Penyelesaian Hukum Kredit Macet Akibat Pandemi Covid-19 Di PT. Finansia Multi Finance (Kredit plus) Perspektif Hukum Perdata Indonesia

Didin Saprudin (Fakultas Hukum Universitas Mataram)
Lalu Hadi Adha (Fakultas Hukum Universitas Mataram)
Mohammad Irfan (Fakultas Hukum Universitas Mataram)

Private Law
Vol. 3 No. 2 (2023): Private Law Universitas Mataram

This study aims to explain the legal settlement of bad loans due to the Covid-19 pandemic from the perspective of Indonesian civil law and efforts can be made by PT Finansia Multi Finance (Kredit plus) due to defaults. This research uses a type of normative research that uses a statutory approach and a conceptual approach. The results of the study determined that there are two ways of resolving disputes concerning bad loans, namely litigation, and non-litigation. If these methods cannot achieve a win-win solution or a solution that takes into account both parties, the judge must make a verdict to decide the winning party and the losing party. Dispute settlement has had a strong legal basis since the issuance of Law Number 30 of 1999 concerning Arbitration and Alternative Dispute Resolution.