Everyone has the right to make and enter into agreements with others, one of which
is a credit agreement. But because of the COVID-19 pandemi, some debtors at the
Bank Pembangunan Daerah Provinsi Daerah Istimewa Yogyakarta cabang Sleman
had difficulty doing their achievements. The purpose of writing this law is to find
out whether the COVID-19 pandemi can be categorized as a force or overmacht
situation and how the impact of the COVID-19 Pandemi on the implementation of
credit agreements at the Bank Pembangunan Daerah Provinsi Daerah Istimewa
Yogyakarta cabang Sleman. This legal writing uses empirical writing methods
where data obtained from interviews of the parties concerned. The conclusion of
this study is that the COVID-19 pandemi can be categorized as a temporary
coercive situation and the impact on credit agreements at the Bank Pembangunan
Daerah Provinsi Daerah Istimewa Yogyakarta cabang Sleman is to continue as
promised but there is relief that is by reconstruction.