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All Journal Jurnal Cahaya Mandalika Leges Privatae
Rr. Ani Wijayati, Rr. Ani
Unknown Affiliation
Humanities Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Other

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Credit Relaxation as an Instrument of Legal Protection for Debtors During the Covid-19 Pandemic Edison; Wijayati, Rr. Ani; Winanti Napitupulu, Diana Ria
Leges Privatae Vol. 2 No. 3 (2025): OCTOBER-JOY
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/evxnws44

Abstract

This article is structured based on research conducted on the case of PT. Pasundan Jaya. The fundamental points used as the foundation or the main topic of this study involve examining the legal protection mechanisms for debtors unable to fulfil their obligations in the future, the obstacles faced in acquiring legal protection due to their incapacity, and the legal efforts made by debtors to address these obstacles, particularly during the Covid-19 pandemic. This research employs a qualitative methodology with a normative juridical approach guided by the perspectives of Soerjono Soekanto and Sri Mamudji. It is descriptive-analytical and empirical, involving observations and interviews with several sources. The research findings encompass restructuring or relaxation of credit involving changes in credit agreements such as interest rates, timeframes, or payments; The credit restructuring policy applies to banking and financing until March 2023 due to the Covid-19 pandemic; Presidential Decree No. 12 of 2020 acknowledges unforeseen events regulated by law, stating that defaulting due to Covid-19 is not a breach of contract; and The Covid-19 pandemic is deemed as force majeure, among other aspects
STRATEGI PENYELESAIAN KREDIT SELAMA PANDEMI COVID-19 Edison, Edison; Wijayati, Rr. Ani; Napitupulu, Diana Ria Winanti
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 3 No. 2 (2022)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

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Abstract

Artikel ini disusun berdasarkan penelitian yang dilakukan pada kasus PT. Pasundan Jaya. Adapun poin-poin yang dipergunakan sebagai dasar pemikiran atau topik utama penelitian ini adalah menganalisis mekanisme perlindungan hukum bagi debitor yang tidak mampu memenuhi kewajibannya di masa depan, kendala-kendala yang dihadapi dalam memperoleh perlindungan hukum terkait ketidakmampuannya, serta upaya hukum yang dilakukan debitor dalam mengatasi kendala-kendala tersebut, terutama selama masa Pandemi Covid-19. Penelitian ini menggunakan metodologi kualitatif dimana jenis pendekatan yang dipergunakan adalah teori pendekatan yuridis normatif, yang berpedoman pada pandangan Soerjono Soekanto dan Sri Mamudji, dimana penelitian ini juga bersifat deskriptif analitis, dan studi empiris, yaitu dengan melakukan kegiatan pengamatan dan kegiatan wawancara dengan beberapa narasumber. Hasil penelitian ini mencakup mengenai restrukturisasi atau relaksasi kredit melibatkan perubahan dalam perjanjian kredit seperti suku bunga, waktu, atau pembayaran, kebijakan restrukturisasi kredit berlaku untuk perbankan dan pembiayaan hingga Maret 2023 akibat pandemi Covid-19, Keputusan Presiden No. 12 Tahun 2020 mengakui kejadian tak terduga yang diatur dalam hukum, gagal bayar akibat Covid-19 bukan wanprestasi, Pandemi Covid-19 termasuk force majeur, dan sebagainya.
Co-Authors Edison Edison Edison Napitupulu, Diana Ria Winanti Winanti Napitupulu, Diana Ria