Dampak Pandemi Covid 19 Terhadap Pemenuhan Perjanjian Utang Piutang Berdasarkan Kitab Undang-undang Hukum Perdata Pada PT. Bank Riau Kepri Kedai Marpoyan Pekanbaru

Nursyah, Amalia Rizki (2022) Dampak Pandemi Covid 19 Terhadap Pemenuhan Perjanjian Utang Piutang Berdasarkan Kitab Undang-undang Hukum Perdata Pada PT. Bank Riau Kepri Kedai Marpoyan Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

This study aims to determine the impact of the covid 19 pandemic on the fulfillment of debt agreements at PT. Bank Riau Kepri Kedai Marpoyan Pekanbaru, that with the Corona Virus Disease 2019 (Covid 19) pandemic which has implications for accounts payable agreements that result in the implementation of achievements in the agreement between creditors and debtors being hampered, delayed or cannot be carried out at all because the object of the agreement does not work smoothly. Through Presidential Decree No. 12 of 2020, the Indonesian government stipulates that: "Coronavirus Disease 2019 (Covid 19) is a National Disaster, which has had a negative impact on all aspects of people's lives". The main problem contained in this study is how the impact of the covid 19 pandemic on the fulfillment of debt agreements based on the Civil Code at PT. Bank Riau Kepri Kedai Marpoyan Pekanbaru and how to settle loans affected by the COVID-19 pandemic at PT. Bank Riau Kepri Kedai Marpoyan Pekanbaru. The author uses sociological or empirical legal research methods, namely direct research to the research location using data collection tools in the form of observations, interviews, and questionnaires. The nature of this research is descriptive, that is, it provides a clear and detailed description of an incident that occurred regarding the settlement of bad loans affected by the COVID-19 pandemic at PT. Bank Riau Kepri Kedai Marpoyan Pekanbaru. Based on the results of this study, it is known that the impact of the COVID-19 pandemic has had a major impact on debtors in fulfilling debt agreements which resulted in delayed payments and bank defaults. Regarding the settlement of loans affected by the COVID-19 pandemic carried out by PT. Bank Riau Kepri Kedai Marpoyan Pekanbaru is a credit restructuring policy carried out, among others, by reducing credit interest rates, extending credit terms, reducing loan interest arrears, reducing loan principal arrears, adding credit facilities, and credit conventions as temporary capital investments.

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