ANALISIS YURIDIS PENERAPAN KEBIJAKAN RESTRUKTURISASI KREDIT AKIBAT PANDEMI COVID-19 TERHADAP KREDITUR PADA BANK TABUNGAN NEGARA KANTOR CABANG MAGELANG

Muhamad Rizki Ekananda, NIM.: 18103040070 (2022) ANALISIS YURIDIS PENERAPAN KEBIJAKAN RESTRUKTURISASI KREDIT AKIBAT PANDEMI COVID-19 TERHADAP KREDITUR PADA BANK TABUNGAN NEGARA KANTOR CABANG MAGELANG. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The COVID-19 pandemic that experienced by debtors at the Bank Tabungan Negara Branch Office Magelang resulted in bad loans. This has resulted in the bank as a creditor having to implement credit restructuring in order to save the health of the bank. The credit restructuring is based on Regulation Number 11/POJK.03/2020 concerning National Economic Stimulus as a Countercyclical Policy for the Impact of the Spread of Coronavirus Disease 2019 and updated with Otoritas Jasa Keuangan Regulation Number 48/POJK.03/2020 concerning Amendments to Otoritas Jasa Keuangan Regulation Number 11 /POJK.03/2020 Regarding National Economic Stimulus as a Countercyclical Policy Impact of the 2019 Coronavirus Disease Spread. This research is an empirical juridical study that examines a legal provision originating from a problem in society with evidence and data obtained directly in the field. The data used in this study are secondary data obtained from library research and primary data obtained from interviews. The data obtained were analyzed qualitatively and presented by descriptive method. The results showed that the implementation of credit restructuring due to the COVID-19 pandemic at the Bank Tabungan Negara Branch Office Magelang went through four stages, namely restructuring submission, credit analysis, signing of addendum, and monitoring. If the debtor still does not fulfill the obligation to pay off the debt, then Bank Tabungan Negara Branch Office Magelang will take decisive action in the form of credit settlements for the debtor. The most effective credit settlement that can be done is by subrogation and execution of mortgage rights.

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