WANPRESTASI PEMBAYARAN KARTU KREDIT PADA MASA PANDEMI COVID-19
Abstract
Credit cards are a more secure and practical cash substitute. In addition to providing benefits, there are not a few legal problems caused by debtors defaulting on credit card payments. Defaults occur due to debtors defaulting, injuries to appointments even due to forceful circumstances. The study aims to analyze efforts to resolve defaults on credit card payments during the covid-19 pandemic. The research method used is normative juridical by using secondary data that is data obtained from library materials. the conclusion of this study is that the onsure of the situation such as during the covid-19 pandemic can not necessarily be used as a reason for debtors not to fulfill their obligations. The parties shall adhere to the principle of good faith contained in Article 1338 of the Civil Code. Creditors should also pay attention to the interests of debtors in certain situations by providing the opportunity to implement credit relaxation for rescheduling and debt restructuring.
Keywords: credit card; forceful circumstances; the default
References
A. Buku
Abdul Kadir Muhammad, Rilda Murniati, 2004, Segi Hukum Lembaga Keuangan dan
Pembiayaan, Bandung: PT. Citra Aditya Bakti.
A.F. Elly Erawaty, JS Badudu, 1996, Kamus Hukum Ekonomi, Jakarta: ELIPS.
Ali Damar Dinau, 1989, Kartu Kredit Bukan Sekedar Status Simbul, Bandung: Mandar Maju.
Bryan A. Garner, 1999, Blacks Law Dictionary, St. Paul, Minn: West Group.
Emmy Pangaribuan Simanjuntak, 1996, Bahan Penataran Dosen Hukum Dagang, Yogyakarta:
Universitas Gajah Mada.
P.N.H Simanjuntak, 2015, Hukum Perdata Indonesia, Jakarta: Prenadamedia Group.
Soerjono Soekanto, Sri Mamudji, 2019, Penelitian Hukum Normatif, Jakarta: Rajawali Pers.
Sri Redjeki Hartono, 1994, Aspek Hukum Penggunaan Kartu Kredit, Jakarta: Badan Pembinaan
Hukum Nasional Departemen Kehakiman.
Suharnoko, 2004, Hukum Perjanjian (Teori dan Analisa Kasus), Jakarta: Kencana Prenada
Media Group.
B. Peraturan Perundang-Undangan
Undang-Undang Nomor 10 tahun 1998 Tentang Perbankan.
Undang-Undang Nomor 24 Tahun 1999 Tentang Lalulintas Devisa dan Sistem Nilai Tukar.
Undang-Undang No. 19 Tahun 2016 Tentang Perubahan Atas Undang-Undang No. 11 Tahun
tentang Informasi dan Transaksi Elektronik (ITE).
Kitab Undang-Undang Hukum Perdata (KUHPerdata).
C. Jurnal
Fitri Ayu Ranti, Hudi Asrori S, 2019, Penyelesaian Wanprestasi Dalam Perjanjian Kredit Di
Bank BRI KCP Jombang Kota, Jurnal Privat Law, Vol. VII, No. 1, Edisi Januari-Juni.
