ANALYSIS OF SMES CREDIT RESTRUCTURING POLICY IN ECONOMIC RECOVERY DURING THE COVID-19 PANDEMIC

Lussi Agustin, Moh. Yusron Solikin, Zunairoh .
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Abstract

Penelitian ini bertujuan untuk menganalisis seberapa maksimal proses kebijakan retrukturisasi Kredit UMKM dalam Pemulihan Ekonomi di Masa Pandemi Covid-19. Kondisi perekonomian global sedang mengalami goncangan hebat akibat mewabahnya Covid-19. Dampak dari pandemic ini sangat mempengaruhi segala aspek terutama pada kondisi Kesehatan dan perekonomian suatu negara, tidak terkecuali Indonesia. Secara keseluruhan, hampir semua sektor industry mengalami goncangan dan tidak terkecuali sektor UMKM. Maka dari itu dikeluarkanlah kebijakan retrukturisasi Kredit UMKM guna mendorong optimalisasi fungsi intermediasi pada perbankan dan menjaga stabilitas sistem keuangan serta mendukung pertumbuhan perekonomian. Program restrukturisasi kredit menjadi program dari OJK yang dapat diterapkan oleh perbankan kepada UMKM. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan menggunakan studi empiris dari penelitian terdahulu serta peraturan-peraturan terkait dengan restrukturisasi kredit yang dikeluarkan oleh Otoritas Jasa Keuangan. Hasil penelitian ini menunjukkan bahwa implementasi kebijakan restrukturisai kredit bagi UMKM sudah berjalan dan digunakan oleh para pelaku UMKM. Kemudian berdasarkan implementasinya kebijakan ini merupakan kebijakan top-down dimana memerlukan banyak Lembaga untuk bekerja sama dan keputusan berasal dari Peraturan pemerintah baru di teruskan ke Lembaga-lembaga lain di bawahnya hingga informasinya sampai dan bisa dirasakan oleh para UMKM. 

 

This research aims to analyze the policy of restructuring SMEs Credit in Economic Recovery during the Covid-19 Pandemic. The global economy is experiencing severe shocks due to the outbreak of Covid-19. The impact of this pandemic greatly affects all aspects, especially on the health and economic condition of a country, not least Indonesia. Overall, almost all industry sectors are experiencing shocks and are no exception to the SMEs sector. Therefore, the policy of restructuring SMEs Credit was issued to encourage optimization of intermediation function in banking and maintain the financial system stability and support economic growth. Credit restructuring program becomes a program from OJK that can be applied by banks to SMEs. The method used in this research is a qualitative method using empirical studies from previous research as well as regulations related to credit restructuring issued by the Financial Services Authority. The results of this research show that the implementation of credit restructuring policy for SMEs is already running and used by SMEs. Then based on the difference in implementation of this policy is a top-down policy that requires many Institutions to cooperate and decisions derived from the new government regulations are forwarded to other institutions under it until the information reaches and can be felt by SMEs.

Keywords

Implementation; Restructuring; SMEs;

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