scholarly journals Strengthening communities’ disaster resilience during COVID-19 time: A case of Muhammadiyah in Indonesia

Simulacra ◽  
2021 ◽  
Vol 4 (2) ◽  
pp. 229-245
Author(s):  
Umi Qodarsasi ◽  
Riza Nuzulul Huda ◽  
Umaroh Anisa Zuma
Keyword(s):  
Secondary Data ◽  
Strategic Decision ◽  
Primary Data ◽  
Disaster Resilience ◽  
Literature Study ◽  
Curative Action ◽  
The Government ◽  
Depth Interviews ◽  
Descriptive Method ◽  
Command Center

Since the early of March 2020, COVID-19 pandemic which broke out in Indonesia, had a significant impact on various aspects of life. The pandemic not only has pushed the government to take a strategic decision but also has forced the communities to accommodate this condition immediately. Muhammadiyah is one of Indonesia’s largest religious organizations has played its role to overcome COVID-19 pandemic alongside with the government. This study aims to determine the contribution of Muhammadiyah to tackle the pandemic by strengthening the disaster resilience community. The study uses a qualitative approach and a descriptive method. The primary data were obtained by in-depth interviews with Muhammadiyah organization leaders and several working teams handling the pandemic. Literature study was conducted as the secondary data. To tackle the pandemic by strengthening communities’ disaster resilience, Muhammadiyah carried out several programs, including (1) strengthening da’wah networks massively to enhance the community awareness about COVID-19 pandemic, (2) establishing several working teams handling the pandemic to enhance disaster resilience communities, including Muhammadiyah COVID-19 Command Center (MCCC), Muhammadiyah Disaster Management Center (MDMC), and philanthropic body of Muhammadiyah (LazisMu), and (3) Muhammadiyah engagement with stakeholders and development agency, such as the collaboration with the Ministry of Health, BNPB, DFAT and USAID to COVID-19 preventive and curative action.

scholarly journals MODEL OF ECONOMIC EMPOWERMENT AT COASTAL PEOPLE IN BANTEN PROVINCE: CASE STUDY IN LONTAR VILLAGE, TIRTAYASA DISTRICT, SERANG REGION AND CITEUREP VILLAGE, PANIMBANG DISTRICT, PANDEGLANG REGION

2018 ◽  
Vol 2 (1) ◽  
pp. 1-12
Author(s):  
Agus Sjafari ◽  
Kandung Sapto Nugroho ◽  
Arenawati Arenawati ◽  
Oki Otaviana ◽  
Guntur Fernanto
Keyword(s):  
Secondary Data ◽  
Coastal Communities ◽  
Primary Data ◽  
Economic Empowerment ◽  
Literature Study ◽  
Purposive Sampling ◽  
Empowerment Model ◽  
Qualitative Descriptive ◽  
The Government ◽  
The Village

