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

Merry Tjoanda; Yosia Hetharie; Marselo Valentino Geovani Pariela; Ronald Fadly Sopamena

doi:10.47268/sasi.v27i1.447

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

Merry Tjoanda⁽¹⁾, 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

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: Feb. 8, 2026. [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: 8 February 2026)

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 February 8, 2026. 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 2026 Feb 8];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 8 Feb. 2026.

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}
		}

RefWorks:

Citation format: Download Citation:

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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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