PENYELESAIAN WANPRESTASI TERHADAP PERJANJIAN PINJAMAN DI KOPERASI UNIT DESA (KUD) SUMBER REZEKI DESA BUKIT AGUNG KECAMATAN KERINCI KANAN KABUPATEN SIAK

Abstract

Law Number 25 of 1992 concerning Cooperatives, cooperatives
are the foundation for strengthening the people's economy. The purpose of
cooperatives in Article 3 of Law Number 25 of 1992 aims to promote the
welfare of members in particular and society in general and to participate
in building a national economic order in order to create an advanced, just
and prosperous society based on Pancasila and the 1945 Constitution.
Cooperative Units Sumber Rezeki Village as a savings and loan
cooperative. The purpose of writing this thesis is first, to find out the factors
that cause bad loans at KUD Sumber Rezeki Bukit Agung Village. Second,
to find efforts to resolve non-performing loan defaults in the implementation
of money loans at KUD Sumber Rezeki Bukit Agung Village.
This type of research is sociological legal research, namely research
conducted on the identification of laws and the effectiveness of laws that
apply in society. In this case, see the implementation of the Sumber Rezeki
Cooperative loan money agreement. The nature of the research is
descriptive which provides precise data about humans, conditions and other
symptoms.
The results of this study indicate that the factors that cause bad credit
to the Sumber Rezeki Village Unit Cooperative are internal factors
originating from creditor errors, namely the lack of accuracy in providing
credit to members and no data transparency by the old KUD Sumber Rezeki
management on the amount owed and the amount payments paid by
members of the cooperative as well as external factors, namely those
originating from the debtor either outside the condition of the debtor himself
or because of the lack of good faith, negligence or misuse of money by
members of the cooperative. The efforts taken to resolve defaults in KUD
Sumber Rezeki are by sending letters of reprimand, visiting directly to the
residence of cooperative members, finding solutions for settlement in a
family manner and the final way is to sell or confiscate cooperative
members' credit guarantees.
Keywords: Default - Bad Loans, Cooperative.