ABSTRAK Penelitian ini bertujuan untuk menganalisis efektifitas kegiatan pemberdayaan ekonomi masyarakat pesisir yang telah dilakukan oleh pemerintah provinsi Banten, sehingga dapat mengetahui model pemberdayaan ekonomi paling efektif bagi masyarakat pesisir di Provinsi Banten. Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif, dengan lokasi penelitian di Desa Lontar Kecamatan Tirtayasa, Kabupaten Serang dan Desa Citeurep, Kecamatan Panimbang, Kabupaten Pandeglang. Penentuan informan dilakukan secara purposive sampling. Data primer penelitian ini diperoleh dari wawancara mendalam dan observasi. Data sekunder diperoleh dari studi literatur dan dokumentasi. Hasil penelitian ini menunjukkan bahwa terdapat perbedaan karakteristik nelayan antara desa Lontar dan Citeurep. Ada perbedaan jenis pemberdayaan di kedua desa. Ada perbedaan komoditas pada kedua kelompok nelayan. Di Desa Lontar, jenis komoditas yang dihasilkan lebih bervariasi, perikanan tangkap, bandeng dan budidaya rumput laut dan usahatani rumput laut. Sedangkan di Desa Citeurep komoditi hanya menangkap ikan. Dalam perspektif kelompok, nelayan di Desa Lontar lebih terorganisir daripada nelayan di Desa Citeurep. Model pemberdayaan relatif yang dapat diterapkan pada dua kelompok nelayan tersebut adalah dengan Model Pendekatan Kelompok Berbasis Regional dengan mempertimbangkan karakteristik masyarakat yang ada di daerahnya masing-masing. Pola pemberdayaan yang paling tepat adalah pola pemberdayaan yang melibatkan seluruh pemangku kepentingan yang menggunakan skema kemitraan seperti: peran pemerintah daerah, perguruan tinggi, DPRD, dan swasta / perusahaan.   Kata kunci: pemberdayaan pesisir, kesejahteraan, kelompok nelayan   ABSTRACT This study aims to analyze the effectiveness of economic empowerment activities of coastal communities that have been done by the government of Banten province, thus to find out the most effective model of economic empowerment for coastal communities in the province of Banten. Metode used in this study is qualitative descriptive, with research sites in the village of Lontar sub District Tirtayasa, Serang Region and Citeurep Village, Panimbang sub District, Pandeglang Region. Informant's determination is done by purposive sampling. Primary data of this research is getting from indepth interview and observation. Secondary data getting from by literature study and documentation. The results of this study indicate that there are differences in the characteristics of fishermen between Lontar and Citeurep villages. There are differences in type of empowerment in both villages. There is a difference of commodities in both groups of fishermen. In Lontar Village, the types of commodities produced are more varied, capture fishery, milkfish and Sea Weed cultivation and seaweed farming. While in Citeurep Village the commodity is capture fish only. In group perspective, fishermen in Lontar Village are more organized than the fishermen in Citeurep Village. The relative empowerment model that can be applied to the two groups of fishermen is with the Regional-Based Group Approach Model taking into account the characteristics of the community that exist in their respective regions. The most appropriate  pattern of empowerment is the empowerment pattern that involves all stakeholders using partnership schemes such as: the role of local government, universities, DPRD, and private / corporate   Keywords: coastal empowerment, welfare, group of fishermen

scholarly journals Makna Kekerabatan Dalam Budaya Lonto Leok Pada Proses Pilkada Di Manggarai Barat

2021 ◽  
Vol 9 (1) ◽  
pp. 9-19
Author(s):  
Benedictus Simangunsong ◽  
Felisianus N. Rahmat
Keyword(s):  
Political Process ◽  
Secondary Data ◽  
Primary Data ◽  
Literature Study ◽  
Election Process ◽  
The Everyday ◽  
Kinship Ties ◽  
The Relationship ◽  
Depth Interviews

                                                                        Abstrak Budaya memainkan peran yang sangat penting dalam politik karena menjadi cerminan masyarakat dalam menentukan sikap dan pilihan politik atau membentuk karakteristik masyarakat dalam berpolitik. Contoh dari hubungan antara budaya dan politik bisa tergambarkan pada isu kekerabatan  pada pilkada Manggarai Barat 2020 yang dibahas dalam penelitian ini. Fenomena kekerabatan yang dimaksud adalah adanya kecenderungan dari masyarakat Manggarai Barat pada umumnya untuk memilih pemimpin yang seasal atau karena faktor kekerabatan dan kekeluargaan atau dikenal sebagai budaya lonto leok yang masih kuat mempengaruhi kehidupan masyarakat termasuk politik. Penelitian ini menggunakan paradigma interpretif dengan metode penelitian Fenomenologi. Adapun pengumpulan data penelitian dilakukan dengan data primer yaitu melakukan wawancara mendalam dan dokumentasi serta data sekunder berupa studi kepustakaan. Wawancara dilakukan kepada para informan yang melakukan lonto leok menjelang Pilkada Mabar Tahun 2020 dan juga pada pilkada-pilkada sebelumnya. Hasil penelitian menunjukkan bahwa makna kekerabatan dalam budaya lonto leok pada proses pilkada di Manggarai Barat adalah kebersamaan dan ketergantungan. Sementara peran budaya lonto leok dalam proses politik adalah pada saat pengambilan keputusan dan menumbuhkan ikatan kekerabatan.   Kata kunci: Budaya, Politik, Kekerabatan, Lonto Leok, fenomenologi, makna kekerabatan                                                                   Abstract   Culture plays a very important role in politics because it reflects the everyday life of society in determining political attitudes and choices or shaping the characteristics of society in politics. One of them many examples about the relationship between culture and politics can be illustrated in the issue of kinship in the 2020 West Manggarai regional election discussed in this study. The kinship phenomenon in question is the tendency of the West Manggarai community in general to choose leaders who are in the same kinship and it is known as the lonto leok culture which still strongly influences people's life, including politics. This study uses an interpretive paradigm with phenomenological research methods. The research data collection was carried out with primary data, namely conducting in-depth interviews and documentation and secondary data in the form of literature study. Interviews were conducted with informants who conducted lonto leok ahead of the 2020 Mabar Pilkada and also in the previous pilkada. The results showed that the meaning of kinship in the lonto leok culture in the election process in West Manggarai was togetherness and dependence. Meanwhile, the role of lonto leok culture in the political process is at the time of making decisions and fostering kinship ties.   Keywords: Culture, Politics, Kinship, Lonto Leok, phenomenology, meaning of kinship  

