ISLAMIC LEGAL ANALYSIS OF SHARIA ECONOMIC DISPUTES REGARDING DEFAULT COMMITTED BY DEBTORS AT BANK OCBC NISP TBK, CQ. OCBC NISP SHARIA BUSINESS UNIT DURING COVID-19 ( DECISION NUMBER 2113/PDT.G/2024/PA.SBY ) (Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, 2025)