Application of the Proportionality Principle in the Credit Restructuring Policy for the SMEs Financial Performance During the Covid-19 Pandemic in Indonesia

Influence of Perception of Terms, Perception of Usefulness and Risk Perception on Debtor Decisions With There Is a Credit Restructuring Policy at Bank Bri Gadang Unit Malang City

“…Meanwhile, according to research entitled Application of the Proportionality Principle in the Credit Restructuring Policy for the SMEs Financial Performance During the Covid-19 Pandemic in Indonesia, the results of his research, namely credit restructuring in SMEs, can help banks reduce the growth rate of bad loans due to the impact of the spread of Covid-19. In the implementation of the credit restructuring, it is only an offer to the debtor not as an obligation that must be obeyed by financial services companies so the policy only favors the interests of entrepreneurs or investors and does not protect the interests of some people affected by losses due to the impact of Covid-19 (Tejomurti & Handayani, 2020). The research entitled Analysis Of Restructuring Credit For Commercial Segment (Case Study: Commercial Risk Bandung -Bank Horizon) states that the most effective restructuring policy in the credit process is the rescheduling method, which has an impact percentage of 38.4%.…”