scholarly journals POTENSI DAN PRIORITAS INDUSTRI KREATIF SKALA MIKRO, KECIL DAN MENENGAH DI PROVINSI BANTEN

2020 ◽  
Vol 4 (2) ◽  
pp. 118-128
Author(s):  
Sugeng Setyadi ◽  
Moh Sofyan Budiarto
Keyword(s):  
Secondary Data ◽  
Study Data ◽  
Primary Data ◽  
Creative Economy ◽  
Creative Industry ◽  
Literature Study ◽  
Interview Method ◽  
Calculation Results ◽  
Qualitative Descriptive ◽  
The Government

  Ekonomi kreatif merupakan salah satu sektor yang diharapkan mampu menjadi kekuatan nasional dan provinsi Banten dengan kontribusi terhadap PDB meningkat dari tahun ke tahun. Diperlukan pemetaan terhadap potensi dan prioritas sektor industri kreatif di provinsi Banten untuk menentukan rencana aksi dan strategi pengembangan. Penelitian ini bertujuan untuk menganalisis potensi dan prioritas industri kreatif skala kecil dan menengah di Provinsi Banten melalui indikator indikator yang bersifat kualitatif. Penelitian menggunakan metode diskriptif kualitatif dengan melakukan survei terhadap pelaku industri kreatif di provinsi Banten. Data primer diperoleh dengan metode wawancara, dan kuisioner sedangkan data sekunder diperoleh dari data yang relevan dari sumber lain seperti BPS, Disperindag dan studi literature. Analisa data menggunakan Analytical Hyrachy Process (AHP) merupakan pendekatan pengambilan keputusan yang dirancang untuk memberikan solusi dari permasalahan yang menyangkut kriteria yang bersifat komplek, menentukan prioritas pilihan-pilihan dengan banyak kriteria, dan menentukan model alternatif untuk menyelesaikan bermacam-macam masalah. Hasil perhitungan AHP dengan penyilangan Kriteria Prioroitas dengan Prioritas Subsektor Ekraf, didapatkan angka 0,496243386 pada posisi pertama untuk Kriya, 0,404603175 untuk subsektor Fesyen pada posisi kedua dan 0,099153439 untuk Subsektor Kuliner pada posisi ketiga. Ketiga Subsektor Ekoomi kreatif ini menjadi Sub sektor yang paling dominan dipilih oleh responden dan posisi peringkat diatas menjadi gambaran bagi pemerintah untuk memberikan stimulus lebih pada subsektor yang ada dan menjadi kekuatan utama sektor industri kreatif skala kecil dan menengah di Banten.   The research objective is to mapping the potential and priority of small and medium the creative industry in Banten Province through indicators with qualitative approach.  Research used qualitative descriptive methods by conducting a survey of creative industry actors in Banten province. Primary data was obtained by interview method, and questionnaire while secondary data was obtained from relevant data from other sources such as BPS, Disperindag and literature study. Data analysis using the Analytical Hyrachy Process (AHP) is a decision-making approach designed to provide solutions to problems involving complex criteria, determine priorities with multiple criteria, and determine alternative models to solve various problems. AHP calculation results by crossing the Priority Criteria with the Subsector's Priority Ekraf, obtained the number 0, 496243386 in the first position for Kriya, 0.404603175 for the Fashion sub-sector in the second position and 0.099153439 for the Culinary Subsector in the third position. The three subsectors of this creative economy become the most dominant subsector chosen by the respondents and the ranking position above becomes a picture for the government to provide more stimulus to the existing sub-sector micro, small and medium creative Industry sector in Banten Province.  

scholarly journals Hak Sipil dan Politik Kaum Marginal: Upaya dan Perjuangan Kelompok Transpuan di Kota Pangkalpinang

