PELAKSANAAN RESTRUKTURISASI KREDIT PADA MASA PANDEMI COVID-19 PADA BANK RAKYAT INDONESIA UNIT BUKIT BARISAN IMAM MUNANDAR PEKANBARU RIAU.
Abstract
The covid-19 pandemic in Indonesia has had many impact. One of them is
in the health sector in Indonesia and then in the economic sector in Indonesia.
One of the institutions affected by the Covid-19 pandemic is PT. Bank Rakyat
Indonesia, Tbk. According to it’s use, the bank distributes funds to the public in
the form of credit, the bank provides credit facilities. Although the analysis has
been carried out, there is no credit facility without risk. If the bank in providing
credit has seen a non performing loan, the bank must try to save the credit. In this
case, PT. Bank Rakyat Indonesia, Tbk seeks to be able to relaunch bad loans, so
that the recipient of the credit has the ability to repay both interest and credit. The
implementation of credit restructuring in accordance with POJK number
11/POJK.03/2020 can be given to debtors affected by the spread of Covid-19,
including UMKM debtors.
This research is uses empirical sociological research methods, because
the author directly conducts research at the research site to provide a complete
and clear picture of the problem under study. This research was conducted in PT.
Bank Rakyat Indonesia, Tbk Unit Bukit Barisan Imam Munandar Pekanbaru
Riau, while the population and sample are all parties, namely the bank Mr. Adi
Saputra, the OJK as the policy maker, one of them Mr. Yamin, and the customer is
Mr. Handoko. The data sources used are primary data, secondary data, and
tertiary data. The data collection techniques in this study was structured
interviews in the form of directly with the parties involved in the implementation
of credit restructuring during the Covid-19 pandemic.
The result of this study there are several things that can be concluded.
First, the implementation of credit restructuring during the Covid-19 pandemic at
PT. Bank Rakyat Indonesia, Tbk was carried out with a type of term extension,
namely interest payments only and delays in principal receivables. Second,
obstacles in the implementation of credit restructuring, namely in the negotiation
process where customers are not cooperative and the bank’s movement is limited
in conducting customer checking processes.
Keywords : Credit restructuring, Pandemic period
in the health sector in Indonesia and then in the economic sector in Indonesia.
One of the institutions affected by the Covid-19 pandemic is PT. Bank Rakyat
Indonesia, Tbk. According to it’s use, the bank distributes funds to the public in
the form of credit, the bank provides credit facilities. Although the analysis has
been carried out, there is no credit facility without risk. If the bank in providing
credit has seen a non performing loan, the bank must try to save the credit. In this
case, PT. Bank Rakyat Indonesia, Tbk seeks to be able to relaunch bad loans, so
that the recipient of the credit has the ability to repay both interest and credit. The
implementation of credit restructuring in accordance with POJK number
11/POJK.03/2020 can be given to debtors affected by the spread of Covid-19,
including UMKM debtors.
This research is uses empirical sociological research methods, because
the author directly conducts research at the research site to provide a complete
and clear picture of the problem under study. This research was conducted in PT.
Bank Rakyat Indonesia, Tbk Unit Bukit Barisan Imam Munandar Pekanbaru
Riau, while the population and sample are all parties, namely the bank Mr. Adi
Saputra, the OJK as the policy maker, one of them Mr. Yamin, and the customer is
Mr. Handoko. The data sources used are primary data, secondary data, and
tertiary data. The data collection techniques in this study was structured
interviews in the form of directly with the parties involved in the implementation
of credit restructuring during the Covid-19 pandemic.
The result of this study there are several things that can be concluded.
First, the implementation of credit restructuring during the Covid-19 pandemic at
PT. Bank Rakyat Indonesia, Tbk was carried out with a type of term extension,
namely interest payments only and delays in principal receivables. Second,
obstacles in the implementation of credit restructuring, namely in the negotiation
process where customers are not cooperative and the bank’s movement is limited
in conducting customer checking processes.
Keywords : Credit restructuring, Pandemic period
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