scholarly journals Tanggung Gugat Konsumen Gagal Bayar dalam Perjanjian Pembiayaan Konsumen Akibat Pandemi Corona Virus Disease 2019 (Covid-19)

2021 ◽  
Vol 4 (3) ◽  
pp. 1167
Author(s):  
Sugeng Andrean
Keyword(s):  
Virus Disease ◽  
Consumer Finance ◽  
Economic Sector ◽  
Legal Research ◽  
Corona Virus ◽  
Force Majeure ◽  
Presidential Decree ◽  
National Disaster ◽  
The Impact

AbstractThroughout 2020 until earlier 2021 world is hit by pandemic known as the COVID-19 pandemic. Many sectors have the impact of this pandemic, one of which is the economic sector, especially consumer financing institutions. In Indonesia the COVID-19 pandemic has been designated as a non-natural national disaster through Presidential Decree No. 12/2020 (hereinafter referred to as Keppres 12/2020). Consumer or debitor at consumer finance companies argue that this Presidential Decree 12/2020 can be used as an excuse for force majeure so that contracts that have been made can be misled or canceled. For this reason, researchers conducted legal research to find answers to whether the COVID-19 pandemic could be used as an excuse force majeure in consumer financing contracts. In addition, researchers will also examine what legal measures can be made by consumers who fail to pay due to the COVID-19 pandemic for determining defaults in financing companies. Keywords: COVID-19 Pandemic; Force Majeure; Consumer Financing Restructuring.AbstrakSepanjang tahun 2020 hingga awal tahun 2021 ini dunia tengah dilanda pandemi virus yang dikenal dengan sebutan pandemi COVID-19. Banyak sektor mengalami dampak dengan adanya pandemi ini, salah satunya adalah sektor ekonomi khususnya lembaga pembiayaan konsumen. Di Indonesia pandemi COVID-19 telah ditetapkan sebagai bencana nasional non alam melalui Keputusan Presiden Nomor 12 Tahun 2020 (selanjutnya disebut Keppres 12/2020). Konsumen atau debitur pada perusahaan pembiayaan konsumen mendalihkan bahwa Keppres 12/2020 ini dapat dijadikan alasan force majeure sehingga kontrak yang telah dibuat dapat disimpangi atau dibatalkan. Untuk itu peneliti melakukan penelitian hukum guna menemukan jawaban apakah pandemi COVID-19 dapat dijadikan alasan force majeure dalam kontrak pembiayaan konsumen. selain itu, peneliti juga akan menelaah upaya hukum apa yang dapat dilakukan konsumen gagal bayar akibat pandemi COVID-19 atas penetapan wanprestasi pada perusahaan pembiayaanKata Kunci: Pandemi COVID-19; Force Majeure; Restrukturisasi Pembiayaan.

scholarly journals ANALISIS YURIDIS TERHADAP KEBIJAKAN PEMERINTAH MENGENAI PENANGANAN PANDEMI VIRUS CORONA DISEASE 2019 (COVID-19) DI INDONESIA

2021 ◽  
Vol 6 (2) ◽  
pp. 46-58
Author(s):  
Anwar Hidayat ◽  
Budiman
Keyword(s):  
Research Method ◽  
Large Scale ◽  
Social Impact ◽  
Virus Disease ◽  
Legal Research ◽  
Conceptual Approach ◽  
Corona Virus ◽  
The Republic ◽  
The Government ◽  
The Impact

