Juridical Review of The Policy of a National Private Bank Towards the Restructuring of Credit Financing and Or Providing Additional Credits or Capital Financing in The Covid-19 Pandemic Period

Abstract

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.