The existence of the covid-19 pandemic is an event that can become the
basis for overmacht in a credit union savings and loan agreement. This study aims
to determine the efforts to resolve the parties in the credit agreement at the
Cindelaras Tumangkar Credit Union during the covid-19 pandemic. This study
uses empirical legal research methods, namely legal research with the aim of
studying and analyzing the operation of law in society, which is manifested in the
legal behavior of society. From the results of the study, it can be concluded that
efforts to settle the parties in the credit agreement at the Cindelaras Tumangkar
Credit Union during the covid-19 pandemic were carried out based on the
agreement of the parties. The agreement is in the form of negotiations between the
debtor and the creditor for the reschedule to be implemented which is carried out
by being given a re-agreement, namely making a Credit Agreement Letter that
aims to renew the loan.