Perkembangan pandemi Covid-19 saat ini sangat mengkhawatirkan dimana terjadinya suatupeningkatan kasus corona khusus di Indonesia. Penelitian ini bertujuan untuk mengetahuidan menganalisis kebijakan yang diambil pemerintah dalam penanganan pandemi Covid-19serta langkah-langkah yang diambil pemerintah untuk menganggulangi dampak-dampak, terutama dampak dari segi ekonomi dan sosial akibat pandemi Covid-19. Metode penelitianhukum yang digunakan yakni metode penelitian hukum normatif. Adapun pendekatan yangdigunakan dalam penelitian ini adalah pendekatan perundang-undangan dan pendekatankonseptual. Penelitian ini berlandaskan pengaturan perundang-undangan yang mengaturmengenai penanganan dan penganggulangan pandemi Covid-19 serta analisis atas konseppenetapan peraturan perundang-undangan tersebut. Hasil dari penelitian ini adalah dalamrangka penanganan Covid-19, berawal dari pemerintah tmengeluarkan kebijakan tentangPembatasan Sosial Berskala Besar yang merujuk pada Undang-Undang Nomor 6 Tahun2018 tentang Kekarantinaan Kesehatan. Peraturan pelaksanaannya yaitu PeraturanPemerintah Nomor 21 Tahun 2020 tentang Pembatasan Sosial Berskala Besar, sertaKeputusan Presiden tentang Kedaruratan Kesehatan sampai dengan saat ini pemerintah telahmengeluarkan kebijakan PPKM yang dimana dilakukan secara berkala. Untukmenganggulangi dampak Covid-19 dari segi ekonomi dan sosial pemerintah mengambilbeberapa kebijakan-kebijakan, yang diantaranya adalah: Peraturan Menteri KeuanganRepublik Indonesia Nomor 23/Pmk.03/2020 tentang Insentif Pajak Untuk WajibPajakTerdampak Wabah Virus Corona; Peraturan Otoritas Jasa Keuangan Republik Indonesia Kata Kunci : Kebijakan, Penanganan, Covid-19 The current development of the Covid-19 pandemic is very worrying where there is anincrease in special corona cases in Indonesia. This study aims to identify and analyze thepolicies taken by the government in handling the Covid-19 pandemic and the steps taken bythe government to mitigate the impacts, especially the economic and social impacts of theCovid-19 pandemic. The legal research method used is the normative legal research method. The approach used in this research is a statutory approach and a conceptual approach. Thisresearch is based on the legislation governing the handling and handling of the Covid-19pandemic as well as an analysis of the concept of establishing these laws and regulations. The results of this study are in the context of handling Covid-19, starting with thegovernment issuing a policy on Large-Scale Social Restrictions which refers to Law Number6 of 2018 concerning Health Quarantine. The implementing regulations are GovernmentRegulation Number 21 of 2020 concerning Large-Scale Social Restrictions, as well as thePresidential Decree on Health Emergencies. Until now, the government has issued a PPKMpolicy which is carried out regularly. To address the economic and social impact of Covid- 19, the government has taken several policies, including: Regulation of the Minister ofFinance of the Republic of Indonesia Number 23/Pmk.03/2020 concerning Tax Incentives forTaxpayers Af ected by the Corona Virus Outbreak; Regulation of the Financial ServicesAuthority of the Republic of Indonesia Number 11 /Pojk.03/2020 concerning NationalEconomic Stimulus as a Countercyclical Policy for the Impact of the Spread of Corona VirusDisease2019; and Instruction of the President of the Republic of Indonesia Number 4 of2020 concerning Refocussing of Activities, Reallocation of Budgets, and Procurement ofGoods and Services in the Context of Accelerating Handling of Corona Virus Disease 2019(Covid-19). Keyword : Policy, Handling, Covid-19

scholarly journals Eksistensi Perjanjian Ditengah Pandemi Covid-19

2020 ◽  
Vol 1 (1) ◽  
pp. 33
Author(s):  
Kunarso Kunarso ◽  
A Djoko Sumaryanto
Keyword(s):  
Research Method ◽  
Virus Disease ◽  
Human Life ◽  
Large Population ◽  
The State ◽  
Legal Research ◽  
Conceptual Approach ◽  
Corona Virus ◽  
Force Majeure ◽  
The World

Corona Virus Disease-19 (COVID-19) has a significant impact on all aspects of human life in the world, especially in Indonesia which is very large in area and has a large population (around 267 million people) with different kinds of professions. The purpose of this study is to focus on civil matters, with more emphasis on the problem of agreements that are influenced by Covid-19. The normative legal research method uses a statutory approach, and a conceptual approach to force majeure and describes an analysis (analytical descriptive). The results showed that the agreement in the state of the Covid-19 outbreak greatly influenced the implementation of the agreement set and agreed upon by the parties, because the agreement binds the parties, so the parties are subject to the contents of the agreement.

scholarly journals Akibat Hukum Pandemi Covid-19 sebagai Bencana Non Alam Medis dalam Menetapkan Force Majeure di Indonesia

Kosmik Hukum ◽  
2021 ◽  
Vol 21 (1) ◽  
pp. 1
Author(s):  
Peni Jati Setyowati
Keyword(s):  
Legal Rights ◽  
Legal Research ◽  
Specific Context ◽  
Breach Of Contract ◽  
Legal Relationship ◽  
Global Pandemic ◽  
Force Majeure ◽  
Private Entity ◽  
National Disaster ◽  
The Impact

