PENYELESAIAN PEMBIAYAAN YANG MACET PADA MASA PANDEMI COVID-19 DI PT. BFI FINANCE CABANG MATARAM
DOI:
https://doi.org/10.29303/prlw.v3i3.3419Keywords:
Resolution, Delinquent financing, Covid-19Abstract
The purpose of this research is to determine solutions for delinquent financing during the Covid-19 pandemic at PT. BFI Finance Mataram Branch and to identify the challenges in resolving delinquent financing during the Covid-19 pandemic at PT. BFI Finance Mataram. This research is a normative-empirical study, employing the statutory approach, conceptual approach, and sociological approach as the methods of analysis. The data sources include field data and literature data, consisting of primary and secondary data. The data collection techniques involve conducting interviews for field data and document study for literature data. The data analysis is conducted through descriptive qualitative analysis. The research findings conclude that in resolving delinquent loans during the Covid-19 pandemic, PT. BFI Finance provides relief measures, such as rescheduling payment schedules, to alleviate the burden on customers. The non-litigation negotiation method is being used due to the pandemic situation. However, the challenges faced in resolving delinquent financing during the pandemic are mainly attributed to the financial problems faced by the debtors. Many debtors have been laid off by their employers during the pandemic, and it has been difficult for BFI to reach out to them due to the pandemic situation.References
Buku-buku
Hermansyah, Hukum Perbankan Nasional Indonesia, Edisi Revisi, Jakarta: Kencana, 2009.
J. Satrio, Hukum Jaminan, Hak-hak Kebendaan, Bandung: Citra Aditya Bakti, 1991.
Rachmat Firdaus, Manajemen Perkreditan Bank Umum-Teori, Masalah, Kebijakan, dan Aplikasinya-Lengkap dengan Analisis Kredit, Bandung: Alfabeta, 2009.
Peraturan Perundang-Undangan
Indonesia, Undang-Undang Nomor 30 Tahun 1999 Tentang Arbitrase dan Alternatif Penyelesaian Sengketa, Lembaran Negara Nomor 138 Tahun 1999, Tambahan Lembaran Negara Nomor 3872.
Jurnal, Artikel dan Karya Ilmiah Lainnya
Adityo Nugroho, Implementasi Prinsip Pembayaran Kredit Konsumtif dan Strategi Penyelesaian Kredit Bermasalah, (Skripsi, Fakultas Hukum Universitas Brawijaya Malang, 2014).
Hasil Wawancara
Wawancara dengan Bapak I Made Priya Darsana selaku FUN di BFI Finance Cabang Mataram, pada tanggal 19 November 2022.
Wawancara dengan Bapak Agus Candra Widyana selaku Reco di BFI Finance Cabang Mataram, pada tanggal 14 November 2022.
Internet
Apa itu restrukrisasi kredit? Simak Definisi, Jenis dan Syaratnyahttps://bfi.co.id/Restrukturisasi Kredit/ Diakses pada tanggal 16 Januari 2023 Jam 18.00 WITA.
Hermansyah, Hukum Perbankan Nasional Indonesia, Edisi Revisi, Jakarta: Kencana, 2009.
J. Satrio, Hukum Jaminan, Hak-hak Kebendaan, Bandung: Citra Aditya Bakti, 1991.
Rachmat Firdaus, Manajemen Perkreditan Bank Umum-Teori, Masalah, Kebijakan, dan Aplikasinya-Lengkap dengan Analisis Kredit, Bandung: Alfabeta, 2009.
Peraturan Perundang-Undangan
Indonesia, Undang-Undang Nomor 30 Tahun 1999 Tentang Arbitrase dan Alternatif Penyelesaian Sengketa, Lembaran Negara Nomor 138 Tahun 1999, Tambahan Lembaran Negara Nomor 3872.
Jurnal, Artikel dan Karya Ilmiah Lainnya
Adityo Nugroho, Implementasi Prinsip Pembayaran Kredit Konsumtif dan Strategi Penyelesaian Kredit Bermasalah, (Skripsi, Fakultas Hukum Universitas Brawijaya Malang, 2014).
Hasil Wawancara
Wawancara dengan Bapak I Made Priya Darsana selaku FUN di BFI Finance Cabang Mataram, pada tanggal 19 November 2022.
Wawancara dengan Bapak Agus Candra Widyana selaku Reco di BFI Finance Cabang Mataram, pada tanggal 14 November 2022.
Internet
Apa itu restrukrisasi kredit? Simak Definisi, Jenis dan Syaratnyahttps://bfi.co.id/Restrukturisasi Kredit/ Diakses pada tanggal 16 Januari 2023 Jam 18.00 WITA.
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Published
2023-10-31
How to Cite
PUTU PURNAMIA, I. G., & Arifin Dilaga, Z. (2023). PENYELESAIAN PEMBIAYAAN YANG MACET PADA MASA PANDEMI COVID-19 DI PT. BFI FINANCE CABANG MATARAM. Private Law, 3(3), 695–702. https://doi.org/10.29303/prlw.v3i3.3419
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