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All Journal Unram Law Review Pena Justisia: Media Komunikasi dan Kajian Hukum
Danang Wahyu Muhammad
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Law, Crime, Criminology & Criminal Justice

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Credit relaxation Policy Affected by Covid-19 at Bank BRI Nogotirto Unit Muhammad Jauhar Shiddiq; Danang Wahyu Muhammad
Unram Law Review Vol 5 No 1 (2021): Unram Law Review (Ulrev)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v5i1.152

Abstract

This research purpose to determine the implementation of relaxation policies based on POJK No.II / POJK.03/2020 and to examine the apply the precautionary principle (prudential principal) after the issuance of POJK No.II/POJK.03/2020 on Bank BRI Nogotirto Unit. This is using empirical juridical method with qualitative analysis then inductive-verification testing is carried out on the latest facts contained in societyThe results of this show indicate that the implementation of the relaxation policy at the BRI Nogotirto Unit is in accordance with POJK No.II/POJK.03/ concerning 2020 National Economic Stimulus related to the requirements and procedures for applying for credit restructuring, namely the the debtor is experiencing payment difficulties (principal and/ or interest on credit), the debtor has good business prospects, shows good faith and is willing to fulfill credit obligations after restructuring. The implementation of the bank’s prudential principle (prudential principal) after the POJK was enforced at the Bank BRI Nogotirto uinit by mapping the affected customers according to the categories regulated by POJK, carrying out a restructuring scheme based on the decrease in turnover due to Covid-19, conducting debtor survival assessment, application of 5C principles are Character, Capacity, Capital, Collateral and Economic Condition of as well as based on the principles of objectivity, independence, avoiding confiicts of interest, and fairness in implementing credit restructuring at Bank BRI Nogotirto.
Reviews Include In The Categories Of Providing Information Or Utterances Hate Susila Susila; Danang Wahyu Muhammad
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 22 No. 2 (2023): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v22i2.2489

Abstract

Reviewing part of consumer rights as described in Article 4 of the Consumer Protection Act, complaints and opinions in the review are part of Electronic word-of-mouth (e-WOM). This activity is very beneficial for business actors in the field of information and advertising. This study uses normative research sourced from previous research and binding regulations. This study discusses the provisions of the review included in information or hate speech and how business ethics are the limitations of the review. The submitted review will be included in the information stipulated in the binding legal provisions. The freedom of opinion in the proposed study has limitations, namely mutually beneficial business ethics as desired
Co-Authors Muhammad Jauhar Shiddiq Susila Susila