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All Journal JUDGE: Jurnal Hukum
Lestari, Suntya Indah
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Law, Crime, Criminology & Criminal Justice

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ANALISIS YURIDIS TERHADAP PRAKTIK RESTRUKTURISASI KREDIT PASCA PANDEMI Fitrianto, Bambang; Manulang, Dewi Fortuna; Dharmawan, Andhika Tri; Batubara, Luthfi Alghifari; Sianturi, Sinta Grace Ika; Lestari, Suntya Indah
Judge : Jurnal Hukum Vol. 6 No. 05 (2025): Judge : Jurnal Hukum
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/judge.v6i05.1990

Abstract

The COVID-19 pandemic has caused a decline in economic activity and increased the risk of problematic credit, thereby endangering the stability of the financial sector, especially banking. To maintain the availability of cash in banks and help affected debtors, the government through the Financial Services Authority (OJK) is implementing a credit restructuring policy. This research uses a normative juridical approach and literature study to evaluate the legal basis, implementation, and impact of credit restructuring policies after the pandemic. The research results show that the restructuring policy has a strong legal basis. This is indicated by POJK No. 11/POJK.03/2020 and its derivative regulations, the Banking Law, and civil law principles (Article 1338 of the Civil Code). Although restructuring increases the stability of the financial system and benefits debtors economically, it also raises problems such as the risk of moral hazard and debtors' dependence on payment slack. Therefore, to ensure that this policy is successful in the long term, consistent monitoring and application of the precautionary principle is essential.
Co-Authors Batubara, Luthfi Alghifari Dharmawan, Andhika Tri Fitrianto, Bambang Manulang, Dewi Fortuna Sianturi, Sinta Grace Ika