PELAKSANAAN KONSEP RESTRUKTURISASI KREDIT PADA LEMBAGA BANK DAN NON BANK (STUDI PADA KCP BCA SYARIAH BOGOR DAN PT PEGADAIAN (PERSERO) BOGOR)
Abstract
Abstract
This study aims to identify and understand the implementation mechanism of the credit restructuring concept in Bank and Non-Bank Institutions. The study regarding the implementation of the credit restructuring concept in the two financial institutions has differences that will lead to legal problems which will be investigated by the author. The method used in this research is the normative juridical method focused on positive legal research studies based on regulations, journals, and books relating to loan restructuring. The results showed that there was credit restructuring due to the spread of Coronavirus Disease which causes economic activity in Indonesia to be hampered, making it difficult for debtors to pay credit to the two financial institutions. In the end, the Financial Services Authority (OJK) issued Regulation Number 11/POJK.03/2020 concerning the National Economic Stimulus as a Countercyclical Policy on the Impact of the Spread of Coronavirus Disease 2019 for Bank Institutions and Regulation of the Financial Services Authority of the Republic of Indonesia Number 14/POJK.05/2020 concerning Countercyclical Policy Impact of Coronavirus Disease 2019 Spread for Nonbank Financial Services Institutions. Where the policies regarding credit restructuring in the two regulations create conflicts in implementation in Bank Institutions and Non-Bank Institutions because there are derivatives in the POJK, namely implementing regulations related to administrative costs set by creditors after receiving requests for credit restructuring against debtors.
Keywords: banking; loan restructuring; non banking
Abstrak
Penelitian ini memiliki tujuan untuk mengetahui dan memahami mekanisme pelaksanaan konsep restrukturisasi kredit yang dilakukan di Lembaga Bank dan Lembaga Non Bank. Kajian mengenai pelaksanaan konsep restrukturisasi kredit di kedua lembaga keuangan tersebut memiliki perbedaan sehingga nantinya menimbulkan permasalahan hukum yang akan diteliti oleh penulis. Metode yang dipakai dalam penelitian ini ialah metode yuridis normatif yang difokuskan terhadap kajian penelitian hukum positif berdasarkan peraturan – peraturan, jurnal – jurnal, dan buku – buku yang berkenaan dengan restrukturisasi kredit. Hasil penelitian menunjukkan bahwa adanya restrukturisasi kredit dikarenakan terdapat penyebaran Coronavirus Disease yang menyebabkan aktivitas perekonomian di Indonesia menjadi terhambat sehingga membuat debitur kesulitan dalam membayar kredit kepada kedua lembaga keuangan tersebut. Pada akhirnya, Otoritas Jasa Keuangan (OJK) mengeluarkan Peraturan Nomor 11/POJK.03/2020 mengenai Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019 bagi Lembaga Bank serta Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 14 /POJK.05/2020 mengenai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019 Bagi Lembaga Jasa Keuangan Nonbank. Dimana kebijakan mengenai restruturisasi kredit dalam kedua regulasi tersebut menimbulkan perbedaan dalam pelaksanaan di Lembaga Bank dan Lembaga Non Bank dikarenakan terdapat turunan dalam POJK tersebut yakni peraturan pelaksanaan yang berkaitan dengan biaya administrasi yang ditetapkan kreditur setelah diterimanya permohonan restrukturisasi kredit terhadap debitur.
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