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Credit relaxation Policy Affected by Covid-19 at Bank BRI Nogotirto Unit Shiddiq, Muhammad Jauhar; Muhammad, Danang Wahyu
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 caption 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 banks 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.
The Response of the Muslim Community in Indonesia when Lockdown was Reimplemented Koni, Agung Subayu; Muhammad, Danang Wahyu; Erawan, M. Aufar Saputra Pratama; Arkan, Muhammad Alif
FIKRAH Vol 10, No 1 (2022): June 2022
Publisher : Prodi Aqidah dan Filsafat Islam, Fakultas Ushuluddin, Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (276.404 KB) | DOI: 10.21043/fikrah.v10i1.12228

Abstract

Although studies on the impacts of the pandemic on religious communities continue to emerge globally, studies on the response of religious communities in Indonesia have not yet been explored. Previous studies in Indonesia tended to focus on the following themes: the response to religion and the state, the response to government policies, the government's to COVID-19, and the public's response to the level of anxiety about the risk COVID-19. This study combines qualitative interview data. The goal is to understand Muslim communities, and their leader responds when Indonesia re-imposes its lockdown policy (PPKM). The findings in this paper are that the response of the Muslim community in Indonesia to changes in worship procedures and the mass closure of mosques in almost every region in Indonesia must be reviewed.