Tanggung Jawab Hukum para Pihak dalam Perjanjian Fidusia sebagai Jaminan Kredit (Studi Kasus di Koperasi Simpan Pinjam Bhina Raharja Klaten)

Mashlovski, Gibranayev Musliminovic and , Septarina Budiwati, S.H., M.H., (2018) Tanggung Jawab Hukum para Pihak dalam Perjanjian Fidusia sebagai Jaminan Kredit (Studi Kasus di Koperasi Simpan Pinjam Bhina Raharja Klaten). Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

This study aims to determine the legal responsibilities of the parties in the fiduciary agreement as collateral for credit at the Savings and Loans Cooperative (KSP) Bhina Raharja Klaten and the form of a loan and loan agreement with a fiduciary guarantee in the Savings and Loans Cooperative (KSP) Bhina Raharja Klaten as well as problems arises in the event of default including efforts to resolve it in the implementation of a loan and lending agreement with a fiduciary guarantee in the Savings and Loans Cooperative (KSP) Bhina Raharja Klaten. This study includes a type of empirical empirical legal research. The research location is in the Savings and Loans Cooperative (KSP) of Bhina Raharja, Klaten Regency, Central Java. Research data includes primary data and secondary data, primary data is the main data of this study while secondary data is used as supporting primary data. Primary data collection techniques are carried out through observation and interviews while secondary data is obtained from books, archives and legislation. Data analysis techniques in this study are qualitative, the analysis process is carried out from the beginning along with the data collection process. In implementing lending and borrowing agreements with fiduciary guarantees in the Bhina Raharja Savings and Loan Cooperative (KSP) begins with the establishment of an agreement between the credit applicant and the Savings and Loans Cooperative (KSP) Bhina Raharja then followed by the imposition of a fiduciary guarantee that the agreement is made before a notary but not done registration at the fiduciary registration office. The form of loan and lending agreement with fiduciary collateral in the Savings and Loans Cooperative (KSP) Bhina Raharja is in writing in the form of a standard agreement which the agreement clauses are determined unilaterally by the Bhina Raharja Savings and Loans Cooperative offered to credit applicants to be accepted or rejected forms the defaults that occur in the implementation of the loan and loan agreement in the Bhina Raharja Savings and Loans Cooperative (KSP) are twofold, namely the delay in paying installments and moving the collateral position to another party. Settlement efforts that can be done are cooperative officers to collect at the residence of the credit applicant, provide warning letters as much as 3 (three) ix times, detain and sell collateral items belonging to the credit applicant. The risk of loss or destruction of collateral goods due to force majeure is borne by the cooperative unless there are other provisions that require the transfer of risk to the customer. The implication of this research is that the implementation of the lending and borrowing agreement with fiduciary guarantees in credit institutions, especially in cooperatives, will be better in the future by laying out the rules that are in Law Number 42 of 1999 concerning Fiduciary Guarantees.

Item Type:	Karya ilmiah (Skripsi)
Uncontrolled Keywords:	Fiduciary guarantee, credit agreement, legal responsibility.
Subjects:	K Law > K Law (General)
Divisions:	Fakultas Hukum > Hukum
Depositing User:	GIBRANAYEV MUSLIMINOVIC MASHLOVSKI
Date Deposited:	02 Oct 2018 04:43
Last Modified:	02 Oct 2018 04:43
URI:	http://eprints.ums.ac.id/id/eprint/67293

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