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

Abstract

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.