“Tinjauan Yuridis terhadap Pelaksanaan Restrukturisasi Kredit Berdasarkan POJK Stimulus Dampak Covid-19 Ditinjau dari Risiko Hukum : Studi pada PT. Bank Sumut”

Abstract

The Financial Services Authority (POJK) Regulation on the Covid-19 Impact Stimulus is one of the countercyclical policies issued by the State through the OJK to provide stimulus in the form of asset quality assessment and credit restructuring affected by Covid-19 as a response to economic conditions during the Covid-19 pandemic. Pt. Bank Sumut is one of the banks that implemented the POJK Stimulus impact of Covid-19 and became the object of this study. The formulation of the problems in this study is how the role of the state helps Bank debtors affected by Covid-19 get credit payment relief, how the position of the POJK Stimulus Impact of Covid-19 in civil relations between Banks and Debtors affected by Covid-19, and how the implementation and constraints of implementing credit restructuring based on the POJK Stimulus impact of Covid-19 on PT. Bank Sumut is viewed from legal risks. This type of research is normative legal research supported by empirical data (interview results) with normative data analysis methods of qualitative nature and secondary data as the main source of research data. Secondary data consists of primary legal materials, secondary legal materials and tertiary legal materials. The result of the discussion in this study is that the State has performed its role in an effort to provide welfare to its community by issuing various policies that can help Debtor Customers in obtaining credit payment relief. POJK Stimulus The Impact of Covid-19 as a legal product of the OJK has binding force in credit restructuring agreements affected by Covid-19 even though the POJK is a public law product that regulates agreements between banks and debtor customers in the realm of civil law. The restructuring of loans affected by Covid-19 is guided by the Bank's internal provisions and has a positive impact on the Bank's financial performance as indicated by the decline in NPL from 4.85% (March 2020 position data) to 2.90% in June 2022. The Bank has also anticipated the potential risks that will arise as a result of the restructuring.