Restrukturisasi Kredit Macet Di PT Bank Rakyat Indonesia (Persero) Tbk Di Kecamatan Pringgarata Kabupaten Lombok Tengah Pasca Pandemi Covid 19

Authors

  • Anggia Cahyani Safitri Fakultas Hukum, Ilmu Sosial dan Ilmu Politik Universitas Mataram
  • Eka Jaya Subadi Fakultas Hukum, Ilmu Sosial dan Ilmu Politik Universitas Mataram

Keywords:

kredit macet, restrukturisasi

Abstract

This research aims to determine the factors causing bad credit at PT Bank Rakyat Indonesia (Persero) Tbk in Pringgarata after the Covid-19 pandemic and to determine the implementation of restructuring at PT Bank Rakyat Indonesia (Persero) Tbk in Pringgarata after the COVID-19 pandemic. This type of research is normative empirical with statutory, conceptual, and sociological approaches. The results of this research are the factors that cause bad credit at the Pringgarata branch of Bank Rakyat Indonesia, namely economic factors, unstable economic factors, and the impact of the ongoing Covid-19 pandemic. The overall financial situation has not yet recovered, making it difficult for debtors to fulfill their credit payment obligations. Bank Rakyat Indonesia Pinggarata branch implemented two types of restructuring, extending the term and paying the interest only. Bank Rakyat Indonesia causes debtors not to understand the restructuring program.

References

Buku dan Jurnal

Iswi Hariyani, Restrukturisasi dan Penghapusan Kredit Macet,PT. Elex Media Komputindo,Jakarta.

Kasmir, 2015, Dasar-Dasar Perbankan, Raja Grafindo Persad, Jakarta

M. Aqim Adlan, “ penyelesaian kredit macet perbankan dalam pandangan islam “, Vol.2 No.2 (2016), 154

Muhammad Djumhana,2012, Hukum Perbankan di Indonesia, cet.6, PT. Citra Aditya Bakti, Bandung.

Salim HS, 2014, Pengantar Hukum Perdata Tertulis (BW), Sinar Grafika, Jakarta.

Peraturan Undang-Undang

Peraturan Otoritas Jasa Keuangan Republik Indonesia Tentang Peraturan Otoritas Jasa Keuangan Republic Indonesia Nomor 19 Tahun 2022 Tentang Perlakuan Khusus Untuk Lembaga Jasa Keuangan Pada Daerah Dan Sektor Tertentu Di Indonesia Yang Terkena Dampak Bencana pasal 11 ayat (1) dan (2), TLN NOMOR 14/OJK.

Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 40 /Pojk.03/2019 Tentang Penilaian Kualitas Aset Bank Umum

Hasil Wawancara

Wawan Cara Dengan Ibu Tasya, Tanggal 27 Februari 2024 di Bank BRI Pringgarata

Wawancara Dengan Bapak Sopyan, Tanggal 11 Desember 2023 di Bank BRI

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Published

2024-10-31

How to Cite

Cahyani Safitri, A., & Subadi, E. J. (2024). Restrukturisasi Kredit Macet Di PT Bank Rakyat Indonesia (Persero) Tbk Di Kecamatan Pringgarata Kabupaten Lombok Tengah Pasca Pandemi Covid 19. Private Law, 4(3), 820–829. Retrieved from https://journal.unram.ac.id/index.php/privatelaw/article/view/5606

Issue

Vol. 4 No. 3 (2024): Private Law Universitas Mataram

Section

Articles