Perlindungan Hukum Debitur Perbangkan Akibat Wanprestasi Perjanjian Kredit Masa Pandemi

##plugins.themes.academic_pro.article.sidebar##

Published Dec 11, 2023
https://doi.org/10.37680/almanhaj.v5i2.3826
Download
PDF
Statistic
Vol 5 No 2 (2023): Hukum dan Pranata Sosial Islam

##plugins.themes.academic_pro.article.main##

Ruth Aloysia A
Universitas Diponegoro
Rahandy Rizki Prananda
Universitas Diponegoro

Abstract

This study is to determine what kind of efforts are obtained legally against bank customers in bad credit problems during the pandemic and whether execution is a final solution in a bad credit problem, using normative legal research methods, it was concluded that the protection of debtors who have access to credit facilities during the Covid-19 pandemic includes; First, the government issued a policy in the form of Presidential Regulation No. 12 of 2020, which concerns the determination of Corona virus disease in natural disasters nationally in 2019. The spread of natural disasters (Covid-19). Regulation of the Financial Services Authority of the Republic of Indonesia Number 11/POJK.03/2020, . regarding the impact of the national economic stimulus counter cyclical policy on the spread of the corona virus disease in 2019, by itself Law No. 8 of 1999 Consumer legal protection, including debtors, is guaranteed according to the provisions. 2. The bank's actions in assisting the settlement of bad loans during the Covid-19 pandemic have several stages, so legal protection to debtors applies, so banks do not necessarily execute debtors' collateral or guarantees. However, banks provide settlement solutions to bad debtors so that the ability to pay the stuck debtors will slowly return to normal during this pandemic, so that the bad collectibility can become smooth, namely through the Restructuring process.

##plugins.themes.academic_pro.article.details##

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Copyright:

An author who publishes in Al-Manhaj agrees to the following terms:
  • Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
  • Author is able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book) with the acknowledgment of its initial publication in this journal.
  • Author is permitted and encouraged to post his/her work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of the published work (See The Effect of Open Access).

License:

  • Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.

  • No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.

You are free to:

  • Share — copy and redistribute the material in any medium or format
  • Adapt — remix, transform, and build upon the material for any purpose, even commercially.

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite
Aloysia A, R., & Prananda, R. (2023). Perlindungan Hukum Debitur Perbangkan Akibat Wanprestasi Perjanjian Kredit Masa Pandemi. AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam, 5(2), 2243-2256. https://doi.org/10.37680/almanhaj.v5i2.3826

References

Angelina Junike Krisen, , (2021), Perlindungan Hukum Kepada Debitur Yang Mengalami Kredit Macet di Masa Pandemi Covid-19, Lex Privatum, Vol. 11(11), Oktober.
Apsaridewi, Komang Indra, (2023), Tindakan Hukum Penyelamatan Kredit Bermasalah Pada Bank, Kertha Wicaksana, Vol. 17(1).
Etty Mulyati, S. M. (2016). Kredit Perbankan, Bandung: PT Refika Aditama.
H.R.M. Anton Suyatno, S. M. (2016). Kepastian Hukum Dalam Penyelesaian Kredit Macet. Prenadamedia Group.
I Made Rai Sukerta, I Nyoman, Putu Budiartha, Desak Gde Dwi Arini, (2021), Restrukturisasi Kredit Terhadap Debitur Akibat Wanprestasi Karena Dampat Pandemi Covid-19, Jurnal Preferensi Hukum, Vol.2(2), Juli.
Karin Andhita Putri, Adhitnya Widya Kartika, (2023), Implementasi Restrukturisasi Kredit Oleh Pelaku Usaha Pasca Covid-19 Pada Perjanjian Kredit Modal Kerja (KMK) Bank X Kantor Cabang Diponegoro Surabaya, Oleh Pelaku Usaha Pasca Covid-19 Pada Perjanjian Kredit Modal Kerja (KMK) Bank X Kantor Cabang Diponegoro Surabaya, UNES LAW REVIEW, Vol.5 (4), Juni.
M. Bahsan S.H., S. (2015). Hukum Jaminan dan Jaminan Kredit Perbankan Indonesia. Jakarta: PT Rajagrafindo Persada.
Ni Made Mirah Dwi Lestari, I Nyoman Putu Budiartha, Ni Gusti Ketut, (2022), Upaya Perlindungan Hukum Terhadap Kreditur Atas Debitur Wanprestasi Dalam Perjanjian Kredit Pada Masa Pandemi Covid-19, iJurnal Interprestasi Hukumi, Vol.3(1), Maret
Putu Sekarawangi Saraswati, Agustina Ni Made Ayu Darma Pratiwi, (2022), Wanprestasi Dalam Perjanjian Kredit Dimasa Pandemi Covid-19, YUSTHIMA, Vol. 2(2), September.
Riky, R. (2017). Hukum Jaminan. UII Press, Yogyakarta
Sari Sepri Wulan, (2016), Perkembangan Dan Pemikiran Uang Dari Masa Kemasa, Jurnal Ekonomi Syariah, Vol.3 (1).
Simamora Ucok, (2017), Rekstrukturisasi Perjanjian Kredit Dalma Perhatian Khusus (Studi Kasus Pada PT Bank Rakyat Indonesia, Tbk), Jurnal Cepalo, Vol.1 (1), Juli-Desember.
Sinaga Niru Anita, (2019), Implementasi Hak dan Kewajiban Para Pihak Dalam Hukum Perjanjian, Jurnal Ilmiah Hukum Dirgantara, Vol.10 (1), September.