Aspek hukum restrukturisasi kredit bank dalam masa pandemi Covid-19

Prativi, Jessica (2022) Aspek hukum restrukturisasi kredit bank dalam masa pandemi Covid-19. Masters thesis, Universitas Pelita Harapan.

Preview	Text (Title) CT_01659200094_JESSICA JULIA PRATIVI.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (47kB) | Preview
Preview	Text Abstract.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (293kB) | Preview
Preview	Text ToC.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (541kB) | Preview
Preview	Text Chapter1.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (2MB) | Preview
	Text Chapter2.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (3MB) | Request a copy
	Text Chapter3.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB) | Request a copy
	Text Chapter4.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (3MB) | Request a copy
	Text Chapter5.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (937kB) | Request a copy
Preview	Text Bibliography.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (668kB) | Preview
	Text Appendices.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB) | Request a copy

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.

Actions (login required)

View Item