PAYMENT OF PURCHASE OF GOODS BUY WITH NON CASH IN THE CONDITION OF PANDEMIC COVID 19

PAYMENT OF PURCHASE OF GOODS BUY WITH NON CASH IN THE CONDITION OF PANDEMIC COVID 19

Non-cash payments are all means of payment other than cash (currency). Non-cash payment instruments or demand deposits are usually used to make large amounts of payment transactions so that it is more efficient than payments with currency. Payments made with cash, made in cash, have several disadvantages, such as doubling the printing of expensive money, making payments take a long time, having the risk of being easily forged or stolen. From some weaknesses of cash payment transactions with currency, people began to switch to using payment transactions in the sale and purchase through non-cash methods regulated through Bank Indonesia Regulation No.20 / 6 / PBI / 2018 concerning Electronic Money. Pandemic corona virus disease 2019 (Covid 19) makes people have to do pyshical distancing or keep their distance to break the chain of the spread of the virus. Therefore, efforts are needed for the community to keep their distance during daily activities. One way that can be done is by applying a non-cash payment method. With non-cash payment methods the public can minimize direct contact when making transactions. This can help efforts to reduce the spread of covid 19. The occurrence of non-cash payments certainly preceded by an agreement between the buyer and the seller, both an agreement on the price of goods for delivery of goods and an agreement in the way of payment, according to Article 1313 of the Civil Code and Article 1320 of the Civil Code. However, in the implementation of the sale and purchase agreement with non-cash payment, if there are no specific provisions, the legal basis for the binding is Article 1338 of the Civil Code which states that all agreements made legally apply as a law for those who make them. Buying and selling goods on a non-cash basis, of course, does not always work out as promised. One of the buyers or sellers can default. If the buyer defaults then the injured party is the seller, and vice versa if the seller defaults then the buyer loses the result. As a result of default can be subject to sanctions in the form of compensation, cancellation of contracts, transfer of risk. With regard to default, the parties can settle deliberations regarding compensation paid and if the deliberation is not accepted then the injured party can sue the court.