Prativi, Jessica (2022) Aspek hukum restrukturisasi kredit bank dalam masa pandemi Covid-19. Masters thesis, Universitas Pelita Harapan.
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Abstract
Dalam bisnis perbankan yang diantisipasi dalam pengelolaan bisnis
perbankan adalah meminimalisasi terjadinya kredit bermasalah yang
berunjung pada kredit macet. Walaupun kredit yang diberikan bank kepada
debitur didasarkan atas kepercayaan, yang didasari oleh keyakinan bahwa
debitur tersebut akan mengembalikan pinjamannya berdasarkan waktu yang
telah ditentukan, akan tetapiterjadinya kegagalan debitur untuk membayar
hutangnya yang berujung terjadinyakredit macet, merupakan suatu risiko
yang tidak dapat dihindari dari sektor perbankan. Kegagalan usaha debitur
merupakan suatu faktor yang umum terjadi, terlebih pada saat terjadinya
pandemi Covid-19. Dalam penulisan tesis ini, menganalisis mengenai
pengaturan tentang restrukturisasi kredit dalam masa Pandemi Covid-19
serta perlindungan hukum bagi debitur yang mengalami kredit macet di
masa pandemi Covid-19. Bentuk penelitian tesis ini penelitian yuridis
normatif, adapun pendekatan yang dilakukan menggunakan pendekatan
perundang- undangan. Bahan hukum yang digunakan terdiri dari bahan
hukum primer, bahan hukum sekunder dan bahan hukum tersier Hasil dari
penelitian akan membahas terkait terjadinya Pandemi Covid-19 membawa
dampak diberbagai sektor, termasuk pada sektor perbankan. Pada sektor
perbankan, pada saat pandemi ini banyak terjadinya kredit macet,
dikarenakan kesulitan debitur untuk melakukan pembayaran hutang atau
kredit. Salah satu upaya yang dapat dilakukan untuk penyelamatan kredit
macet tersebut melalui restrukturisasi kredit. Restrukturisasi Kredit adalah
upaya perbaikan yang dilakukan Bank dalam kegiatan perkreditan terhadap
debitur yang mengalami kesulitan untuk memenuhi kewajibannya.
Mengenai restrukturisasi kredit bank dalam masa pandemi covid-19,
pengaturannyadiatur dalam Peraturan Otoritas Jasa Keuangan Nomor 48
/POJK.03/2020 tentang Perubahan Atas Peraturan Otoritas Jasa Keuangan
Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional
Sebagai Kebijakan Countercyclical Dampak Penyebaran Corona Virus
Disease 2019./In the banking business, what is anticipated in the management of the
banking business is to minimize the occurrence of non-performing loans
which lead to bad loans. Although the credit provided by the bank to the
debtor is based on trust, which is based on the belief that the debtor will
repay the loan based on a predetermined time, the failure of the debtor to
pay his debts which leads to bad credit is an unavoidable risk from the
sector. banking. Debtor business failure is a common factor, especially
during the Covid-19 pandemic. In writing this thesis, we analyze the
regulation on credit restructuring during the Covid-19 pandemic and legal
protection for debtors who experience bad credit during the Covid-19
pandemic. The form of this thesis research is normative juridical research,
while the approach taken is using a statutory approach. The legal materials
used consist of primary legal materials, secondary legal materials and
tertiary legal materials.The results of the research will discuss related to
the occurrence of the Covid-19 pandemic which has an impact on various
sectors, including the banking sector. Inthe banking sector, during this
pandemic there were many bad credits, due to the difficulty of debtors to
pay debts or credit. One of the efforts that can be done to save bad loans is
through credit restructuring. Credit Restructuring is an improvement effort
made by the Bank in credit activities for debtors who have difficulty fulfilling
their obligations. Regarding bank credit restructuring during theCOVID-19
pandemic, the regulation is regulated in Financial Services Authority
Regulation Number 48 /POJK.03/2020 concerning Amendments to
Financial Services Authority Regulation Number 11 /POJK.03/2020
concerning National Economic Stimulus as Countercyclical Policy Impact
of Spread Corona Virus Disease 2019.
Item Type: | Thesis (Masters) |
---|---|
Creators: | Creators NIM Email ORCID Prativi, Jessica NIM01659200094 jessica.prativi@gmail.com UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Sihombing, Jonker NIDN8838820016 UNSPECIFIED |
Uncontrolled Keywords: | Kredit Bank ; Restrukturisasi Kredit ; Pandemi Covid-19 |
Subjects: | K Law > K Law (General) |
Divisions: | University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law |
Depositing User: | Users 23537 not found. |
Date Deposited: | 24 Jun 2022 01:17 |
Last Modified: | 29 Sep 2022 08:11 |
URI: | http://repository.uph.edu/id/eprint/48051 |