RESTRUKTURISASI PIUTANG BAGI PELAKU USAHA DI MASA PANDEMI COVID-19 DALAM PERSPEKTIF PERATURAN PERUNDANG-UNDANGAN

Wulandari, Novi (2023) RESTRUKTURISASI PIUTANG BAGI PELAKU USAHA DI MASA PANDEMI COVID-19 DALAM PERSPEKTIF PERATURAN PERUNDANG-UNDANGAN. S1 thesis, UNIVERSITAS JAMBI.

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Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaturan restrukturisasi kredit di masa pandemi Covid-19 serta bentuk-bentuk restrukturisasi kredit dimasa pandemi Covid-19 bagi debitur. Metode penelitian ini merupakan penelitian hukum yuridis normatif. Hasil penelitian menunjukkan bahwa secara umum Bank hanya dapat melakukan restrukturisasi kredit terhadap debitur yang memenuhi kriteria yaitu debitur mengalami kesulitan pembayaran pokok dan/atau bunga kredit, debitur kooperatif dalam menjalankan kewajibannya dan debitur memiliki prospek usaha yang baik dan mampu memenuhi kewajiban setelah kredit direstrukturisasi. Adapun kriteria debitur yang mendapat perlakukan khusus di masa pandemi Covdi-19 termasuk debitur usaha mikro, kecil, dan menengah yang mengalami kesulitan untuk memenuhi kewajiban pada bank karena debitur atau usaha debitur terdampak dari penyebaran Covid-19. Bank dalam menerapkan kebijakan yang mendukung stimulus pertumbuhan ekonomi tersebut, Bank harus memiliki pedoman untuk menetapkan debitur yang terkena dampak penyebaran Covid-19. Pedoman penetapan debitur yang bisa mendapatkan kebijakan restrukturisasi kredit akibat pandemi Covid-19 ini menjadi persoalan tersendiri karena substansi Peraturan Otoritas Jasa Keuangan Nomor 48/POJK.03/2020 sebagai dasar atas kebijakan restrukturisasi di masa pandemi Covid-19 tidak tegas, tidak jelas dan tidak lengkap dalam melakukan pengaturan terkait dengan kebijakan restrukturisasi kredit. Pedoman penetapan kriteria debitur yang bisa mendapatkan kebijakan restrukturisasi kredit ini dalam POJK tidak secara rinci mengaturnya dan menyerahkan sepenuhnya kepada bank. Hal tersebut tentunya berpotensi menimbulkan dualisme pedoman antara bank yang satu dengan yang lainnya sehingga menimbulkan kebingungan dan keraguan bagi para debitur. Beberapa macam bentuk restrukturisasi kredit, bank dalam penerapannya juga tidak mengakomodir semua jenis restrukturisasi, tetapi hanya beberapa jenis skema saja tergantung kebijakan masing-masing bank. Dengan dilakukannya restruturisasi bukan berarti menghilangkan kewajiban debitur tersebut melainkan terdapat penyesuaian baru dalam membayar cicilan utang. Kata Kunci: Restrukturisasi, Piutang, Pelaku Usaha, Pandemi Covid-19 This study aims to determine and analyze credit restructuring arrangements during the Covid-19 pandemic and forms of credit restructuring during the Covid-19 pandemic for debtors. This research method is normative juridical legal research. The results showed that in general, the Bank can only restructure credit to debtors who meet the criteria, namely that the debtor has difficulty paying principal and/or interest, the debtor is cooperative in carrying out its obligations and the debtor has good business prospects and is able to fulfill obligations after the credit is restructured. The criteria for debtors who receive special treatment during the Covid-19 pandemic include micro, small and medium business debtors who have difficulty fulfilling their obligations to banks because the debtor or debtor's business is affected by the spread of Covid-19. In implementing policies that support the stimulus of economic growth, the Bank must have guidelines for determining debtors affected by the spread of Covid-19. The guidelines for determining debtors who can obtain credit restructuring policies due to the Covid-19 pandemic are a problem in itself because the substance of the Financial Services Authority Regulation Number 48/POJK.03/2020 as the basis for restructuring policies during the Covid-19 pandemic is not firm, unclear and incomplete in making arrangements related to credit restructuring policies. The guidelines for determining the criteria for debtors who can get this credit restructuring policy in the POJK do not regulate it in detail and leave it entirely to the banks. This of course has the potential to cause dualism of guidelines between one bank and another, causing confusion and doubt for debtors. Several forms of credit restructuring, banks in their implementation also do not accommodate all types of restructuring, but only several types of schemes depending on the policies of each bank. By doing restructuring, it does not mean eliminating the debtor's obligation, but there are new adjustments in paying debt installments. Keywords: Restructuring, Receivables, Business Actors, Covid-19 Pandemic.

Type:	Thesis (S1)
Uncontrolled Keywords:	Kata Kunci: Restrukturisasi, Piutang, dan Pelaku Usaha
Subjects:	L Education > L Education (General)
Divisions:	Fakultas Hukum > Ilmu Hukum
Depositing User:	Wulandari
Date Deposited:	21 Jul 2023 06:47
Last Modified:	21 Jul 2023 06:47
URI:	https://repository.unja.ac.id/id/eprint/54319

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