Impact of Covid-19 on Troubleshooting Loans in Practice of Village Credit Institutions
Abstract
This article analyzes the Impact of COVID19 on the Settlement of Non-performing Loans in the Practice of Village Credit Institutions. The focus of the study is on the dilemma faced by LPDs in Some Traditional Villages in Denpasar City in resolving non-performing loans in the era of the COVID19 pandemic. This problem is the focus of the study, because non-performing loans are a very frightening specter for communal financial institutions such as LPDs, even more so in the era of the COVID19 pandemic. If one takes legal action, it will certainly result in very dangerous for the survival of the LPD concerned. By using the method of providing professional services through discussions with LPD Management in Denpasar City Traditional Villages in resolving the impact of COVID19 on the settlement of non-performing loans in LPDs. Based on the results of interviews and discussions with LPD administrators throughout the city of Denpasar, it can be found that the LPD management in the era of the COVID19 pandemic in resolving non-performing loans is faced with a dilemma, namely on the one hand LPD has a special mission to help and encourage the economic development of traditional villages and improve the welfare of traditional village manners, but on the other hand, with the COVID19 pandemic, it turns out that credits channeled to fund borrowing customers (who are actually village manners themselves) have difficulty fulfilling their obligations to return credit installments as agreed in the credit agreement. In this position, the LPD Management is faced with between saving credit to maintain the health of the LPD’s operations, or by executing a guarantee (guarantee) which will certainly create suffering for the Krama Desa Adat itself. In this activity, a solution has been provided so that the settlement of non-performing loans faced by LPDs during the COVID19 Pandemic Era is resolved through the Principles of Balinese Customary Law. “Paras Paro, Gilik seguluk, Sarpaya ya sabayantakaâ€.
References
Ardiyati. (2018). Analisis Pemberdayaan Perempuan Melalui Simpan Pinjam Kelompok. Jurnal Ilmu Administrasi Publik, 6(1), 91–99.
Dewi, L. K., & Utami, P. D. Y. (2021). Penyelesaian Kredit Bermasalah Akibat Dampak Covid-19 Dengan Restrukturisasi Kredit (Studi di PT. BPR PADMA Denpasar). Jurnal Kertha Desa, 9(10).
Sjahdeini, S. R. (2009). Kebebasan berkontrak dan perlindungan yang seimbang bagi para pihak dalam perjanjian kredit bank di Indonesia. Pustaka Utama Grafiti.
Suartama, I. W., Sulindawati, N. L. G. E., & Herawati, N. T. (2017). Analisis Penerapan Restrukturisasi Kredit Dalam Upaya Penyelamatan Non Performing Loan (NPL) Pada PT BPR Nusamba Tegallalang. E-Journal S1 Ak Universitas Pendidikan Ganesha, 8(2). https://ejournal.undiksha.ac.id/index.php/S1ak/article/viewFile/10531/6730
Sukandia, I. N. (2019). Lembaga Perkreditan Desa Berbasis Masyarakat Hukum Adat Di Bali. CV Nusantara.
Sundarianingsih, P. (2014). Evaluasi Keberhasilan Lembaga Perkreditan Desa (LPD) dalam Menggerakkan Sosial Ekonomi Masyarakat Pedesaan (Studi pada Lembaga Perkreditan Desa (LPD) Desa Adat Pekutatan). Jurnal Ekomomi Pembangunan, 12(1).
Undang-Undang Nomor 10 Tahun 1998 Tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan
Undang-Undang Nomor 1 Tahun 2013 Tentang Lembaga Keuangan Mikro
Peraturan Daerah Provinsi Bali Nomor 3 tahun 2017 Tentang Lembaga Perkreditan Desa
Peraturan Daerah Provinsi Bali Nomor 4 tahun 2019 Tentang Desa Adat
Beberapa awig-awig Desa Adat di Kota Denpasar.
Abstract viewed = 71 times
PDF downloaded = 113 times