2021 ◽  
Vol 1 (1) ◽  
pp. 39-46
Author(s):  
Fabiancha Embun Balqis
Keyword(s):  
Civil Rights ◽  
Secondary Data ◽  
Primary Data ◽  
Political Rights ◽  
Research Subjects ◽  
Research Focus ◽  
Marginal Groups ◽  
Civil And Political Rights ◽  
The Government ◽  
Depth Interviews

The purpose of this study is to describe how the Civil and Political Rights of the Transpuan group in Pangkalpinang City fulfill the Civil and Political Rights and to describe the efforts made by the group in fighting for civil and political rights as citizens. The primary data sources used were observations and in-depth interviews with Transpuan in Pangkalpinang City regarding the class struggle of the Transpuan group in Pangkalpinang City as marginal groups. At the same time, the secondary data are books, journals, theses from previous research, and internet sources relevant and related to the research focus. The research subjects who will be informants are Transpuan in Pangkalpinang City, Transpuan from Pangkalpinang City and its surroundings, and Transpuan from outside the Bangka Belitung Islands Province. The results of this study state that the fulfillment of the civil rights of Transpuan in Pangkalpinang City by the government has not been fully implemented.

scholarly journals PEMBIAYAAN MURABAHAH BERMASALAH

2019 ◽  
Vol 7 (1) ◽  
Author(s):  
Suryanto Suryanto ◽  
Ratna Meisa Dai ◽  
Evi Nursetyani
Keyword(s):  
Balance Sheet ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Literature Study ◽  
Internal Factors ◽  
Balance Sheets ◽  
Side Stream ◽  
Financing Problem ◽  
Descriptive Method

This study aims to determine murabahah financing problem and how to handle it. The method used in this research using the descriptive method with the qualitative approach. Primary data sources were obtained using interviews and field observations. Secondary data were obtained through literature study related to murabahah problem and documentation study. The result of research indicates that murabahah financing in BPRS always related to wakalah contract. Wakalah is a contract between two parties in which one party submits, delegates, represents an affair to another party and the other undertakes the mandate at the request of the representative party. The cause of murabahah financing is problematic due to several factors, namely external and internal factors of the bank. External factors of the bank that comes from customers such as: losing in business competition, the business is run relatively new, side stream use of funds, the death of the key person, divorce key person, sick family members, and the character of customers who are not good. While the internal factors due to errors in conducting the analysis and weak aspects of supervision and monitoring. Handling of non-performing financing is done through collection activities, rescue activities (revitalization), settlement of guarantee activities and write off. Billing activities are done by contacting or visiting customers intensively, giving warning letters. Rescue of troubled financing is done by revitalizing rescheduling and restructuring. While write-off is a write-off of financing that is congested from on-balance sheets and recorded on the off-balance sheet. Keywords: murabahah, problem financing, sharia bank

scholarly journals MENGUJI KEWENANGAN DEWAN PENGAWAS KOMISI PEMBERANTASAN KORUPSI DALAM PEMBERIAN IZIN PENGGELEDAHAN SEBAGAI TINDAKAN MERINTANGI PROSES PENYIDIKAN (OBSTRUCTION OF JUSTICE)

Esensi Hukum ◽  
2020 ◽  
Vol 2 (2) ◽  
pp. 48-63
Author(s):  
Arman Tjoneng ◽  
Christin Septina Basani ◽  
Novalita Sidabutar
Keyword(s):  
Research Method ◽  
Supervisory Board ◽  
Secondary Data ◽  
Criminal Code ◽  
The Other ◽  
Primary Data ◽  
Literature Study ◽  
Legal Research ◽  
The Public ◽  
The Government

