SOSIALISASI HUKUM BAGI MASYARAKAT MENGENAI PEMENUHAN KEWAJIBAN KREDIT SELAMA MASA PANDEMI COVID-19
| Main Authors: | D.Y. Utami, P., G.P. Yustiawan, D., A.S. Utari, A., T.L. Hadjon, E. |
|---|---|
| Format: | Article info application/pdf eJournal |
| Bahasa: | eng |
| Terbitan: |
Lembaga Penelitian dan Pengabdian kepada Masyarakat
, 2023
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| Online Access: |
https://ojs.unud.ac.id/index.php/jum/article/view/93419 https://ojs.unud.ac.id/index.php/jum/article/view/93419/47977 |
Daftar Isi:
- During the COVID-19 pandemic, there were legal problems experienced by the public regarding ignorance of the existence of a credit restructuring program from the government to deal with non-performing loans during the COVID-19 pandemic and a lack of understanding regarding the relative nature of force majeure from the COVID-19 pandemic which did not eliminate credit obligations, but only suspended through relief on credit restructuring efforts. The activity is located in Satra Village, Klungkung Regency. This community service activity aims to provide understanding for people of Satra Village who have non performing loan credit during the COVID-19 pandemic. Considering that the COVID-19 pandemic has greatly affected the economic level of the community, this activity also aims to provide an understanding for the people of Satra Village, that during the COVID-19 pandemic the banks will not immediately execute collateral objects when credit problems occur, but the community can be given payment relief through efforts credit restructuring.The implementation of service activities is carried out by providing in-depth socialization, discussion and question and answer so that the goals of community service activities can be achieved very well. The results of this activity indicate that the activity was carried out very effectively, as evidenced by the enthusiasm of the respondents who are the general public, village administrators and BUMDES administrators in Satra Village in listening to the presentation of the service team. Keywords: Socialization, non performing loan, restructurization, COVID-19.
- Selama masa pandemi COVID-19, terdapat permasalahan hukum yang dialami masyarakat mengenai ketidaktahuan akan adanya program restrukturisasi kredit dari pemerintah guna menangani kredit bermasalah serta kurangnya pemahaman mengenai sifat force majeure relative dari pandemi COVID-19 yang tidak menghapuskan kewajiban kredit, melainkan hanya bersifat menangguhkan melalui keringanan-keringanan pada upaya restrukturisasi kredit. Kegiatan berlokasi di Desa Satra, Kabupaten Klungkung. Tujuan dari kegiatan pengabdian kepada masyarakat ini ialah untuk memberikan pemahaman bagi masyarakat Desa Satra yang memiliki kredit bermasalah selama masa pandemi COVID-19 agar tetap berusaha dalam menjalankan pembayaran kewajiban kredit pada lembaga perbankan. Mengingat terjadinya pandemi COVID-19 sangat mempengaruhi tingkat perekonomian masyarakat, kegiatan ini juga bertujuan untuk memberikan pemahaman kepada masyarakat Desa Satra bahwa selama masa pandemi COVID-19 pihak perbankan tidak akan serta merta melakukan eksekusi terhadap benda jaminan ketika terjadi kredit bermasalah, melainkan masyarakat dapat diberikan keringanan pembayaran melalui upaya restrukturisasi kredit. Pelaksanaan kegiatan pengabdian dilakukan dengan memberikan sosialisasi, diskusi serta tanya jawab dengan mendalam sehingga sasaran kegiatan pengabdian dapat tercapai dengan sangat baik. Hasil kegiatan ini menunjukkan bahwa kegiatan sangat efektif dilakukan, yang terbukti dari antusiasnya responden yang merupakan masyarakat umum, pengurus desa dan pengurus BUMDES di Desa Satra dalam menyimak pemaparan tim pengabdi. Kata Kunci : Sosialisasi Hukum, Kredit Macet, Restrukturisasi, COVID-19.