Analisis Terhadap Pengaturan Restrukturisasi Dan Implementasinya Dalam Perjanjian Kredit Perbankan Di Masa Pandemi Covid-19

Yoga Saputra (Magister Kenotariatan Fakultas Hukum, Universitas Islam Indonesia, Yogyakarta, Indonesia)

Officium Notarium
Vol. 2 No. 3: DESEMBER 2022

During the Covid-19 pandemic, banking financial service institutions carried out credit restructuring service for affected debtors. However the service arrangement still has challenges in its implementation. The formulation of the problem in this research is how is the analysis for bank credit arrangements during the Covid-19 pandemic and how to implement the credit agreements during the Covid-19 pandemic. This is a normative legal research conducted with a statutory approach and a conceptual approach. The results of the research and discussion indicate that the Credit Restructuring policy during the Covid-19 pandemic was regulated through the Financial Services Authority Regulation Number 17/POJK.03/2021 on the Second Amendment to the Financial Services Authority Regulation Number 11/POJK.03/2020 on National Economic Stimulus as Countercyclical Policy Impact of the Spread of Covid-2019. This regulation does not further regulate the main guidelines for debtors affected by Covid-19 regarding the form of credit restructuring provided by banks to debtors. This poses a distinct challenge for regulators and financial service institutions in implementing the credit restructuring policies. In addition, the credit agreement after the restructuring is made in the form of an addendum called the Offering Letter of Credit. The form of restructuring provided has been determined in such a way as to extend the payment period and reduce the amount to be paid. This resulted in the amount of credit that must be paid as a whole to be greater than before the credit restructuring.Key Word: Credit, Banking, Covid-19 Pandemic, Restructuring. AbstrakLembaga jasa keuangan perbankan di masa Pandemi Covid-19 melakukan restrukturisasi kredit bagi debitur terdampak. Pengaturan restrukturisasi kredit ini masih memiliki tantangan dalam mengimplementasikannya. Rumusan masalah dalam penelitian ini yaitu bagaimana analisis pengaturan perjanjian kredit perbankan di masa pandemi Covid-19 dan bagaimana implementasi perjanjian kredit pada masa pandemi Covid-19. Penelitian ini merupakan penelitian hukum normatif yang dilakukan dengan pendekatan perundang-undangan dan pendekatan konseptual. Hasil penelitian dan pembahasan menunjukkan bahwa kebijakan Restrukturisasi Kredit pada masa pandemic Covid-19 diatur melalui Peraturan Otoritas Jasa Keuangan Nomor 17/POJK.03/2021 tentang Perubahan Kedua Atas Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2020 tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. Pengaturan tersebut tidak mengatur lebih lanjut mengenai pedoman utama bagi debitur terdampak Covid-19 terkait bentuk restrukturisasi kredit yang diberikan bank terhadap debitur. Hal tersebut menimbulkan tantangan tersendiri bagi regulator dan lembaga jasa keuangan dalam menerapkan kebijakan restrukturisasi kredit. Selain itu, perjanjian kredit setelah dilakukan restrukturisasi dibuat dalam bentuk addendum yang disebut dengan Surat Penawaran Putsan Kredit (Offering Letter). Bentuk restrukturisasi yang diberikan telah ditentukan sedemikian rupa dengan memperpanjang masa pembayaran dan menurunkan jumlah yang harus dibayarkan. Hal tersebut mengakibatkan besaran kredit yang harus dibayarkan secara keseluruhan menjadi semakin besar dibandingkan sebelum dilakukan restrukturisasi kredit.Kata-kata Kunci: Kredit, Perbankan, Pandemi Covid-19, Restrukturisasi.