A contract forms a private entity between the parties involved, herein each party has the legal rights to demand the implementation or fulfillment of all elements contained in the contract. However, such legal relationship through the contract does not always fulfil the expectation and purpose. This might occur because the involved parties have committed breach of contract / default. Such condition can occur and be done by both parties because of coercion, error, fraud, or force majeure. In a more specific context, there are several causes of force majeure. The current condition of global pandemic of covid-19, including in Indonesia, has affected the implementation of an ongoing contract between involved parties becomes disrupted, even can result in null or not fulfilled the goals in the contract. Therefore, it is important for contract parties to understand more deeply about force majeure in responding to the latest condition. This normative legal research is intended to find out how the impact of the covid-19 pandemic on the force majeure clause of the contracts in Indonesia.Keywords: national disaster, covid-19, Indonesia, force majeure 

scholarly journals Keabsahan Klausula Perpanjangan Periode dalam Restrukturisasi Kredit Akibat Pandemi Covid-19

Notaire ◽  
2021 ◽  
Vol 4 (2) ◽  
pp. 313
Author(s):  
Tamara Teguh
Keyword(s):  
Natural Disaster ◽  
Financial Services ◽  
Virus Disease ◽  
Human Life ◽  
Loan Repayment ◽  
Corona Virus ◽  
Presidential Decree ◽  
The Republic ◽  
The Government ◽  
The Impact

The Corona Virus Disease 2019 (COVID-19) outbreak was determined by the President as a non-natural disaster through Presidential Decree Number 12 of 2020 concerning the Designation of Non-Natural Disaster for the Spread of Corona Virus Disease 2019 (COVID-19) as a National Disaster. Its rapid spread has an impact on all aspects of human life, especially in the economic sector, many business actors have suffered losses and a number of banks are experiencing credit risk, which debtors or customers are unable to make credit installments on the pretext of being affected by the pandemic. The Presidential Decree cannot automatically cancel existing agreements, so that the Government makes policies in order to stimulate economic growth. This policy was issued by the Financial Services Authority through Regulation of the Financial Services Authority of the Republic of Indonesia Number 11/POJK.03/2020 concerning National Economic Stimulus as a Countercyclical Policy on the Impact of the Spread of Corona Virus Disease 2019 which has been extended by the Financial Services Authority Regulation of the Republic of Indonesia Number 48/POJK.03/2020 as an effort to avoid default. The debtor is given loan repayment relief at the Bank or Leasing with terms determined by the Bank. This payment relief is known as credit restructuring, which there is a renegotiation process to change existing loans. One of the changes in the agreement is by rescheduling, namely extending the installment payment period. Keywords: COVID-19 Disease Outbreak; Credit Restructuring; Rescheduling.Wabah penyakit Corona Virus Disease 2019 (COVID-19) ditetapkan oleh Presiden sebagai bencana non alam melalui Keputusan Presiden Republik Indonesia Nomor 12 Tahun 2020 Tentang Penetapan Bencana Non Alam Penyebaran Corona Virus Disease 2019 (COVID-19) Sebagai Bencana Nasional. Penyebarannya yang begitu pesat berdampak pada segala aspek kehidupan manusia terutama di bidang ekonomi, banyak pelaku usaha yang mengalami kerugian dan sejumlah perbankan mengalami risiko kredit, dimana debitur atau nasabah tidak mampu untuk melakukan pembayaran cicilan kredit dengan dalih terkena dampak pandemi. Dengan adanya Keputusan Presiden itu tidak dapat serta merta membatalkan perjanjian yang sudah ada, sehingga Pemerintah membuat kebijakan dalam rangka menstimulus pertumbuhan ekonomi. Kebijakan tersebut dikeluarkan oleh Otoritas Jasa Keuangan melalui Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11/POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Corona Virus Disease 2019 yang telah diperpanjang dengan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 48/POJK.03/2020 sebagai upaya agar tidak terjadinya wanprestasi. Debitur diberikan keringanan pembayaran cicilan pinjaman di Bank atau Leasing dengan persyaratan-persyaratan yang ditentukan oleh Bank. Keringanan pembayaran ini dikenal dengan restrukturisasi kredit, dimana terdapat proses renegosiasi atau negosiasi ulang untuk merubah perjanjian kredit yang sudah ada. Perubahan perjanjian tersebut salah satunya ialah dengan penjadwalan kembali atau rescheduling, yaitu memperpanjang periode pembayaran cicilan.Kata Kunci: Wabah Penyakit COVID-19; Restrukturisasi Kredit; Penjadwalan Kembali.

scholarly journals Legal Aspect of an Agreement Cancellation in the State of Majeure Force during the Pandemic Covid-19

