?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=ANALISIS+PENERAPAN+PERATURAN+OTORITAS+JASA+KEUANGAN%0D%0ANOMOR+11%2FPOJK.03%2F2020+PADA+PERJANJIAN+KREDIT+BANK%0D%0A(Studi+Pada+PT.+Bank+Lampung%2C+KCP+Menggala)&rft.creator=AKBAR+TRI+MAHENDRA%2C+1712011206&rft.subject=340+Ilmu+hukum&rft.description=Pandemi+Covid-19+berdampak+kepada+ekonomi+di+Indonesia+khususnya+sektor%0D%0AUsaha+Mikro+Kecil+Menengah.+Untuk+mencegah+menurunnya+ekonomi%0D%0Apemerintah+melalui+Otoritas+Jasa+Keuangan+menerbitkan+POJK+Nomor%0D%0A11%2FPOJK.03%2F2020+Tentang+Stimulus+Perekonomian+Nasional+Sebagai+Kebijakan%0D%0ACountercylical+Dampak+Penyebaran+Corona+Virus+Disease+2019.+Tujuan+dari%0D%0Apenelitian+ini+adalah+untuk+mengetahui+penerapan+POJK+Nomor%0D%0A11%2FPOJK.03%2F2020+serta+melihat+hambatan-hambatan+pada+penerapannya+di+PT.%0D%0ABank+Lampung+KCP+Menggala.%0D%0AJenis+penelitian+ini+adalah+penelitian+hukum+normatif+empiris+dengan+tipe%0D%0Apenelitian+deskriptif.+Data+yang+digunakan+dalam+penlitian+ini+adalah+data+primer%0D%0Ayang+didapatkan+melalui+wawancara+dari+lokasi+penelitian+dan+data+sekunder+yang%0D%0Aterdiri+dari+bahan+hukum+primer%2C+bahan+hukum+sekunder+dan+bahan+hukum+tersier%0D%0Ayang+akan+memberikan+petunjuk+maupun+penjelasan+terhadap+bahan+hukum%0D%0Aprimer+dan+bahan+hukum+sekunder+yang+kemudian+dianalisis+kualitatif.%0D%0AHasil+Penelitian+dan+pembahasan+ini+bahwa+PT.+Bank+Lampung%2C+KCP+Menggala%0D%0Asetelah+berlakunya+POJK+Nomor+11%2FPOJK.03%2F2020+mengeluarkan+kebijakan%0D%0Arestrukturisasi+yaitu+berbentuk+restrukturisasi+kredit+berupa+penundaan%0D%0Apembayaran+pokok+atau+penundaan+pembayaran+bunga+sesuai+analisa+kelayakan%0D%0Apemberian+resturkturisasi+yang+dinilai+oleh+bank.+Namun%2C+dalam+penerapannya%0D%0Abelum+sepenuhnya+bisa+terlaksana+dengan+baik%2C+karena+ada+beberapa+hambatan%0D%0Ayang+membuat+pelaksanannya+menjadi+terhambat+seperti+beberapa+debitur%0D%0Amenganggap+bahwa+relaksasi+kredit+ini+berlaku+otomatis+tanpa+adanya+pengajuan%0D%0Apermohonan+relaksasi+terlebih+dahulu%2C+padahal+kebijakan+ini+mewajibkan+debitur%0D%0Amengajukan+permohonan+relaksasi+kredit.+Terlebih+bank+juga+harus+tetap%0D%0Amenerapkan+prinsip+kehati-hatian%2C+hasil+identifikasi+dan+analisis+bank+atas+kinerja%0D%0Akeuangan+debitur+yang+terdampak+Covid-19.%0D%0AKata+Kunci+%3A+Restrukturisasi+Kredit%2C+Perbankan%2C+Covid-19%0D%0AThe+Covid-19+pandemic+has+had+an+impact+on+the+economy+in+Indonesia%2C%0D%0Aespecially+the+Small+Medium+Enterprise+sector.+To+prevent+economic+decline%2C+the%0D%0Agovernment+through+the+Financial+Services+Authority+issued+POJK+Number%0D%0A11%2FPOJK.03%2F2020+Concerning+National+Economic+Stimulus+as+a+Countercyclical%0D%0APolicy+Impact+of+the+Spread+of+Corona+Virus+Disease+2019.+The+purpose+of+this%0D%0Astudy+is+to+find+out+how+the+implementation+of+POJK+Number+11%2FPOJK.03%2F+2020%0D%0Aand+see+if+there+are+any+obstacles+in+its+implementation+at+PT.+Bank+Lampung%0D%0AKCP+Menggala.%0D%0AThis+type+of+research+is+an+empirical+normative+legal+research+with+a+descriptive%0D%0Atype+of+research.+The+data+used+in+this+study+are+primary+data+obtained+through%0D%0Ainterviews+from+the+research+location+and+secondary+data+consisting+of+primary%0D%0Alegal+materials%2C+secondary+legal+materials+and+tertiary+legal+materials+which+will%0D%0Aprovide+instructions+and+explanations+for+primary+legal+materials+and+secondary%0D%0Alegal+materials+which+are+then+analyzed.+qualitative.%0D%0AThe+results+of+this+research+and+discussion+that+PT.+Bank+Lampung%2C+KCP%0D%0AMenggala+after+the+enactment+of+POJK+Number+11%2FPOJK.03%2F2020+issued+a%0D%0Arestructuring+policy+in+the+form+of+credit+restructuring+in+the+form+of+delaying%0D%0Aprincipal+payments+or+delaying+interest+payments+in+accordance+with+a+feasibility%0D%0Aanalysis+of+granting+a+restructuring+which+was+assessed+by+the+bank.+However%2C+in%0D%0Aits+implementation+it+has+not+been+fully+implemented+properly%2C+because+there+are%0D%0Aseveral+obstacles+that+hinder+its+implementation%2C+such+as+some+debtors+assuming%0D%0Athat+this+credit+relaxation+applies+automatically+without+submitting+an+application%0D%0Afor+relaxation+first%2C+even+though+this+policy+requires+debtors+to+apply+for+credit%0D%0Arelaxation.+Moreover%2C+banks+must+also+continue+to+apply+the+precautionary%0D%0Aprinciple%2C+the+results+of+bank+identification+and+analysis+on+the+financial%0D%0Aperformance+of+debtors+affected+by+Covid-19.%0D%0AKeywords%3A+Credit+Restructuring%2C+Banking%2C+Covid-19&rft.publisher=FAKULTAS+HUKUM&rft.date=2021&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F61893%2F1%2F1.%2520ASBTRAK-ABSTRACT%2520-%2520AKBAR%2520TM.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F61893%2F2%2F2.%2520SKRIPSI%2520FULL%2520-%2520AKBAR%2520TM.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F61893%2F3%2F3.%2520SKRIPSI%2520TANPA%2520BAB%2520PEMBAHASAN%2520-%2520AKBAR%2520TM.pdf&rft.identifie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