Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic

Teng Berlianty; Rory Jeff Akyuwen; Darma Perdana Tas’an

doi:10.47268/ballrev.v4i1.1497

Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic

Teng Berlianty⁽¹⁾, Rory Jeff Akyuwen⁽²⁾, Darma Perdana Tas’an⁽³⁾

(1) Faculty of Law Pattimura University, Ambon, Indonesia
(2) Faculty of Law Pattimura University, Ambon, Indonesia
(3) Faculty of Law Pattimura University, Ambon, Indonesia
email

Corresponding Author

Abstract

The presence of the corona virus or coronavirus disease 2019 (Covid-19) has an impact on all aspects of human life, including in the fields of financial institutions and banking. The aim of this research is to examine the legal protection for debtors of Micro, Small and Medium Enterprises due to the Covid-19 pandemic in Ambon City, as well as the criteria for debtors of Micro, Small and Medium Enterprises who meet the credit restructuring requirements due to the Covid-19 pandemic. The method used in this study is a normative juridical method with a statutory approach and a conceptual approach. The legal materials studied consisted of primary legal materials, secondary legal materials, and tertiary legal materials through literature studies which were then analyzed qualitatively. Results of the Research, he implementation of credit agreements between banking institutions and debtors of Micro, Small and Medium Enterprises in Ambon City due to the Covid-19 pandemic is affected by the Covid-19 pandemic. Legal protection is carried out based on government policies through credit restructuring efforts for debtors who have difficulty fulfilling their obligations, which are carried out among others by reducing credit interest rates, extending credit terms, reducing loan interest arrears, reducing loan principal arrears, adding credit facilities. The criteria for debtors of Micro, Small and Medium business debtors who meet the requirements for credit restructuring due to the Covid-19 pandemic consist of 2 main criteria, namely the business of the debtor is indeed affected by the Covid-19 pandemic, and also the debtor's good faith in paying off credit installments.

Keywords

Restructuring; Credit Agreement; Debitors of Micro; Small and Medium

DOI

10.47268/ballrev.v4i1.1497

Published

2023-05-02

How To Cite

APA: Berlianty, T., Akyuwen, R.J., & Tas’an, D.P. (2023). Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic. Batulis Civil Law Review, 4(1), 67-85. DOI: https://doi.org/10.47268/ballrev.v4i1.1497.

IEEE: T. Berlianty, R.J. Akyuwen, and D.P. Tas’an, "Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic", Batulis Civ. Law Rev., vol. 4, no. 1, pp. 67-85, May. 2023. Accessed on: Apr. 19, 2025. [Online]. Available DOI: https://doi.org/10.47268/ballrev.v4i1.1497

Harvard: Berlianty, T., Akyuwen, R.J., and Tas’an, D.P., (2023). "Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic". Batulis Civil Law Review, Volume 4(1), pp. 67-85. [Online]. Available DOI: https://doi.org/10.47268/ballrev.v4i1.1497 (Accessed on: 19 April 2025)

Chicago: Berlianty, Teng, Rory Jeff Akyuwen, and Darma Perdana Tas’an. "Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic." Batulis Civil Law Review 4, no. 1 (May 2, 2023): 67-85. Accessed April 19, 2025. doi:10.47268/ballrev.v4i1.1497

Vancouver: Berlianty T, Akyuwen RJ, Tas’an DP. Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic. Batulis Civ. Law Rev. [Internet]. 2023 May 2 [cited 2025 Apr 19];4(1):67-85. Available from: https://doi.org/10.47268/ballrev.v4i1.1497

MLA 8th: Berlianty, Teng, Rory Jeff Akyuwen, and Darma Perdana Tas’an. "Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic." Batulis Civil Law Review, vol. 4, no. 1, 2 May. 2023, pp. 67-85, doi:10.47268/ballrev.v4i1.1497. Accessed 19 Apr. 2025.