Abstract The Corruption Eradication Commission (KPK) has become a super institution with extraordinary restraint. With the new Corruption Eradication Commission Law, some people think that the KPK has been weakened, which has been an institution loved by the public, even though the government denies that the new KPK Law has not weakened the KPK at all. One of the new things is the formation of the KPK Supervisory Body, one of which has the authority to grant permission to the KPK to conduct searches, which in fact has an impact on the problems at hand. The method used is a normative legal research method. The approach used is a statutory approach. The data used are secondary data obtained by literature study and primary data obtained by conducting interviews with related party respondents. There has been a shift in the meaning of Barriers to Justice as stated in Article 221 of the Criminal Code with Article 221 of the Corruption Eradication Law where Article 221 of the Criminal Code views Obstruction of Justice as a material offense while for Article 21 of the Corruption Eradication Law, Judicial Obstruction is seen as a formal offense. On the other hand, the actions of the Supervisory Board in granting licenses for searches, confiscation, etc. are not automatically considered a disturbance of justice unless it can be proven that the elements of wrongdoing committed by the Supervisory Board can be proven.   Keywords : Corruption, Authority, Obstruction Of Justice.   ABSTRAK Komisi Pemberantasan Korupsi (KPK) telah menjadi lembaga super dengan pengekangan yang luar biasa. Dengan adanya Undang-Undang KPK yang baru, sebagian orang menilai telah terjadi pelemahan KPK yang selama ini menjadi institusi yang dicintai masyarakat, padahal pemerintah membantah bahwa Undang-Undang KPK yang baru sama sekali tidak melemahkan KPK. Salah satu hal baru yaitu adalah pembentukan Badan Pengawas KPK yang salah satunya memiliki kewenangan untuk memberikan izin kepada KPK untuk melakukan penggeledahan, yang ternyata berdampak pada permasalahan yang sedang dihadapi. Metode yang digunakan adalah metode penelitian hukum normatif. Pendekatan yang digunakan adalah pendekatan statutori. Data yang digunakan adalah data sekunder yang diperoleh dengan studi pustaka dan data primer diperoleh dengan melakukan wawancara dengan responden pihak terkait. Telah terjadi pergeseran makna Hambatan Keadilan sebagaimana tertuang dalam Pasal 221 KUHP dengan Pasal 221 Undang-Undang Pemberantasan Korupsi dimana Pasal 221 KUHP memandang Obstruksi Keadilan sebagai delik material sedangkan untuk Pasal 21 Undang-Undang Pemberantasan Korupsi, Obstruksi Peradilan dipandang sebagai delik formal. Di sisi lain, tindakan Dewan Pengawas dalam pemberian izin penggeledahan, penyitaan, dan lain-lain tidak serta merta dianggap sebagai gangguan keadilan kecuali dapat dibuktikan bahwa unsur-unsur perbuatan salah yang dilakukan Dewan Pengawas dapat dibuktikan. Kata Kunci: Korupsi, Otoritas, Obstruksi Keadilan.

scholarly journals PROBLEMATIKA DALAM PELAKSANAAN PEMUNGUTAN BEA PEROLEHAN HAK ATAS TANAH DAN BANGUNAN (BPHTB) DI KOTA PADANG

2020 ◽  
Vol 5 (2) ◽  
pp. 333
Author(s):  
Eka Susanti
Keyword(s):  
Secondary Data ◽  
Primary Data ◽  
Research Subjects ◽  
Collection System ◽  
Literature Study ◽  
Tax Collection ◽  
Transaction Prices ◽  
Research Problems ◽  
The Government ◽  
The Cost

One type of tax is the Cost of Acquisition of Land and Building Rights (BPHTB). In Padang City, based on Regional Regulation Number 1 of 2011 and Regulation of Mayor Number 27 of 2016, the BPHTB tax collection system is different where the BPHTB collection system is not cohorence with the implementation of basic tasks and is determined by the parties as regulated by the function of increasing development activities in all fields. The research problems in this article are: 1) How is the collection of BPHTB in Padang City 2) How the verification process the land and building and constraints was receipts from land and building rights to the certificate of together in Padang City? 3) Are efforts of the government of padang in obstacles as receipts from land and building rights to the certificate of together in Padang City ? The research uses empirical juridical research methods. Primary data and secondary data obtained through literature study and interviews with research subjects. The results shows that the implementation of BPHTB collection in Padang city was carried out based on the Mayor Regulation No. 27 of 2016 and there are differences in tax collection regulated by Regional Regulation Number 1 of 2011, namely in the Cost of Acquisition (NPOP) assessment and collection system based on market prices, not transaction prices regulated in Bylaw No. 1 of 2011. The differences create legal uncertainty for the community. The obstacle that arises in the collection of Padang city BPHTB is the lack of taxpayer knowledge about BPHTB.

scholarly journals The Implementation of Halal Tourism Ecosystem Model in Borobudur Temple as Tourism Area

2021 ◽  
Vol 3 (1) ◽  
pp. 13-20
Author(s):  
Anang Sutono ◽  
Shaharuddin Tahir ◽  
Sumaryadi Sumaryadi ◽  
Andre Hernowo ◽  
Wisnu Rahtomo
Keyword(s):  
Human Resources ◽  
Secondary Data ◽  
Ecosystem Model ◽  
Government Support ◽  
Tourism Destination ◽  
Literature Study ◽  
Four Dimensions ◽  
Integrated Research ◽  
The Government ◽  
Descriptive Method

