The OJK issued The Financial Stimulus on the Impact of The Spread of Covid-19
policies to minimalize credit risk of the bank. Those provision was implemented by
credit restructuring to the affected debtors, including micro, small, and medium
enterprise debtors. However, social fact showed an increase in Non-Performing
Loans (NPL) of 4.79% at Bank Sinarmas for June 2021, which described the
magnitude of credit risk and impacted the bank soundness. The problems written in
this legal research is whether the policies give consequence on the increasing of
NPL at Bank Sinarmas. This research was conducted throughout normative legal
research method. Based on the problem, it was concluded that the policies did not
give consequence to the increasing of NPL at Bank Sinarmas. The increasing of
NPL was affected by the decreasing of the debtor's ability to pay its obligat