Implementasi POJK no. 14/5/ 2020 tentang kebijakan countercyclical dampak penyebaran Covid 19 bagi lembaga jasa keuangan nonbank: Studi kasus di Mandiri Utama Finance Kota Malang

INDONESIA: Restrukturisasi kredit, merupakan salah satu bentuk usaha pemerintah untuk memberikan stimulus dan pemulihan ekonomi yang di awali dengan PP No 1 2020 tentang relaksasi kredit yang di tandatangani oleh presiden kita, Akibat dari pandemi covid 19 yang kemudian dilanjutkan oleh POJK No 14/5/2020 peraturan ini bermaksud untuk memberikan stimulus dan Pemulihan Ekonomi Nasional, yang mana dalam penelitian ini penulis melaksanakannya di Mandiri Utama Finance Kota Malang. Penelitian ini bertujuan untuk mengetahui sejauh mana implementasi dan praktek POJK No 14/5/2020 tentang restrukturisasi kredit di lembaga keauangan nonbank, menggunakan pendekatan yuridis sosiologis. Metode pengumpulan data yang di gunakan melalui wawancara kepada kedua sisi kreditur maupun debitur,dan Mandiri Utama Finance Memiliki 3 program restrukturisasi diantaranya: Ekstend tenor yang mana nasabah hanya membayar bunga selama 3 bulan, Grace Period dimana nasabah hanya membayar bunga selama 6,9 bahkan 12 bulan sesuai perjanjian, Holiday Payment dimana nasabah tidak membayar cicilan pokok maupun bunga selama jangka waktu yang disetujui kedua belah pihak. Secara keseluruhan program restrukturisasi kredit yang ada di Mandiri Utama Finance sesuai dengan anjuran dari POJK No 14/5/2020 Tentang Restrkturisasi Kredit, serta sesuai dengan KUH Perdata dan KHES dikarenakan adanya Overmacht relatif dan Forge majeur temporer/keadaan memaksa dikarenakan Covid-19 merupakan keadaan memaksa yang dialami oleh kebanyakan orang, namun dengan adanya vaksin diharapkan akan memulihkan berbagai lini kehidupan, dan di Mandiri Utama Finance melalui ketiga programnya sudah melaksanakan anjuran dari POJK 14/5/2020 juga pelaksaan restrukturisasi menurut KUH Perdata dan KHES adalah sah karena tidak menyalahi dari ketentuan ketentuan yang ada. ENGLISH: Credit restructuring is a form of government effort to provide economic stimulus and recovery, which began with PP No.1 2020 concerning credit relaxation signed by our president, As a result of the Covid 19 pandemic which affects various levels of society, it has an impact on various aspects of life Health, Economy, Education and others and problems that arise in the economic sector are the existence of bad credit or Non-Performing Loans (NPL) with the government's quick steps to issue regulations through OJK with POJK No. 11/3/2020 and then updated with POJK No. 48/3/2020 this regulation intends to provide stimulus and National Economic Recovery, which in this study the authors carry out in Mandiri Utama Finance Malang City. The purpose of this study is to determine the extent to which the implementation and practice of POJK No. 48/2020 concerning credit restructuring, how is the appropriateness of its implementation using a sociological juridical approach. Data collection methods are used through interviews with both creditors and debtors along with document studies looking at contracts and analyzed using the Civil Code and the Compilation of Sharia Economic Law as a legal benchmark in Indonesia. As for the affected parties such as: Provision of accommodation and provision of food and beverages, Agriculture, Forestry and Fisheries, Arts, Entertainment, Recreation, bridal makeup, and many more. Overall the credit restructuring program at Mandiri Utama Finance, starting from submitting applications to contracts according to the recommendation of POJK No. 48 concerning Credit Restructuring and also customers feel helped by the credit restructuring program and in accordance with the Civil Code and the Compilation of Sharia Economic Law due to the relative Overmacht and temporary Forge Majeur/forced circumstances because covid 19 is a coercive situation experienced by most people. However, the vaccine is expected to restore various lines of life, and Mandiri Utama Finance uses a new contract for the credit restructuring program which contains customer data and vehicle data, the remaining tenor, monthly installments and new remaining tenors, and installments new, and adjust the restructuring program that can be. And several statements regarding restructuring