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In this situation, the Bank will perform a self-assessment using parameters that at the very least include the Covid-19 requirements for debtors and sectors. As in the case of the couple's poor credit claim in the Surabaya District Court, which was dismissed by the judge due to Covid-19 (PT JAWA POS, nd). Since the two claimants could not pay off their loans as agreed in the loan agreement, the court of judges determined that they had defaulted or broken their obligations. The bank sent the plaintiff a warning letter (subpoena) before auctioning off the pledged money, but the plaintiff did not respond. The claimant, on the other hand, said he was in default because of a national tragedy or force majeure. When a judge dismisses the couple's case,