of the borrower of funds while at the same time providing relief in payments. principal and interest for customers affected by the pandemic. Key Words: Defaulting Debtors, Restructurisation, Debtors.

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PDF:

https://jurnal.harianregional.com/kerthawicara/full-84291

Published

2022-07-01

How To Cite

TRI ARCANA, I Nyoman Dalem; RAI ASMARA PUTRA, Dewa Nyoman. RESTRUKTURISASI KREDIT TERHADAP DEBITUR WANPRESTASI DI MASA PANDEMI COVID -19.Kertha Wicara : Journal Ilmu Hukum, [S.l.], v. 11, n. 4, p. 924-935, july 2022. ISSN 2303-0550. Available at: https://jurnal.harianregional.com/kerthawicara/id-84291. Date accessed: 08 Jul. 2024. doi:https://doi.org/10.24843/KW.2022.v11.io4.p20.

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Issue

Vol 11 No 4 (2022)

Section

Articles

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