Penerapan Hukum dalam Pemutusan Hubungan Kerja dan Kebijakan Bank Terhadap Debitur yang Terdampak Pandemi Covid-19

Abstract

Corona Virus Disease-19 (COVID-19) in Indonesia has a bad impact on the country's economy, banking, even the survival of the Community / Worker. The purpose of this study is to examine and analyze the legal consequences of employers who terminate the employment of PKWT workers who are affected by COVID-19 and the Bank's policy to set aside credit agreements for debtors affected by the termination of employment. This study uses a normative juridical research method with a statute approach and a case approach. The results show that the government's efforts to maintain public safety and maintain economic stability, in the spread of COVID-19, can affect the performance and capacity of micro, small and medium business debtors, thus potentially disrupting banking performance and financial system stability which can affect economic growth. Therefore, to encourage optimization of the banking intermediation function, maintain financial system stability, and support economic growth, an economic stimulus policy is needed as a counter cylical effect of the spread of COVID-19.

Covid-19 Sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit

“…9 Tanggal 18 Desember hingga 29 Desember 2019, terdapat lima pasien yang dirawat dengan Acute Respiratory Distress Syndrome (ARDS). 10 Corona Virus Disease-19 (COVID-19) di Indonesia berdampak buruk bagi perekonomian negara, perbankan, sampai keberlangsungan hidup Masyarakat. 11 Oleh karena semakin luasnya covid-19 yang menyebar ke seluruh dunia termasuk Indonesia dan berdampak kepada semua bidang kehidupan manusia, termasuk bidang ekonomi.…”

“…Berdasarkan hasil penelitian, Covid-19 merupakan sebuah bencana non alam yang karenanya dapat dikategorikan sebagai overmacht relative. Sebagai bentuk overmacht relatif, maka akibat hukum adanya penyebaran covid-19 sebagai overmacht relatif terhadap perjanjian kredit adalah bahwa debitur tetap harus memenuhi DOI: 10.47268/sasi.v27i1.447 kewajiban/prestasinya kepada debitur setelah covid-19 berakhir. Dalam pelaksanaannya berdasarkan POJK 11/2020 maka debitur diberikan keringanan kredit melalui restruktrisasi sesuai dengan bentuk restrukturisasi yang dikeluarkan oleh bank berupa penurunan suku bunga, perpanjangan jangka waktu, pengurangan tunggakan pokok, pengurangan tunggakan bunga dan bentuk lainnya sesuai verifikasi dan analisis pihak bank terhadap debitur terdampak covid-19.…”

Refund Akibat Pembatalan Tiket Pesawat sebagai Dampak Pandemi Covid-19

“…7 Data 8 Juni 2020 menunjukkan kasus yang terkonfirmasi berjumlah 32.033 kasus dan 1.883 kasus kematian. 8 Dalam hal ini, pemerintah Indonesia telah menetapkan wabah Covid-19 sebagai bencana nasional. Dampak Covid-19 telah memengaruhi banyak sektor dalam kegiatan seharihari, salah satunya dalam sektor transportasi.…”

Covid-19 Vaccination: Rights or Obligations?

“…Likewise, Article 9 of Law Number 39 of 1999 concerning Human Rights regulates a person's right to life. The government's efforts to maintain public safety 3 , the government is responsible for 1 Kunarso, K., & Sumaryanto, A. D. (2020). Eksistensi Perjanjian Ditengah Pandemi Covid-19.…”

“…Batulis Civil Law Review, 2 (1), 66-77. 3 The spread of hoaxes, the lack of health education about COVID-19 and its vaccinations have made people reluctant to participate in vaccinations, in addition to the growing assumption that vaccination as a person's right to health is a form of human right that does not need to be implemented if the person concerned does not want it. Based on the description above, the author tries to examine further whether vaccination during this epidemic is a person's right or obligation.…”