Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19

Arham Rays Tuanaya; Sarah Selfina Kuahaty; Marselo Valentino Geovani Pariela

doi:10.47268/tatohi.v2i11.1450

Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19

Arham Rays Tuanaya⁽¹⁾, Sarah Selfina Kuahaty⁽²⁾, Marselo Valentino Geovani Pariela⁽³⁾

(1) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
(2) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
(3) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
email

Corresponding Author

Abstract

Introduction: This credit restructuring can be carried out on loans or financing provided before or after debtors are affected by the spread of the corona virus disease 2019 (COVID-19) including micro, small and medium business debtors.

Purposes of the Research: The purpose of this study was to find out how the procedure for implementing credit restructuring during the COVID-19 pandemic and knowing what the legal consequences of implementing credit restructuring were in credit agreements.

Methods of the Research: The research method used is the normative legal research method. The problem approach used is the statutory approach, the conceptual approach. The legal materials used are primary legal materials and secondary legal materials. Procedures and Collection of Legal Materials using the method of inventorying laws and regulations and Processing and Analysis of legal materials using data analysis techniques with deductive logic.

Results of the Research: Based on the results of the study, it can be concluded that the legal consequences that occur from the implementation of credit restructuring are changes in the agreement between the bank as the creditor and the borrowing customer as the debtor in the rights and obligations of the parties in the credit agreement.

Keywords

Covid-19; Credit Agreement; Credit Restructuring

DOI

10.47268/tatohi.v2i11.1450

Published

2023-01-31

How To Cite

APA: Tuanaya, A.R., Kuahaty, S.S., & Pariela, M.V. (2023). Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19. TATOHI: Jurnal Ilmu Hukum, 2(11), 1120 – 1129. DOI: https://doi.org/10.47268/tatohi.v2i11.1450.

IEEE: A.R. Tuanaya, S.S. Kuahaty, and M.V. Pariela, "Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19", TATOHI J. Ilmu Huk., vol. 2, no. 11, pp. 1120 – 1129, Jan. 2023. Accessed on: Apr. 27, 2025. [Online]. Available DOI: https://doi.org/10.47268/tatohi.v2i11.1450

Harvard: Tuanaya, A.R., Kuahaty, S.S., and Pariela, M.V., (2023). "Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19". TATOHI: Jurnal Ilmu Hukum, Volume 2(11), pp. 1120 – 1129. [Online]. Available DOI: https://doi.org/10.47268/tatohi.v2i11.1450 (Accessed on: 27 April 2025)

Chicago: Tuanaya, Arham Rays, Sarah Selfina Kuahaty, and Marselo Valentino Geovani Pariela. "Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19." TATOHI: Jurnal Ilmu Hukum 2, no. 11 (January 31, 2023): 1120 – 1129. Accessed April 27, 2025. doi:10.47268/tatohi.v2i11.1450

Vancouver: Tuanaya AR, Kuahaty SS, Pariela MV. Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19. TATOHI J. Ilmu Huk. [Internet]. 2023 Jan 31 [cited 2025 Apr 27];2(11):1120 – 1129. Available from: https://doi.org/10.47268/tatohi.v2i11.1450

MLA 8th: Tuanaya, Arham Rays, Sarah Selfina Kuahaty, and Marselo Valentino Geovani Pariela. "Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19." TATOHI: Jurnal Ilmu Hukum, vol. 2, no. 11, 31 Jan. 2023, pp. 1120 – 1129, doi:10.47268/tatohi.v2i11.1450. Accessed 27 Apr. 2025.

BibTeX:

@article{TATOHI1450,
		author = {Arham Tuanaya and Sarah Kuahaty and Marselo Pariela},
		title = {Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19},
		journal = {TATOHI: Jurnal Ilmu Hukum},
		volume = {2},
		number = {11},
		year = {2023},
		keywords = {Covid-19; Credit Agreement; Credit Restructuring},
		abstract = {Introduction: This credit restructuring can be carried out on loans or financing provided before or after debtors are affected by the spread of the corona virus disease 2019 (COVID-19) including micro, small and medium business debtors.Purposes of the Research: The purpose of this study was to find out how the procedure for implementing credit restructuring during the COVID-19 pandemic and knowing what the legal consequences of implementing credit restructuring were in credit agreements. Methods of the Research: The research method used is the normative legal research method. The problem approach used is the statutory approach, the conceptual approach. The legal materials used are primary legal materials and secondary legal materials. Procedures and Collection of Legal Materials using the method of inventorying laws and regulations and Processing and Analysis of legal materials using data analysis techniques with deductive logic.Results of the Research: Based on the results of the study, it can be concluded that the legal consequences that occur from the implementation of credit restructuring are changes in the agreement between the bank as the creditor and the borrowing customer as the debtor in the rights and obligations of the parties in the credit agreement.},
				issn = {2775-619X},		pages = {1120--1129}			doi = {10.47268/tatohi.v2i11.1450},
				url = {https://fhukum.unpatti.ac.id/jurnal/tatohi/article/view/1450}
		}

