PENANGGUHAN PELAKSANAAN PEMBIAYAAN KREDIT OLEH BANK PADA MASA PANDEMI COVID-19

Dodo Arifin, Hasnati Hasnati, Sandra Dewi, Yeni Triana

Abstract


The aim to analyze the suspension of the implementation of credit financing by banks during the Covid-19 pandemic and to analyze the legal consequences of the suspension of the implementation of credit financing by banks during the Covid-19 pandemic. The method used is normative legal research. Based on the results of the study on Suspension of Implementation of Credit Financing by Banks During the Covid-19 Pandemic Period, the difference between restructuring before the COVID-19 pandemic and restructuring as a result of the pandemic, which is used in credit analysis at POJK is solely based on the determination to pay principal or interest on the loan. If the debtor's payment status after the standard restructuring is at most the same as before the restructuring, it will increase by one level after three consecutive months of installment payments. The legal consequence of the suspension of the implementation of credit financing by banks during the Covid-19 pandemic is that debtor restructuring in the financial services sector affected by COVID-19 is certainly an effort to mitigate credit risk, including minimizing bad loans.

 


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