Indonesia is entering a critical period of the Covid-19 pandemic. Health workers are a profession that is in the vanguard and fight directly against Covid-19. Under these conditions, sometimes health workers have to sacrifice their lives to protect the public from the spread of the Covid-19 pandemic. From the results of the discussion, it can be concluded that the legal protection of the workforce safety of health workers due to the Covid-19 pandemic has not been implemented properly as mandated in the legislation. In the implementation of the rights of health workers during the Covid-19 pandemic still neglected and have not been fulfilled. Therefore, the role and responsibilities of the global government are needed to fulfill the rights of health workers as the frontline in handling the spread of Covid-19 in Indonesia.

The main issues of concern in this study is still the practice of control of land ownership by foreigners through a nominee agreement by using the guise of citizen so as if it did not violate the Act. This action was legalized by a notary / PPAT that in fact understand clearly applicable law. Therefore, this study aims to analyze the validity, binding strength, and as a result of the implementation of treaty law nominee in the control rights to land by foreigners based on the law of treaties Indonesia as well as the role and responsibilities of a notary / PPAT in issuing deeds nominee agreement. Based on the results of research conducted by the author, so in this study showed that the nominee agreement in terms of acquisition of land by foreigners to borrow the citizen name is not valid since the beginning of the holding no bad faith agreement of the parties, contrary to the principle of freedom of contract by not qualify objective the validity of an agreement as provided for in Article 1320 of the Civil Code, and contrary to Article 9, Article 21 paragraph (1), and reaffirmed by Article 26 paragraph (1) BAL. Therefore, not the validity of the nominee agreement, legally do not have binding force means the juridical consequences of their actual nominee agreement violates the law and therefore null and void and the land fell to the state as required in Article 26 paragraph (2) BAL. The role of the Notary/PPAT in issuing deeds relating to a nominee agreement must still be based on the applicable rules. If the deeds issued by the Notary/PPAT detrimental to the party, then the Notary/PPAT can be requested, with overall responsibility for the losses.

The study is aimed at identifying and analyzing covid-19 as a form of relative overmacht and as a result of the overmacht law in the credit agreement and the policy of ending the credit agreement as a result of the covid-19 pandemic. The study method used in this study was normatif juridical, a doctrinal law study method by examining and studying the regulations of legislation that served asa basis for then analyzing the issues discussed. The study is analytical by using primary and secondary legal materials through the study of related documents and literature. The analysis used in the study is qualitative analysis to address the issues discussed. According to research, the covid-19 is a non-natural disaster that can therefore be categorized as overmacht measurement. As a form of overmacht relative, the result of the law of the spread of covid-19 as the overmacht relative to the credit agreement is that the debtor still has to fulfill his obligations to the debtor after the covid-19 is over. In its implementation based on POJK 11/2020, the debtor is given credit relief through restructuring in accordance with the form of restructuring issued by the bank in the form of lowering interest rates, extension of term, reduction of principal arrears, reduction of interest arrears and other forms according to verification and analysis of the bank on affected debtors covid-19.

This research aims to determine and analyze the law consequences of overmacht in credit agreements due to the Covid-19 Pandemic and as legal remedies for settlement of the credit agreement due to the Covid-19 Pandemic. This research is socio-legal research, a combination research method between doctrinal law research methods and empirical legal research methods. This research was conducted in banking institutions and financing institutions in Ambon City, namely at Bank Mandiri Ambon Branch Office, BCA Ambon Branch Office, Bank Artha Graha Ambon Branch Office, and BFI Limited Company Ambon Branch Office. The types of research data are primary data and secondary data, obtained through literature study and interviews. Based on the results of the research, the Covid-19 Pandemic is a non-natural disaster, so it is categorized as a relative overmacht, so the result of the comparative overmacht law in the credit agreement due to the Covid-19 Pandemic in Ambon City has not changed the risk burden in the sense that the Debtor still fulfills their achievements after the outbreak of Covid - 19 Pandemic is over. The legal effort that can be taken to settle credit agreements due to Covid-19 Pandemic in Ambon City is through credit restructuring in the form of lowering interest rates, extending the period, reducing principal arrears, and reducing interest arrears as determined by the government to be implemented by the bank or financing institutions with debtors.

Penelitian ini bertujuan untuk mengkaji dan menganalisis praktek rentenir berkedok koperasi simpan pinjam di masa pandemik covid-19 ditinjau dari aspek hukum perjanjian. Dampak dari pandemik covid-19 inilah yang mengakibatkan sangat sulitnya pendapatan atau penghasilan dari masyarakat, sehingga muncul perbuatan-perbuatan yang menghalalkan segala cara untuk mendapatkan pengahasilan tersebut. Salah satunya dengan berhutang pada sistem koperasi simpan pinjam yang tidak sesuai dengan ketentuan perundang-undangan yaitu pada rentenir. Penelitian ini bersifat normatif, dengan menggunakan pendekatan perundang-undangan “statute approach” dan menggunakan pendekatan konseptual “conceptual approach”untuk mengkaji dan menganalisis permasalahan yang ada. Perjanjian yang dibuat dalam praktek rentenir berkedok koperasi di masa pandemik covid-19 merupakan perbuatan yang dilakukan atas dasar itikad tidak baik untuk mendapatkan keuntungan dari apa yang dilakukannya. Praktek rentenir berkedok koperasi simpan pinjam tersebut merupakan perbuatan ilegal yang belum diatur secara tegas dalam peraturan perundang-undangan, perjanjian yang muncul dari prakltek rentenir yang berkedok koperasi melanggar esensi syarat sah perjanjian yang ke empat yang ada dalam Pasal 1320 point 4 yaitu harus didasarkan pada suatu sebab yang tidak dilarang.