[{"_1":2,"_124":-5,"_125":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","id","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","ae3dc087-8c56-4b66-b96d-4d20011d16f9","regulationData",{"_36":33,"_37":38,"_120":121,"_122":123},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":48,"_50":51,"_52":53,"_58":59,"_60":61,"_65":66,"_79":80,"_81":82,"_83":84,"_85":86,"_87":-5,"_88":89,"_90":91,"_92":-5,"_93":94,"_95":91,"_96":91,"_97":98,"_99":100,"_101":102,"_103":104,"_105":106,"_107":108,"_109":110,"_111":112,"_113":114,"_115":116,"_117":-5,"_118":119},"title","Peraturan Pemerintah (PP) Nomor 47 Tahun 2024 tentang Penghapusan Piutang Macet kepada Usaha Mikro, Kecil, dan Menengah","short_title","Peraturan Pemerintah (PP) Nomor 47 Tahun 2024","number","47","year","2024","published_date","2024-11-05","effective_date","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_6":51,"_54":55,"_56":57},"name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","25005e56-1478-479f-a566-310826679c75","type",{"_6":59,"_54":62,"_63":64},"Peraturan Pemerintah (PP)","short_name","PP","subjects",[67,70,73,76],{"_6":68,"_54":69,"_56":-5},"193753c5-a731-40ce-a1e2-9283553b49dd","Utang, Piutang & Hibah Negara",{"_6":71,"_54":72,"_56":-5},"2bf79628-3333-4ba8-b4c8-3748a648a8df","Kebijakan Umum Pemerintah",{"_6":74,"_54":75,"_56":-5},"acabb8c0-4727-4116-9b30-fc81aa92d3c7","Koperasi & Usaha Mikro Kecil",{"_6":77,"_54":78,"_56":-5},"b4352a21-9358-435d-b1a9-f4268ae07a7e","Kebijakan Perekonomian Nasional","tags",[],"location","Pemerintah Pusat","place_of_enactment","Jakarta","theme","Penghapusan Piutang Macet kepada Usaha Mikro, Kecil, dan Menengah","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Penghapusan - Piutang Macet - Usaha Mikro, Kecil, dan Menengah
2024
Peraturan Pemerintah (PP) NO. 47, LN 2024 (384), TLN (7088) : 13 hlm.; jdih.setneg.go.id
Peraturan Pemerintah (PP) TENTANG Penghapusan Piutang Macet kepada Usaha Mikro, Kecil, dan Menengah
ABSTRAK:	\n \n Untuk meningkatkan ketahanan ekonomi nasional melalui pemberdayaan usaha mikro, kecil, dan menengah, perlu diberikan kemudahan akses pembiayaan usaha mikro, kecil, dan menengah. Untuk memberikan kemudahan akses pembiayaan perlu penanganan piutang macet kepada usaha mikro, kecil, dan menengah melalui penghapusbukuan dan penghapustagihan serta penghapusan secara bersyarat piutang negara dan penghapusan secara mutlak piutang negara. \n Dasar Hukum PP ini adalah Pasal 5 ayat (2) UUD NRI Tahun 1945; UU Nomor 1 Tahun 2004; dan UU Nomor 4 Tahun 2023. \n Peraturan ini mengatur mengenai Penghapusan Piutang Macet Usaha Mikro, Kecil, dan Menengah. Usaha Mikro, Kecil, dan Menengah (UMKM) adalah usaha ekonomi produktif yang dilakukan oleh orang perseorangan atau badan usaha yang memenuhi kriteria usaha mikro, kecil, dan menengah sebagaimana diatur dalam ketentuan peraturan perundang-undangan mengenai usaha mikro, kecil, dan menengah. Peraturan Pemerintah ini mengatur mengenai penghapusan piutang macet yang meliputi: a. Bank dan/atau lembaga keuangan non-Bank BUMN kepada UMKM dengan cara Penghapusbukuan dan Penghapustagihan piutang macet; dan b. Pemerintah kepada UMKM dengan cara Penghapusan Secara Bersyarat dan Penghapusan Secara Mutlak Piutang Negara macet. Piutang macet pada Bank dan/atau lembaga keuangan non-Bank BUMN kepada UMKM dilakukan Penghapusbukuan dan Penghapustagihan. \n \n
CATATAN:	\n \n Peraturan Pemerintah (PP) ini mulai berlaku pada tanggal 05 November 2024. \n Kebijakan penghapusan piutang macet pada Bank dan/atau lembaga keuangan non-Bank BUMN dan Piutang Negara macet kepada UMKM sebagaimana diatur dalam Peraturan Pemerintah ini berlaku untuk jangka waktu selama 6 (enam) bulan terhitung sejak berlakunya Peraturan Pemerintah ini. \n Lampiran file: 18 hlm (batang tubuh hlm 1 sd 13, lampiran hlm 14 sd 18) \n \n

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Peraturan Pemerintah ini bertujuan untuk meningkatkan ketahanan ekonomi nasional dengan mempermudah akses pembiayaan bagi Usaha Mikro, Kecil, dan Menengah (UMKM). Kebijakan ini mencakup penghapusan piutang macet melalui penghapusbukuan dan penghapustagihan oleh Bank dan/atau lembaga keuangan non-Bank BUMN, serta penghapusan secara bersyarat dan mutlak oleh pemerintah. Penghapusbukuan dilakukan setelah upaya restrukturisasi dan penagihan optimal, sementara penghapustagihan berlaku untuk kredit yang memenuhi kriteria tertentu, termasuk yang terdampak bencana alam. Penghapusan piutang negara mencakup dana bergulir dan kredit program dengan batasan nilai tertentu. Kebijakan ini memberikan kepastian hukum bagi UMKM dan koperasi dalam mengelola utang, serta memungkinkan debitur yang telah dihapus piutangnya untuk mengajukan kredit baru.

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GOVERNMENT REGULATION OF THE REPUBLIC OF INDONESIA
NUMBER 47 OF 2024
CONCERNING
WRITE-OFF OF NON-PERFORMING RECEIVABLES TO
MICRO, SMALL, AND MEDIUM ENTERPRISES

BY THE GRACE OF ALMIGHTY GOD

PRESIDENT OF THE REPUBLIC OF INDONESIA,

\n\n \n \n

Considering:

that to improve national economic resilience through the empowerment of micro, small, and medium enterprises, it is necessary to provide ease of access to financing for micro, small, and medium enterprises;
that to provide ease of access to financing as intended in letter a, it is necessary to handle non-performing receivables to micro, small, and medium enterprises through write-off and collection write-off, as well as conditional write-off of state receivables and absolute write-off of state receivables;
that based on the considerations as intended in letter a and letter b, and in accordance with the provisions of Article 250 and

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