Legal Certainty Of Credit Agreement After Credit Restructuration By Businessmen That Affected By Covid-19

The Indonesian economy has weakned due to the Covid-19 outbreak. In practice, to develop a business, businessmen need large funds for that, so not a few businessmen need credit agreements. But with the Covid-19, new problems arise, namely non-performing loan or bad credit. So the bank do credit rescue by means of credit restructuration. The concrete purpose of a credit resuce is to save the bnk as creditor and businessmen as debtor. Therefore, this research was conducted to determine the existence of the initial agreement after the rescue of credit in the form of credit restructuration and whether the creditors and debtors have received their rights and obligations equally. This reserach is a normative juriical research with data from from primary and secondary elgal materaials as well as cases related to bad credit due to Covid-19. Results of research indicate that the legal force of the credit agreement after the credit restructuration could not be said to be fully strong. Due to there are still differences in the regulations of each creditor. Between debtors and creditors have not received equal legal protection