Tinjauan Yuridis Restrukturisasi Hutang Dalam Perjanjian Kredit Pada Masa Pandemi Covid 19
(Studi di SMS Finance Cabang Mataram)
Abstract
This research aims to find out the form of debt restructuring in pandemic covid-19 in SMS finance Branch of Mataram and the impact of restructuring to the credit agreement for the debtor. The method of this research is empirical legal research using statute, conceptual and sociological approaches. The result of this research experienced that based on the Financial Service Authority (OJK) Regulation Number 11/POJK.03/2020 concerning National Economic Stimulus as the policy concerning Countercyclical of the impact of spreading Corona Virus Diseases 2019. Debt restructuration is the effort to repair that is conducted in credit activity to debtor who finds the difficulties situation to fulfil the obligation. It provides to debtors who find the credit problems with certain criteria, for instance, debtor that still find the difficult situation the payment (main credit and/or credit interest) due to the decline financial condition causes some problems.References
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Antonius Ketut, Restrukturisasi Kredit Manfaat dan Kendala yang Dihadapi Bagi dan Oleh Perbankan, Worpress. http://antoniusketut.wordpress.com/manfaat-restrukturisasi-kredit diakses pada 04 Oktober 2021,pukul 21.00
Wawancara dengan Johan Wahyudi, SPV Marketing SMS Finance, tanggal 13 September 2021.
Zainal Asikin, Pengantar Hukum Perbankan Indonesia, PT. Raja Grafindo Persada, Jakarta, 2014.
Indonesia, Keputusan Presiden Tentang Lembaga Pembiayaan¸Keppres 61 Tahun 1988,Pasal 1 Angka 4.
Peter Mahmud Marzuki, Penelitian Hukum, rev.ed. cetakan ke-14, Prenadamedia Group, Jakarta, 2019.
Wawancara dengan Johan Wahyudi,SPV Marketing SMS Finance, tanggal 13 September 2021.
Wawancara dengan Igusti Made Omma, nasabah SMS Finance,tanggal 13 September 2021.
Wawancara dengan Johan Wahyudi, SPV Marketing SMS Finance, tanggal 13 September 2021.
Antonius Ketut, Restrukturisasi Kredit Manfaat dan Kendala yang Dihadapi Bagi dan Oleh Perbankan, Worpress. http://antoniusketut.wordpress.com/manfaat-restrukturisasi-kredit diakses pada 04 Oktober 2021,pukul 21.00
Wawancara dengan Johan Wahyudi, SPV Marketing SMS Finance, tanggal 13 September 2021.
Published
2022-02-28
How to Cite
Ayu Fanya, I. G., & Munandar, A. (2022). Tinjauan Yuridis Restrukturisasi Hutang Dalam Perjanjian Kredit Pada Masa Pandemi Covid 19: (Studi di SMS Finance Cabang Mataram). Private Law, 2(1), 187-196. Retrieved from https://journal.unram.ac.id/index.php/privatelaw/article/view/660
Section
Articles
