Anita Kamilah


Banks have a strategic role as an intermediary institution in collecting and channeling public funds to finance economic sector activities so as to strengthen the structure of the national economy. However, the development of the spread of coronavirus disease 2019 (Covid-19) has had a major impact on the performance and capacity of debtors in their credits. Therefore, the policy is countercyclical and expected to provide solutions for banks to situations that have the potential to disrupt banking performance and financial system stability in supporting economic growth, due to constraints on debtors in carrying out their obligations. This research has an important role to play in examining: (1) whether Covid-19 can be used as an excuse for overmacht repaying  by debtors who have difficulty credit; (2) Can the implementation of policies  countercyclical protect debtors affected by Covid-19. The normative juridical approach method, descriptive analysis research specifications, and data analysis were carried out qualitatively. Research Results: (1) Thepandemic Covid-19cannot be used as an excuse for overmacht by debtors to avoid credit payment obligations, but only postpone credit payments, provided that if the pandemic conditions Covid-19have passed the debtor continues to carry out his credit obligations. (2) Through a policy countercyclical, debtors who have difficulty loans due to repaying Covid-19 receive a credit restructuring scheme

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