2021 ◽  
Vol 4 (2) ◽  
pp. 2541-2550
Author(s):  
Mifta Hulzannah ◽  
Sriono Sriono ◽  
Elviana Sagala
Keyword(s):  
Virus Disease ◽  
Legal Aspect ◽  
Civil Code ◽  
Director General ◽  
Corona Virus ◽  
Force Majeure ◽  
Presidential Decree ◽  
The Status ◽  
Written Form ◽  
The Government

Many parties can cancel an agreement or contract during the Covid-19 pandemic in Indonesia. WHO Director General, Tedros Adhanom Ghebreyesus determined the status of Corona Virus Disease 2019 (Covid-19) as a Pandemic This happened because the government issued Presidential Decree No. 12 of 2020 concerning the Determination of Disaster in the Spread of Corona Virus Disease 2019 (COVID-19) as a National Disaster. The covid-19 pandemic falls into the force majeure category or a state of force because it causes the economic sector to experience a decline. The community cannot do work as usual, all activities carried out are very limited. A contract is an agreement made by the parties in written form. An agreement is an act that binds one or more people to one or more people. This event resulted in a legal relationship between the parties, which included rights and obligations. Circumstances compel or force majeure may be earthquakes, fires, floods, landslides, wars, military coups, embargoes, epidemics, and so forth. In the time of the corona pandemic which is currently hitting all parts of the world, of course, it has an impact on the implementation of an agreement / contract. The purpose of this paper is to examine the force majeure in an agreement that occurs during the corona virus pandemic, which cannot automatically be used as a reason for cancellation of an agreement / contract, but can be used as a way to negotiate in canceling or changing the contents of the agreement / contract. The contract / agreement is canceled unilaterally without regard to the sense of justice, in accordance with Article 1338 paragraph (1) of the Civil Code, it is stated that the contract is a law for the parties. So the cancellation of the contract with due regard to aspects in the law and Article 1338 paragraph (1) of the Civil Code cannot be carried out in a covid-19 pandemic force majeure situation. The parties are required to carry out good faith in accordance with Article 1338 of the Civil Code by reviewing the agreement / contract or renegotiating by adding a contract clause to postpone carrying out obligations.  

scholarly journals Pengulangan Tindak Pidana oleh Narapidana Pasca Asimilasi dan Integrasi pada Masa Pandemi Covid-19

2021 ◽  
Vol 4 (3) ◽  
pp. 1203
Author(s):  
Wardah Qurni Nabilah
Keyword(s):  
Human Rights ◽  
Natural Disaster ◽  
Virus Disease ◽  
Community Services ◽  
Detention Centers ◽  
Corona Virus ◽  
Presidential Decree ◽  
The Republic ◽  
National Disaster

AbstractWith the stipulation of Corona Virus Disease 2019 (Covid-19) as a national disaster through Presidential Decree (Keppres) of the Republic of Indonesia Number 12 of 2020 concerning the Determination of Non-Natural Disaster for the Spread of Corona Virus Disease 2019 (Covid-19) as a National Disaster, Minister of Law and Rights Human Rights conducts one of the efforts to prevent the transmission of covid-19 in prisons, detention centers and special guidance institutions for children by ratifying policies related to assimilation and integration for prisoners and children, this policy is then added to a system of guidance and guidance as well as supervision by the Correctional Center through Supervisors Community services carried out online with the aim that the prisoner does not commit a criminal act again, but this provision is not accompanied by stricter sanctions against inmates who commit repeated crimes, this is evidenced by the increase in criminality which then causes asked in the community regarding the effectiveness of the programKeywords: Assimilation and Integration; Covid-19; Repetition of Criminal Acts.AbstrakDengan ditetapkannya Corona Virus Disease 2019 (Covid-19) sebagai bencana nasional melalui Keputusan Presiden (Keppres) Republik Indonesia Nomor 12 Tahun 2020 tentang Penetapan Bencana Non-Alam Penyebaran Corona Virus Disease 2019 (Covid-19) Menteri Hukum dan Hak Asasi Manusia melakukan salah satu upaya pencegahan penularan covid-19 di lembaga pemasyarakatan, rumah tahanan dan lembaga pembinaan khusus anak dengan mengesahkan kebijakan terkait asimilasi dan integrasi bagi narapidana dan anak, kebijakan tersebut kemudian ditambah dengan sistem pembinaan dan pembimbingan serta pengawasan oleh Balai Pemasyarakatan melalui Pembimbing Kemasyarakatan yang dilakukan secara daring dengan tujuan agar narapidana tidak melakukan perbuatan tindak pidana lagi ,namun ketentuan tersebut tidak dibarengi dengan sanksi yang lebih tegas terhadap narapidana yang melakukan pengulangan tindak pidana, hal tersebut dibuktikan dengan meningkatnya kriminalitas yang kemudian menimbulkan tanya di masyarakat terkait keefektifan program tersebut. Kata Kunci: Asimilasi dan Integrasi; Covid-19; Pengulangan Tindak Pidana.