RefWorks:

Citation format: Download Citation:

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Hermansyah, Hukum Perbankan Nasional Indonesia, Kencana Prenada, Jakarta, 2014.

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https://legalbanking.wordpress.com/materi-

Iswi Hariyani, Restrukturisasi dan Penghapusan Kredit Macet, Elex Media Komputindo, Jakarta, 2010.

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Pariela Marseli Valentino Geovani Covid-19 sebagai Bentuk Overmacht dan Akibat Hukumnya Terhadap Pelaksanaan Perjanjian Kredit, Jurnal Terakreditasi Nasional ISSN: 1693 -0061 I e- ISSN: 2614-2961 Vol 27, No 1 (2021): Volume 27 Nomor 1, Januari – Maret 2021.

R. Subekti, Hukum Perjanjian Cerakan Keenam, Intermasa, Jakarta 1979.

Restrukturisasi dan Recovery, (Restrukturisasi dan Recovery: Strategi Mengatasi Masalah Kredit dalam Perspektif Perbankan – Graduate Program. binus.ac.id), 8 Januari 2021.17:41.

S.Mantayborbir, Hukum Piutang dan Lelang Negara di Indonesia, et al, Medan, 2002.

Subandio Muchtar, Perjanjian Kredit Perbankan Suatu Tinjauan Yuridis, Eresco, Bandung, 2009.

Ucok Parulianth Simamora, Restrukturisasi Perjanjian Kredit Dalam Perhatian Khusus (Studi kasus pada Bank PT Bank BRI Tbk Cabang Bandar Jaya, Jurnal fakultas Hukum UNILA, 2017, Vol 1 No 1, h. 7-8.

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Dublin Core		PKP Metadata Items	Metadata for this Document

1.	Title	Title of document	Restrukturisasi Kredit Sebagai Solusi Bagi Debitur Terdampak Covid-19

2.	Creator	Author's name, affiliation, country	Arham Rays Tuanaya; Fakultas Hukum Universitas Pattimura, Ambon; Indonesia

2.	Creator	Author's name, affiliation, country	Sarah Selfina Kuahaty; Fakultas Hukum Universitas Pattimura, Ambon; Indonesia

2.	Creator	Author's name, affiliation, country	Marselo Valentino Geovani Pariela; Fakultas Hukum Universitas Pattimura, Ambon; Indonesia

3.	Subject	Discipline(s)

3.	Subject	Keyword(s)	Covid-19; Credit Agreement; Credit Restructuring

4.	Description	Abstract	Introduction: This credit restructuring can be carried out on loans or financing provided before or after debtors are affected by the spread of the corona virus disease 2019 (COVID-19) including micro, small and medium business debtors.Purposes of the Research: The purpose of this study was to find out how the procedure for implementing credit restructuring during the COVID-19 pandemic and knowing what the legal consequences of implementing credit restructuring were in credit agreements. Methods of the Research: The research method used is the normative legal research method. The problem approach used is the statutory approach, the conceptual approach. The legal materials used are primary legal materials and secondary legal materials. Procedures and Collection of Legal Materials using the method of inventorying laws and regulations and Processing and Analysis of legal materials using data analysis techniques with deductive logic.Results of the Research: Based on the results of the study, it can be concluded that the legal consequences that occur from the implementation of credit restructuring are changes in the agreement between the bank as the creditor and the borrowing customer as the debtor in the rights and obligations of the parties in the credit agreement.

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

6.	Contributor	Sponsor(s)

7.	Date	(YYYY-MM-DD)	2023-01-31

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/tatohi/article/view/1450

10.	Identifier	Digital Object Identifier	10.47268/tatohi.v2i11.1450

11.	Source	Title; vol., no. (year)	TATOHI: Jurnal Ilmu Hukum; Vol 2, No 11 (2023): Volume 2 Nomor 11, Januari 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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