This study focuses on force majeure problems, because The 4th level of community
activities restrictions enforcement involving the credit agreement with a bank.The
purpose of this research is to find a way for the government and private banks to
force majeure reasons submitted by a debtor when the 4th level of community
activities restrictions enforcement is held in a credit agreement in order to avoid the
stipulated breach to study judicial consideration and provide by a government bank
or private bank to debtors who use force majeure reasons in credit agreements for
the 4th level of community activities restrictions enforcement. Based on the results of
the research that has been conducted, Bank Mandiri and Bank BCA The 4th level of
community activities restrictions enforcement in the credit agreement so that the
debtor avoids the provisions regarding default is to take preventive action at the
beginning of the credit agreement starting from a prior agreement between the
prospective debtor and the prospective creditor. Bank Mandiri, in dealing with
debtors who have credit during The 4th level of community activities restrictions
enforcement Restrictions, is not to give any legal considerations to their debtors
while Bank BCA provides legal considerations to their debtors.