ABSTRAK

Marcellina Dwita Ayu Lukita Wardhani. 2018. PENERAPAN KEBIJAKAN RESTRUKTURISASI KREDIT DI MASA PANDEMI COVID-19 DALAM KAITANNYA DENGAN PRUDENTIAL BANKING PRINCIPLE. Penulisan Hukum (Skripsi). Fakultas Hukum Universitas Sebelas Maret.

Penelitian hukum ini dilakukan untuk mengkaji 2 (dua) pokok permasalahan, yaitu mengetahui penerapan kebijakan restrukturisasi kredit perbankan di masa pandemi Covid-19 dalam kaitannya dengan prudential banking principle dan akibat diberlakukannya kebijakan restrukturisasi kredit pada masa pandemi Covid-19 bagi tingkat kesehatan perbankan. Jenis penelitian hukum ini adalah normatif atau kepustakaan, dengan sifat penelitian preskriptif. Pendekatan penelitian yang digunakan adalah dengan pendekatan perundang-undangan (statute approach). Penelitian hukum ini bersumber dari bahan hukum primer dan bahan hukum sekunder dengan menggunakan Teknik pengumpulan bahan hukum studi dokumen atau studi kepustakaan (library research). Bahan hukum dianalisis menggunakan metode deduktif. Hasil penelitian ini ialah bahwa untuk mengatasi ketidakstabilan perekonomian nasional di masa pandemi Covid-19 maka dikeluarkanlah kebijakan restrukturisasi kredit perbankan oleh pemerintah melalui Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 48/POJK.03/2020 tentang Perubahan Atas Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2020 tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019, yang mana dalam pelaksanaannya berkaitan erat dengan prinsip kehati-hatian (prudential banking principle). Penerapan kebijakan restrukturisasi kredit perbankan di masa pandemi Covid-19 berakibat pada penurunan beberapa faktor penilaian tingkat kesehatan perbankan, sejalan dengan penurunan tingkat kesehatan perbankan.

ABSTRACT

Marcellina Dwita Ayu Lukita Wardhani. 2018. IMPLEMENTATION OF CREDIT RESTRUCTURING REGULATION DURING PANDEMIC COVID-19 IN RELATION TO THE PRUDENTIAL BANKING PRINCIPLE. Legal Writing. Law Faculty of Sebelas Maret University.

This legal research will describe 2 (two) main problems, these are the implementation of banking credit restructuring regulation during the pandemic Covid-19 in relation to the prudential banking principle and the impact of the implementation of credit restructuring regulation during the pandemic Covid-19 for banking soundness rating assessment system. This type of legal research is normative or bibliographic, with the nature of prescriptive research. The research approach used is the statutory approach. This legal research is sourced from primary legal materials and secondary legal materials using the technique of collecting legal materials for document studies or library research. This legal research were analyzed using deductive methods. The results of this study are that in order to overcome the instability of the national economy during the pandemic, the Covid-19 government issued a banking credit restructuring regulation through the Financial Services Authority Regulation of the Republic of Indonesia Number 48/POJK.03/2020 concerning Amendments to the Financial Services Authority Regulation Number 11/POJK. 03/2020 concerning National Economic Stimulus as a Regulation for the Countercyclical Impact of the Spread of Coronavirus Disease 2019, which in its implementation is closely related to the prudential banking principle. The implementation of the banking credit restructuring regulation during the pandemic Covid-19 resulted in a decrease in several factors of banking soundness rating assessment system, in line with the banking soundness rating assessment system.

Keywords : Banking Soundness Rating Assessment System; Credit Restructuring; Prudential Banking Principles; Regulation