IMPLIKASI KEBIJAKAN RELAKSASI KREDIT OLEH OJK SELAMA PANDEMI COVID-19 DENGAN DAMPAK BAGI BANK

Olinda  Viviani; Febri  Jaya

doi:10.56338/mlj.v6i2.2316

Olinda Viviani Universitas Internasional Batam
Febri Jaya Universitas Internasional Batam

DOI: https://doi.org/10.56338/mlj.v6i2.2316

Keywords: Credit Relaxation. Pandemic. Bank

Abstract

Early March 2020, there were more than 100,000 confirmed cases of the Coronavirus
Disease 2019 (Covid-19) outbreak in 114 countries with a total death toll of more than 4,000
cases. The development of the spread of COVID-19 has a direct or indirect impact on the
performance and capacity of Debtors, including Micro, Small, Medium Enterprises (MSMEs),
in fulfilling credit or financing payment obligations, thus potentially disrupting banking
performance and financial system stability which can affect economic growth. Therefore, to
encourage the optimization of the banking intermediation function, maintain financial system
stability, and support economic growth, an economic stimulus policy is needed as a
countercyclical impact of the spread of COVID-19. The policies implemented for the
pandemic conditions had an impact on banks in their implications for bank performance. The
problem approach used in this research is the legal approach (Statue Approach) examining
regulations or regulations related to the legal issues under study

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