Borobudur as one of the top wonderful destinations in the world is challenged to become one of halal tourism destinations in Indonesia. The purposes of this research are to find out and to launch the implementation of halaltourism ecosystem model in Borobudur Temple as tourism area in Indonesia. This research used a descriptive method. The researcher investigated the implementation of halal tourism ecosystem model in the Borobudur temple as tourism area by examining the variables of halal tourism ecosystems. It consisted of four dimensions. They are destination products, government support, human resources, and infrastructure. The main data is collected by using interviews and addressing of Borobudur Temple Tourism Park management, Tourism Business People that concerned with halal certification, LPPT (Integrated Research and Testing Laboratory) University of Gajah Mada, Indonesian Ulama chapter Jogjakarta, Culture and Tourism Region of Jogjakarta. The tools of data collection are the checklist and literature study to grab the secondary data. The result shows that Halal Tourism destination product, including the availability of halal attraction, facility, accessibility, program, and the package are not available completely. However, the support aspect from the government is not optimal in supporting Borobudur as halal tourism destination. Based on human resources aspect, there is founded that in some aspects such as the availability of human resources that understand of tourism is very poor or almost none. Besides, based on infrastructure aspect, there is founded that research and development aspects have not been carried out optimally.

scholarly journals Authoritarian Nature of the People’s Democratic Party on Federal Radio Corporation of Nigeria in the Fourth Republic (1999-2015)

2019 ◽  
Vol 5 (1) ◽  
pp. 99-106
Author(s):  
Muktar Bashir
Keyword(s):  
Democratic Party ◽  
Qualitative Method ◽  
Secondary Data ◽  
Primary Data ◽  
Factual Information ◽  
The People ◽  
Data Collection And Analysis ◽  
Fourth Republic ◽  
The Government ◽  
Depth Interviews

This article empirically discusses the Authoritarian nature of the ruling Peoples Democratic Party (PDP) on Federal Radio Corporation of Nigeria (FRCN) in Nigeria’s Fourth Republic between 1999-2015. It employed qualitative method as a means of data collection and analysis. The primary data was generated via in-depth Interviews with relevant stakeholders who were purposively selected. Secondary data was also utilized to compliment the interviews. The article is written within the purview of the Authoritarian theory of communication and it was found that FRCN between the period under study has been dominated, controlled and dictated by the ruling PDP, reporting issues unethically. The outfit was mostly dancing to the tune of the party in power (PDP). It is recommended that FRCN should not be directly controlled by the government or party in power. Also, a law should be put in place to make it discharge its responsibility of communicating vital, truthful and objective information fairly for the people to be equipped with factual information capable of bringing the needed informed decision particularly during elections.

scholarly journals The Outbreak of Covid-19 as an Overmacht Claim in Credit Agreements

FIAT JUSTISIA ◽  
2021 ◽  
Vol 15 (1) ◽  
pp. 75-92
Author(s):  
Merry Tjoanda
Keyword(s):  
Interest Rates ◽  
Research Methods ◽  
Secondary Data ◽  
Primary Data ◽  
Literature Study ◽  
Legal Research ◽  
Banking Institutions ◽  
The Government ◽  
Credit Agreement ◽  
Branch Office

This research aims to determine and analyze the law consequences of overmacht in credit agreements due to the Covid-19 Pandemic and as legal remedies for settlement of the credit agreement due to the Covid-19 Pandemic. This research is socio-legal research, a combination research method between doctrinal law research methods and empirical legal research methods. This research was conducted in banking institutions and financing institutions in Ambon City, namely at Bank Mandiri Ambon Branch Office, BCA Ambon Branch Office, Bank Artha Graha Ambon Branch Office, and BFI Limited Company Ambon Branch Office. The types of research data are primary data and secondary data, obtained through literature study and interviews. Based on the results of the research, the Covid-19 Pandemic is a non-natural disaster, so it is categorized as a relative overmacht, so the result of the comparative overmacht law in the credit agreement due to the Covid-19 Pandemic in Ambon City has not changed the risk burden in the sense that the Debtor still fulfills their achievements after the outbreak of Covid - 19 Pandemic is over. The legal effort that can be taken to settle credit agreements due to Covid-19 Pandemic in Ambon City is through credit restructuring in the form of lowering interest rates, extending the period, reducing principal arrears, and reducing interest arrears as determined by the government to be implemented by the bank or financing institutions with debtors.

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