Default of Banking Credit Agreements in the Time of Covid 19

Sri Dewi, Sriono Sriono, Elviana Sagala

Abstract


The covid 19 pandemic resulted in a very significant economic impact, and resulted in many defaults on bank credit agreements which underwent payment restructuring based on the covid 19 virus. Financial Services Authority (OJK) Regulation No. 11/POJK.03/2020 concerning the national economic stimulus as a countercyclical policy for the impact of the spread of covid 19 gives authority to banks to establish policies that support economic growth stimulus for debtors affected by the spread of covid 19, one of which is credit or financing restructuring policies. The occurrence of a national disaster caused by the Covid 19 virus had an impact on the force majeure situation. That defaults due to the spread of the covid-19 virus have resulted in debtors being negligent in carrying out their obligations, this method uses the normative juridical method, which refers to the provisions of positive laws and regulations in Indonesia. The results of the research show that defaults in the credit agreement cannot be used as an excuse for not fulfilling their obligations. The spread of covid-19 cannot be used as an excuse that causes a compelling situation that requires the debtor to commit an act of default. In the concept of a rule of law, judicial power is independent in carrying out its judicial function, thus enabling the exercise of judicial power to be fair in examining, adjudicating and deciding cases based on law and justice. Then the policy of the regulations issued by the government against the spread of the covid-19 virus is very important for the community regarding the problem of the spread of the covid-19 virus.


Keywords


default; agreement; credit; covid-19

Full Text:

PDF

References


Chandra, M. J. A. (2015). Kewenangan Bank Indonesia Dalam Pengaturan Dan Pengawasan Perbankan Setelah Terbitnya Undang-Undang No. 21 Tahun 2011 Tentang Otoritas Jasa Keuangan. Jurnal Hukum Sehasen, 1(1), 24–45.

Eka Nur Safitri. (2018). Analisis Faktor - Faktor Penyebab Terjadinya Wanprestasi Dan Penyelesaiannya Pada Produk Murabah. In Journal of Chemical Information and Modeling (Vol. 53, Issue 9).

frans wempie supit pangemanan. (2019). Implementasi Pasal 1238 Kuh Perdata Terhadap Penentuan Debitor Yang Cidera Janji Dalam Perjanjian Kredit. Lex Et Societatis, 7(4), 119–126.

Gentur cahyo setiono, herry sulistyo, satriyani cahyo widayati. (2021). Cidera Janji Dalam Perjanjian Kredit Jaminan Fidusia. TRANSPARASI HUKUM, 04(01), 62–76.

Ichsan, R. N., Suparmin, S., Yusuf, M., Ismal, R., & Sitompul, S. (2021). Determinant of Sharia Bank’s Financial Performance during the Covid-19 Pandemic. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(1), 298–309. https://doi.org/10.33258/birci.v4i1.1594

Ida Bagus Gde Gni Wastu, I Gusti Ngurah Wairocana, D. P. D. K. (2017). Kekuatan Hukum Perjanjian Kredit Di Bawah Tangan Pada Bank Perkreditan Rakyat. Acta Comnitas, 2(1), 83–98. https://doi.org/10.24843/AC.2017.v02.i01.p08.

Mia Wijayanti Ekalandika, I Ketut Westra, D. G. R. (2013). wanprestasi dalam perjanjian kredit bank rakyat indonesia (PT PERSERO) Tbk Cabang Denpasar. Kertha Semaya : Journal Ilmu Hukum, 01(08), 1–6.

Muhammad Fakhri Amir. (2020). Peran Dan Fungsi Otoritas Jasa Keuangan (OJK) Dalam Sistem Keuangan Di Indonesia (Perspektif Hukum Islam). Al-Amwal, Journal of Islamic Economic Law, 5(1), 1–20. https://doi.org/10.24256/alw.v5i1.1577

PT JAWA POS. (n.d.). hakim menolak gugatan pasutri.

Rina Maulina, R. M. (2020). Retrukturisasi Kredit Dalam Pelaksanaan Kebijakan Countercyclical Dampak Penyebaran COVID-19 DI PT. BPRS Baiturrahman. AKBIS, Media Riset Dan Akuntansi, 4(1).

Sagala, B. B. (2017). Kekuasaan Kehakiman yang Merdeka. Jurnal Hukum & Pembangunan, 16(2), 153. https://doi.org/10.21143/jhp.vol16.no2.1197

Satradinata, D. N., & Muljono, B. E. (2020). Analisis Hukum Relaksasi Kreadit Saat Pandemi Corona Dengan Kelonggaran Kredit Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2020. Jurnal Sains Sosio Humaniora, 4(2), 613–620. https://doi.org/10.22437/jssh.v4i2.11009

Sriono, S. (2019). Tanggung Jawab Pemberi Fidusia Terhadap Benda Jaminan Fidusia Dalam Perjanjian Kredit. Jurnal Ilmiah Advokasi, 07(02), 149–159.

Sriwati. (2021). Legal Protection for Creditor under Cross Default and Cross Collateral Clause in a Credit Agreement. Konfrontasi Journal: Culture, Economy and Social Changes, 8(1), 12–22. https://doi.org/10.33258/konfrontasi2.v8i1.137

Trisna, N. (2017). Aspek Hukum Pencantuman Klausula Eksonerasi Dalam Perjanjian Kredit Perbankan. Ius Civile, 1(1), 78–92.




DOI: https://doi.org/10.33258/birci.v4i2.1878

Article Metrics

Abstract view : 34 times
PDF - 12 times

Refbacks

  • There are currently no refbacks.


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

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