Hospitalitas Kristen Yang Hampir Hilang Pada Kasus Kematian Salah Satu Anggota Masyarakat Di Dusun Beringin, Luwu Utara, Sulawesi Selatan Akibat Covid-19

2021 ◽  
Author(s):  
desna rura sarapang
Keyword(s):  
Virus Disease ◽  
Social Distancing ◽  
Indonesian Government ◽  
Risk Of Death ◽  
The Earth ◽  
Corona Virus ◽  
The World ◽  
Global World ◽  
The Impact ◽  
Christian Hospitality

The emergence of a new virus in the global world at the end of 2019, namely Corona Virus Disease 2019, brought tremendous excitement to all inhabitants of the earth. The emergence of this virus brings tremendous concern and fear to the world because the spread of this virus is quite fast, even the most frightening is that the risk of death of people exposed to this virus is very large. Indonesia itself, cannot avoid the impact of this Covid-19 case. As a form of efforts to prevent and minimize transmission of the virus, the Indonesian government has issued a social distancing / physical distancing recommendation. This situation also causes the interaction between communities to be very limited. This situation seems to be able to eliminate hospitality among the community. This paper aims to emphasize the importance of maintaining the value of Christian hospitality in society amid the Covid-19 pandemic.

scholarly journals The Effectiveness of Using Blended Learning with Google Classroom and Zoom Media on Students' Understanding

2021 ◽  
Vol 2 (2) ◽  
pp. 99
Author(s):  
Wasti Reviandani
Keyword(s):  
Blended Learning ◽  
Learning Process ◽  
Quantitative Research ◽  
Teaching And Learning ◽  
Virus Disease ◽  
Direct Interaction ◽  
Analysis Tool ◽  
Teaching Activities ◽  
Corona Virus ◽  
The Impact

The teaching and learning process is the core of education. Everything that has been programmed will be carried out in the teaching and learning process where interaction and involvement is needed between educators and students with materials as the medium. Teaching activities at the strata 1 level involve educators called lecturers and students called students. In general, teaching activities are carried out offline, which involves direct interaction between lecturers and students. At the beginning of 2021, rumors began to appear that there was a global disaster of the Corona Virus Disease (COVID-19) pandemic, which initially Indonesia considered that the Corona virus was impossible to enter Indonesia. However, the development of the virus is so fast. Indonesia finally announced in early March 2021 as a country experiencing the impact of the global disaster due to the COVID -19 pandemic. This study wants to find out how effective it is to use blended learning by using google classroom and zoom to improve the understanding of FEB students at Muhammadiyah University of Gresik. This research is a quantitative research using causal clause relationship, using SPSS version 23.0 analysis tool. The results obtained from this study are that the Google Classroom and Zoom applications partially and simultaneously have a significant positive effect on student understanding.

scholarly journals MERINTANGI PENGUBURAN JENAZAH COVID-19 DITINJAU BERDASARKAN PASAL 178 KITAB UNDANG-UNDANG HUKUM PIDANA

LEGALITAS ◽  
2021 ◽  
Vol 5 (2) ◽  
pp. 104
Author(s):  
Muhammad Rezky Rinaldy Dan Syamsudin
Keyword(s):  
Law Enforcement ◽  
Research Method ◽  
Criminal Code ◽  
The Body ◽  
Legal Research ◽  
Corona Virus ◽  
The World ◽  
Law Enforcement Officials ◽  
The Impact

Indonesia and even the world now feel the impact of the Corona virus outbreak (covid-19), in connection with it hindering the burial of the bodies of victims who died. The phenomenon of corpse rejection of corona virus patients (covid-19) continues to occur in various regions. In fact, the body must be buried immediately no later than 4 hours after being declared dead. The main reason people are reluctant to accept the bodies of patients co-19 because of fear of contracting. While the medical ensure that the body will not transmit the virus. The body in the coffin has been wrapped and declared sterile. The type of research used in this study is the type of normative legal research, which is a legal research method that uses a statutory approachThe results of the study showed that obstructing officers who will carry out official burials could indeed be convicted. Law enforcement officials can use Article 178 of the Criminal Code. not a complaint offense. Law enforcement officials can immediately take action without anyone complaining. "If the incident fulfills the elements contained in Article 178 of the Criminal Code, the perpetrators can be charged. However, it must look at intentions and actions as a condition for imposing a crime on someone.

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