Analisis Kebijakan Penundaan Pembayaran Kewajiban Hutang Masa Pandemi COVID-19
Abstract
The purpose of this study is to examine how the policy of delaying payment of debt obligations during the COVID-19 pandemic. The research method used is juridical normative with the statutory approach. Delaying debt and bankruptcy obligations is a solution to the economic problem for business owners but this has a less good impact on debtors. The government issued a restructuring policy in order to assist debtors and creditors during the COVID-19 Pandemic. One of the policies issued is installment restructuring. Use monitors the application, POJK No. is issued. 11/POJK. 03/2020. OJK oversees the bank to provide information. Midway through 2020, participating banks had 96 conventional banks including sharia. There are 5.33 million debtors worth Rp.517.2 Trillion, as well as 4.55 Million with Small and Medium Micro Business debtors ( MSM ) worth Rp.250.65 Trillion. The non-bank financial industry also participated in as many as 183 financing industries with 2.4 Million with amounts valued at Rp.75.08 Trillion. If it is compared to the pattern of accounts receivable debt regulated by POJK No.11/POJK.03/2020, the more profitable for debtors, cause financial restructuring is intervened by the state by distributing interest assistance to debtors The conclusion of this study is the policy of delaying the debt repayment obligation set by the government to solve economic problems for business owners and less good impact on debtors.
Keywords: debt; delay of payment; procrastination policy
Abstrak
Tujuan penelitian ini untuk mengkaji bagaimana kebijakan penundaan pembayaran kewajiban hutang pada masa pandemi COVID-19. Metode penelitian yang gunakan ialah yuridis normative dengan tata cara pendekatan perundang-undangan. Penundaan kewajiban pembayaran hutang serta kepailitan menjadi pemecahan masalah perekonomian bagi para pemilik usaha tetapi hal ini berdampak kurang baik untuk debitur. Pemerintah mengeluarkan kebijakan restrukturisasi dalam rangka membantu debitur dan kreditur pada masa Pandemi COVID-19. Salah satu kebijakan yang dikeluarkan yaitu restrukturisasi angsuran. Guna memantau penerapan itu, maka dikeluarkan POJK No. 11/POJK. 03/ 2020. OJK mengawasi bank buat memberikan informasi. Pertengahan tahun 2020, perbankan yang ikut serta terdapat 96 bank konvensional termasuk syariah. Ada 5,33 juta debitur senilai Rp.517,2 Triliun, serta 4,55 Juta dengan debitur Usaha Mikro Kecil dan Menengah (UMKM) senilai Rp.250,65 Triliun. Industri finansial non bank pun mengikuti berpartisipasi yaitu sebanyak 183 industri pembiayaan dengan 2,4 Juta dengan jumlah senilai Rp.75,08 Triliun. Apabila dibanding dengan pola penindakan hutang piutang yang diatur oleh POJK No.11/POJK.03/2020, semakin profitabel untuk debitur, sebab restrukturisasi keuangan diintervensi oleh negara dengan membagikan bantuan bunga kepada debitur Kesimpulan penelitian ini yaitu kebijakan penundaan kewajiban penundaan pembayaran hutang yang ditetapkan oleh pemerintah menjadi pemecahan masalah perekonomian bagi para pemilik usaha dan berdampak kurang baik untuk debitur.
Kata kunci: hutang; kebijakan penundaan; penundaan pembayaran
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