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

Merry Tjoanda(1email), Yosia Hetharie(2), Marselo Valentino Geovani Pariela(3), Ronald Fadly Sopamena(4)


(1) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
(2) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
(3) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
(4) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
email Corresponding Author
CrossMark

Abstract


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.

Keywords


Covid-19; Overmacht; Credit Agreement


DOI


10.47268/sasi.v27i1.447

Published


2021-03-25

How To Cite


APA: Tjoanda, M., Hetharie, Y., Pariela, M.V., & Sopamena, R.F. (2021). Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit. SASI, 27(1), 93-101. DOI: https://doi.org/10.47268/sasi.v27i1.447.
IEEE: M. Tjoanda, Y. Hetharie, M.V. Pariela, and R.F. Sopamena, "Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit", SASI, vol. 27, no. 1, pp. 93-101, Mar. 2021. Accessed on: Apr. 24, 2025. [Online]. Available DOI: https://doi.org/10.47268/sasi.v27i1.447
Harvard: Tjoanda, M., Hetharie, Y., Pariela, M.V., and Sopamena, R.F., (2021). "Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit". SASI, Volume 27(1), pp. 93-101. [Online]. Available DOI: https://doi.org/10.47268/sasi.v27i1.447 (Accessed on: 24 April 2025)
Chicago: Tjoanda, Merry, Yosia Hetharie, Marselo Valentino Geovani Pariela, and Ronald Fadly Sopamena. "Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit." SASI 27, no. 1 (March 24, 2021): 93-101. Accessed April 24, 2025. doi:10.47268/sasi.v27i1.447
Vancouver: Tjoanda M, Hetharie Y, Pariela MV, Sopamena RF. Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit. SASI [Internet]. 2021 Mar 25 [cited 2025 Apr 24];27(1):93-101. Available from: https://doi.org/10.47268/sasi.v27i1.447
MLA 8th: Tjoanda, Merry, Yosia Hetharie, Marselo Valentino Geovani Pariela, and Ronald Fadly Sopamena. "Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit." SASI, vol. 27, no. 1, 24 Mar. 2021, pp. 93-101, doi:10.47268/sasi.v27i1.447. Accessed 24 Apr. 2025.
BibTeX:
@article{SASI447,
		author = {Merry Tjoanda and Yosia Hetharie and Marselo Pariela and Ronald Sopamena},
		title = {Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit},
		journal = {SASI},
		volume = {27},
		number = {1},
		year = {2021},
		keywords = {Covid-19; Overmacht; Credit Agreement},
		abstract = {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.},
				issn = {2614-2961},		pages = {93--101}			doi = {10.47268/sasi.v27i1.447},
				url = {https://fhukum.unpatti.ac.id/jurnal/sasi/article/view/447}
		}
		
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[7] Limpele, Mariana Mogot. (2017). Perjanjian Kredit Dengan Jaminan Hak Milik Atas Tanah dan Bangunan Pada Bank Tabungan Negara Cabang Manado Menurut UU Nomor 4 Tahun 1996 tentang Hak Tanggungan, Lex Crime, 6 (2),44-49.

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Dublin Core PKP Metadata Items Metadata for this Document
 
1. Title Title of document Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit
 
2. Creator Author's name, affiliation, country Merry Tjoanda; Fakultas Hukum Universitas Pattimura, Ambon; Indonesia
 
2. Creator Author's name, affiliation, country Yosia Hetharie; Fakultas Hukum Universitas Pattimura, Ambon; Indonesia
 
2. Creator Author's name, affiliation, country Marselo Valentino Geovani Pariela; Fakultas Hukum Universitas Pattimura, Ambon; Indonesia
 
2. Creator Author's name, affiliation, country Ronald Fadly Sopamena; Fakultas Hukum Universitas Pattimura, Ambon; Indonesia
 
3. Subject Discipline(s)
 
3. Subject Keyword(s) Covid-19; Overmacht; Credit Agreement
 
4. Description Abstract 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.
 
5. Publisher Organizing agency, location Faculty of Law, Universitas Pattimura
 
6. Contributor Sponsor(s)
 
7. Date (YYYY-MM-DD) 2021-03-25
 
8. Type Status & genre Peer-reviewed Article
 
8. Type Type
 
9. Format File format PDF, XML
 
10. Identifier Uniform Resource Identifier https://fhukum.unpatti.ac.id/jurnal/sasi/article/view/447
 
10. Identifier Digital Object Identifier 10.47268/sasi.v27i1.447
 
11. Source Title; vol., no. (year) SASI; Vol 27, No 1 (2021): Volume 27 Nomor 1, Januari - Maret 2021
 
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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Copyright (c) 2021 Merry Tjoanda, Yosia Hetharie, Marselo Valentino Geovani Pariela, Ronald Fadly Sopamena

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

 

Cited-By:

 

1. Bank Credit Restructuring for Micro, Small and Medium Enterprises Due to the Covid-19 Pandemic
Teng Berlianty, Rory Jeff Akyuwen, Darma Perdana Tas’an
Batulis Civil Law Review  vol: 4  issue: 1  first page: 67  year: 2023  
Type: Journal [View Source]

 

2. Tanggung Jawab Penjual Terhadap Pembeli Terkait Jual Beli Online Dengan Sistem Pre Order
Alif Adnan Hisbollah, Merry Tjoanda, Agustina Balik
TATOHI: Jurnal Ilmu Hukum  vol: 4  issue: 4  first page: 252  year: 2024  
Type: Journal [View Source]

 

3. Kekuatan Hukum MoU Dari Segi Hukum Perjanjian
Ronald Fadly Sopamena
Batulis Civil Law Review  vol: 2  issue: 1  first page: 1  year: 2021  
Type: Journal [View Source]

 

4. Pandemi Covid-19 Sebagai Bentuk Overmacht Terjadinya Wanprestasi Kredit di Bank
Yansen Mual, Merry Tjoanda, Marselo Valentino Geovani Pariela
TATOHI: Jurnal Ilmu Hukum  vol: 3  issue: 9  first page: 888  year: 2023  
Type: Journal [View Source]

 

5. Public Legal Awareness of the Importance of Covid-19 Vaccination in Southeast Maluku Regency
Yosia Hetharie, Patrick Corputty
SASI  vol: 27  issue: 4  first page: 456  year: 2021  
Type: Journal [View Source]

 

6. Default in The Profit Sharing Agreement Between the State Government and Petuanan Areas
Marselo Valentino Geovani Pariela, Merry Tjoanda, Ronald Fadly Sopamena
SASI  vol: 27  issue: 4  first page: 444  year: 2021  
Type: Journal [View Source]

 

7. Penyelesaian Hukum Terhadap Nasabah Lembaga Keuangan Bukan Bank Yang Terdampak Pandemi Covid-19
Merlin Clara Waremra, Teng Berlianty, Marselo Valentino Geovani Pariela
TATOHI: Jurnal Ilmu Hukum  vol: 4  issue: 6  first page: 466  year: 2024  
Type: Journal [View Source]

 

8. Covid -19 Sebagai Alasan Pemutusan Hubungan Kerja
Jihan Ainun Mardian Septyawati, Merry Tjoanda, Sarah Selfina Kuahaty
TATOHI: Jurnal Ilmu Hukum  vol: 3  issue: 3  first page: 249  year: 2023  
Type: Journal [View Source]

 

9. Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online
Meyske Adriani Metanila, Theresia Louize Pesulima, Marselo Valentino Geovani Pariela
TATOHI: Jurnal Ilmu Hukum  vol: 3  issue: 11  first page: 1109  year: 2024  
Type: Journal [View Source]