Perjanjian Kredit Pada Koperasi KPRI ASIH Pegawai Negeri Sipil Di Surakarta

Saputra, Zain and , Dr. Tashya Panji Nugraha, S.H., M.H. (2023) Perjanjian Kredit Pada Koperasi KPRI ASIH Pegawai Negeri Sipil Di Surakarta. Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

The problem that is often encountered in implementing soft loan credit agreements is bad credit. This study aims to determine the balance principle of the credit agreement at KPRI Asih Surakarta Cooperative and find out the obstacles, as well as efforts to overcome the obstacles encountered in implementing the KPRI Asih Surakarta Cooperative credit agreement. This research method uses a normative juridical approach. The data source used is secondary data, in the form of primary and secondary legal materials. The data analysis method is guided by qualitative methods to produce descriptive analytical information. The results of the study show that the position between cooperatives and customers in making agreements theoretically does not reflect the principle of balance. Borrowers do not have the freedom to determine the form and type of agreement. Cooperatives as business actors are required to draw up standard agreements in accordance with Law No.8/1999 concerning Consumer Protection, Financial Services Authority Regulation No.1/POJK.07/2013 Consumer Protection in the Financial Services Sector, and Financial Services Authority Circular Letter No.13 /SOJK.07/2014 Concerning Standard Agreements, with the aim that the rights of the parties, especially the borrower, are better protected and to avoid an imbalance between the parties which will end up harming the borrower. The implementation of the credit agreement at the KPRI Asih Surakarta Cooperative relatively shows obedience between the parties. The obstacles faced in the KPRI Asih Surakarta Cooperative credit agreement are a lack of understanding of the contents of the savings and loan agreement contract, the debtor is negligent/late in his obligation to pay off the debt, the debtor breaks his promise/defaults on the agreement agreed at the beginning of the contract. The cooperative method when a default occurs is carried out by collecting efforts, by sending warning letters to problematic customers, if the reprimand does not produce results, deliberations will be carried out and if it is still unsuccessful, it will be submitted to the Surakarta District Court.

Item Type:	Thesis (Skripsi)
Uncontrolled Keywords:	Perjanjian, Perjanjian Kredit, Koperasi
Subjects:	K Law
Divisions:	Fakultas Hukum > Hukum
Depositing User:	ZAIN SAPUTRA
Date Deposited:	30 May 2023 02:05
Last Modified:	30 May 2023 02:05
URI:	http://eprints.ums.ac.id/id/eprint/113254

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