Pada awal tahun 2020 di seluruh dunia gempar oleh munculnya suatu Virus yang dapat menyebar dengan cepat melalui udara, virus ini dikenal dengan sebutan Coronavirus. Sektor utama di Indonesia yang terdampak akibat penyebaran Covid-19, salah satunya adalah dari sektor produksi. Virus ini bahkan mempengaruhi perekonomian negara-negara di seluruh dunia, tak tekecuali Indonesia. Usaha Mikro, Kecil, dan Menengah (UMKM) yang memiliki kedudukan khusus di perekonomian Indonesia juga terdampak secara serius. Penyaluran pembiayaan perbankan syariah pada 2020 tumbuh 8,08% (yoy), melambat dibandingkan tahun sebelumnya yang tumbuh sebesar 10,89% (yoy).Oleh karena itu, pemerintah mengeluarkan suatu kebijakan yaitu Kebijakan Countercyclical.
Penelitian ini bertujuan untuk mengetahui bagaimana pelaksanaan program Kebijakan Countercyclical pada masyarakat UMKM yang terdampak COVID-19 di BPRS Binasia dan Untuk mengetahui dampak penerapan program Kebijakan Countercyclical yang ditetapkan OJK pada masyarakat UMKM yang terdampak COVID-19. Jenis penelitian ini adalah penelitian lapangan (Field Research). Adapun sifat dalam penelitian ini adalah metode deskriptif kualitatif.
Hasil temuan dari dampak kebijakan Countercyclical terhadap UMKM yang telah diwawancarai yaitu memberi dampak secara signifikan. Terbukti dari tiga narasumber UMKM mengakui bahwa kebijakan tersebut cukup meringankan beban UMKM yang ada dimasa pandemi Covid-19. Penurunan nilai angsuran juga berdampak pada omset yang perlahan mulai membaik. Kebijakan Countercyclical memberi dampak dapat mengurangi beban dan menstimulus terhadap kelangsungan UMKM dimasa pandemi Covid-19.

ABSTRACT:
At the beginning of 2020 the whole world was in an uproar by the emergence of a virus that can spread quickly through the air, this virus is known as the Coronavirus. The main sectors in Indonesia that have been affected by the spread of Covid-19, one of which is the production sector. This virus has even affected the economies of countries around the world, including Indonesia. Micro, Small and Medium Enterprises (MSMEs) which have a special position in the Indonesian economy are also seriously affected. Distribution of sharia banking financing in 2020 grew 8.08% (yoy), slowing compared to the previous year which grew by 10.89% (yoy). Therefore, the government issued a policy, namely the Countercyclical Policy.
This study aims to find out how the Countercyclical Policy program is implemened for the MSME community affected by COVID-19 at BPRS Binasia and to determine the impact of implementing the Countercyclical Policy program set by OJK on the MSME community affected by COVID-19. This type of research is field research (Field Research). The nature of this research is a qualitative descriptive method. The impact of the Countercyclical policy on the MSMEs that have been interviewed is quite helpful. It was evident from three MSME sources who acknowledged that this policy had lightened the burden on MSMEs during the Covid-19 pandemic. The decline in the value of the installments also had an impact on turnover, which slowly began to improve. Even though there is an extension of the installment period, this does not burden MSMEs who have received relief. In conclusion, the Countercyclical policy has the effect of reducing the burden and stimulating the continuity of MSMEs during the Covid-19 pandemic.