Fulfillment of debtor obligations in the loan agreement during the Covid-19 pandemic, in general, there were several debtors who did not meet the achievements as in the credit agreement between the bank and the debtor. The policy of restructuring credit / financing and / or providing additional credit and capital financing for people's credit banks during the Covid 19 pandemic is a rescue action, while the options for action taken are Rescheduling, Reconditioning, Restructuring, Combination of reconditioning with restructuring, namely changing requirements and credit term with the addition of bank funds. Non-performing loans require immediate prevention and handling efforts by the bank so that non-performing loans are not sustainable into non-performing loans. Therefore, if bad credit continues without any efforts to prevent and treat it, it can affect the soundness of the bank which can cause the bank to go bankrupt. Therefore, there must be a settlement through legal channels in the case of non-performing loans and this is what the author will discuss. All forms of policy in the form of credit or financing restructuring and providing additional credit and capital financing for rural credit banks were carried out during the pandemic period, which is an effort by the banking bank to help smooth the circulation of money during the current pandemic. How do you fulfill the debtor's obligations in the loan agreement during the Covid-19 pandemic? What is the policy for restructuring credit / financing and / or providing additional credit or capital financing for rural banks during the Covid 19 pandemic? The approach method used in this research is a sociological juridical approach. The juridical approach is used to analyze various laws and regulations governing credit or financing restructuring policies and or providing additional credit or capital financing for rural banks during the pandemic. The existence of a credit relationship begins with an agreement between the borrower (debtor) and the lender (creditor and bank) as outlined in the form of an agreement. Credit in general can be given to anyone who has the ability to do so, namely by means of a debt agreement. If the agreement has been agreed upon, there will be an obligation on the creditor, namely, to deliver the agreed funds or money to the debtor with the right to receive the money back from the debtor at a predetermined time accompanied by the interest agreed by the parties at the time of the credit agreement. agreed and signed by both parties. Fulfillment of debtor obligations in the loan agreement during the Covid-19 pandemic, in general, there were several debtors who did not meet the achievements as in the credit agreement between the bank and the debtor.
The legal relationship between the parties in the insurance agreement is the customer as the insured and the insurance company as the insured, the rights and obligations are set forth in the form of a policy and explain the premium. In insurance practice, not all claims submitted by the insured are accepted, while the criteria for rejection of customer claims by the Allianz company include: Completeness of claim documents; Exceeds the predetermined time; Claims are not covered by the agreement; Before the policy was purchased the disease already existed; Exceptions in filing a claim; and Breaking the law; Insurance claim dispute settlement can be carried out by the Financial Services Authority. The insurance policy contains clauses on how to resolve disputes, such as deliberation, arbitration or court. In addition, disputes can be resolved through dispute resolution institutions such as the Consumer Dispute Resolution Agency (BPSK) and the Indonesian Insurance Mediation Agency.
The functions and objectives of the insurance institution are so good, but in reality, there are still some members of the community who have not been able to take advantage of this insurance agency. This can be due to the low level of community income, lack of knowledge in the field of insurance, so it is feared that someday the insured will not be able to carry out his obligations. The theory used as a knife of analysis in this research is the theory of justice and the theory of legal protection. Life Insurance Business according to the Company Law is a business that provides risk management services that provide payments to policy holders, the insured, or other entitled parties in the event that the insured dies or remains alive, or other payments to the policy holder, the insured, or other parties entitled to the specified time as stipulated in the agreement, the amount of which has been determined and or is based on the results of fund management. Article 246 KUHD contains the formula: "by which the insurer binds himself to the insured by receiving premium.
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