BibTeX:

@article{BALLREV1497,
		author = {Teng Berlianty and Rory Akyuwen and Darma Tas’an},
		title = {Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic},
		journal = {Batulis Civil Law Review},
		volume = {4},
		number = {1},
		year = {2023},
		keywords = {Restructuring; Credit Agreement; Debitors of Micro; Small and Medium},
		abstract = {The presence of the corona virus or coronavirus disease 2019 (Covid-19) has an impact on all aspects of human life, including in the fields of financial institutions and banking. The aim of this research is to examine the legal protection for debtors of Micro, Small and Medium Enterprises due to the Covid-19 pandemic in Ambon City, as well as the criteria for debtors of Micro, Small and Medium Enterprises who meet the credit restructuring requirements due to the Covid-19 pandemic. The method used in this study is a normative juridical method with a statutory approach and a conceptual approach. The legal materials studied consisted of primary legal materials, secondary legal materials, and tertiary legal materials through literature studies which were then analyzed qualitatively. Results of the Research, he implementation of credit agreements between banking institutions and debtors of Micro, Small and Medium Enterprises in Ambon City due to the Covid-19 pandemic is affected by the Covid-19 pandemic. Legal protection is carried out based on government policies through credit restructuring efforts for debtors who have difficulty fulfilling their obligations, which are carried out among others by reducing credit interest rates, extending credit terms, reducing loan interest arrears, reducing loan principal arrears, adding credit facilities. The criteria for debtors of Micro, Small and Medium business debtors who meet the requirements for credit restructuring due to the Covid-19 pandemic consist of 2 main criteria, namely the business of the debtor is indeed affected by the Covid-19 pandemic, and also the debtor's good faith in paying off credit installments.},
				issn = {2746-8151},		pages = {67--85}			doi = {10.47268/ballrev.v4i1.1497},
				url = {https://fhukum.unpatti.ac.id/jurnal/ballrev/article/view/1497}
		}

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Dublin Core		PKP Metadata Items	Metadata for this Document

1.	Title	Title of document	Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic

2.	Creator	Author's name, affiliation, country	Teng Berlianty; Faculty of Law Pattimura University, Ambon; Indonesia

2.	Creator	Author's name, affiliation, country	Rory Jeff Akyuwen; Faculty of Law Pattimura University, Ambon; Indonesia

2.	Creator	Author's name, affiliation, country	Darma Perdana Tas’an; Faculty of Law Pattimura University, Ambon; Indonesia

3.	Subject	Discipline(s)

3.	Subject	Keyword(s)	Restructuring; Credit Agreement; Debitors of Micro; Small and Medium

4.	Description	Abstract	The presence of the corona virus or coronavirus disease 2019 (Covid-19) has an impact on all aspects of human life, including in the fields of financial institutions and banking. The aim of this research is to examine the legal protection for debtors of Micro, Small and Medium Enterprises due to the Covid-19 pandemic in Ambon City, as well as the criteria for debtors of Micro, Small and Medium Enterprises who meet the credit restructuring requirements due to the Covid-19 pandemic. The method used in this study is a normative juridical method with a statutory approach and a conceptual approach. The legal materials studied consisted of primary legal materials, secondary legal materials, and tertiary legal materials through literature studies which were then analyzed qualitatively. Results of the Research, he implementation of credit agreements between banking institutions and debtors of Micro, Small and Medium Enterprises in Ambon City due to the Covid-19 pandemic is affected by the Covid-19 pandemic. Legal protection is carried out based on government policies through credit restructuring efforts for debtors who have difficulty fulfilling their obligations, which are carried out among others by reducing credit interest rates, extending credit terms, reducing loan interest arrears, reducing loan principal arrears, adding credit facilities. The criteria for debtors of Micro, Small and Medium business debtors who meet the requirements for credit restructuring due to the Covid-19 pandemic consist of 2 main criteria, namely the business of the debtor is indeed affected by the Covid-19 pandemic, and also the debtor's good faith in paying off credit installments.

5.	Publisher	Organizing agency, location	Faculty of Law, Universitas Pattimura

6.	Contributor	Sponsor(s)	Faculty of Law Pattimura University, Ambon

7.	Date	(YYYY-MM-DD)	2023-05-02

8.	Type	Status & genre	Peer-reviewed Article

8.	Type	Type

9.	Format	File format	PDF

10.	Identifier	Uniform Resource Identifier	https://fhukum.unpatti.ac.id/jurnal/ballrev/article/view/1497

10.	Identifier	Digital Object Identifier	10.47268/ballrev.v4i1.1497

11.	Source	Title; vol., no. (year)	Batulis Civil Law Review; Vol 4, No 1 (2023): VOLUME 4 ISSUE 1, MAY 2023

12.	Language	English=en	en

13.	Relation	Supp. Files

14.	Coverage	Geo-spatial location, chronological period, research sample (gender, age, etc.)

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