Restrukturisasi Pembiayaan Kendaraan Bermotor bagi Debitur yang Terdampak Pandemi Covid 19 di PT ITC Finance

Abstract

Merebaknya virus corona pada awal tahun 2020 di Indonesia tentunya menjadi tantangan dan pergejolakan bagi pelaku bisnis atau pengusaha di Indonesia termasuk mengenai Lembaga Pembiayaan Non Bak seperti dealer mobil atau leasing yang wajib fokus kepada pergantian atau formulasi ulang tujuan organisasi yang mulai tak menentu arahnya dikarenakan banyaknya angsuran kredit yang macet. Sehingga perusahaan pembiayaan membutuhkan penerapan melalui restrukturisasi pembiayaan di tengah-tengah pandemi virus corona. Penelitian ini bertujuan untuk mengetahui bagaimana aturan hukum mengenai menata ulang bentuk pembiayaan kendaraan bermotor di pandemi Covid-19 pada lembaga pembiayaan nonbank, untuk mengetahui mekanisme pemberian kredit pada lembaga pembiayaan kendaraan bermotor di PT. ITC Finance, dan bagaimana penerapan restrukturisasi pembiayaan kendaraan bermotor sebagai upaya mengatasi kredit macet di pandemi Covid-19 pada Lembaga Pembiayaan Nonbank di PT. ITC Finance. Jenis riset ini ialah penelitian yuridis empiris dengan sifat penelitian deskriptif analisis yakni berupa wawancara mendalam. Pendekatan penelitian yang digunakan adalah pendekatan kualitatif. Teknik pengumpulan data pada penelitian ini dilakukan dengan studi pustaka, wawancara dan penelitian kelapangan. Analisis data dalam riset ini adalah analisis data kualitatif.Hasil penelitian membuktikan jika aturan hukum mengenai restrukturisasi pembiayaan nonbank kendaraan bermotor di masa pandemi Covid-19 terdapat pada Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 14/POJK.05/2020 hal Kebijakan Countercyclical Akibat Peluasan Corona Virus Disease 2019 di Lembaga Jasa Keuangan NonBank. Penerapan restrukturisasi pembiayaan kendaraan bermotor selaku usaha mengatasi kredit macet di era Covid-19 pada Lembaga Pembiayaan Nonbank di PT. ITC Finance dilakukan dengan dua cara yaitu restrukturisasi akan diberikan berupa keringanan pembayaran angsuran kredit dengan cara memperpanjang durasi kredit dan dengan cara potongan angsuran perbulan. The outbreak of the corona virus at the beginning of 2020 in Indonesia was of course challenges and upheavals for business people or entrepreneurs in Indonesia including regarding non-financing institutions such as car dealers or leasing that must focus on changing or reformulating organizational goals which began to have an uncertain direction due to the large number of credit installments congested. So finance companies need implementation through financing restructuring amidst the coronavirus pandemic. This research The aim is to find out what the legal regulations regarding restructuring are forms of motor vehicle financing during the Covid-19 pandemic in institutions non-bank financing, to find out the mechanism for providing credit to motor vehicle financing institution at PT. ITC Finance, and how implementation of motor vehicle financing restructuring as an effort overcoming bad credit during the Covid-19 pandemic in Nonbank Financing Institutions at PT. ITC Finance. This type of research is empirical juridical research with characteristics descriptive analysis research in the form of in-depth interviews. Approach The research used is a qualitative approach. Data collection technique This research was carried out using literature study, interviews and research spaciousness. Data analysis in this research is qualitative data analysis. Results Research proves that legal regulations regarding financing restructuring non-banking of motorized vehicles during the Covid-19 pandemic is contained in the Regulations Financial Services Authority of the Republic of Indonesia Number 14/POJK.05/2020 p Countercyclical Policy Due to the Expansion of Corona Virus Disease 2019 in Non-Bank Financial Services Institutions. Implementation of financing restructuring motorized vehicles as an effort to overcome bad credit in the Covid-19 era on Nonbank Financing Institution at PT. ITC Finance is done in two ways namely restructuring will be provided in the form of relief from credit installment payments by extending the credit duration and by reducing installments per month.