Pelaksanaan Perjanjian Kredit Dengan Jaminan Fidusia Pada Koperasi Swamitra Cabang Cikpuan Di Pekanbaru

Hakiki, Aris (2020) Pelaksanaan Perjanjian Kredit Dengan Jaminan Fidusia Pada Koperasi Swamitra Cabang Cikpuan Di Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Cooperative is a social economic organization in the form of a legal entity that is not a form of concentration of capital. In the cooperative membership is based on voluntary interests that have the same rights and obligations. One form of cooperative is a loan and loan cooperative, which cooperatives help lower-class customers. In the increasingly fierce business competition so that many customers have bad loans that result in cooperatives requiring assistance through a swamitra pattern, which is a form of cooperation or partnership with Bank Bukopin to develop funds, and modernize the cooperative savings and loan business to improve cooperative performance and increase capital cooperatives to be more developed so they can realize prosperity and help members. The problem that occurs in this study is how the implementation of credit agreements with fiduciary guarantees in the cikpuan branch self-help cooperatives in Pekanbaru as well as the form of resolution of defaults that occur in the implementation of fiduciary collateral credit agreements at the cikpuan branch self-help cooperatives in Pekanbaru. The research method used was observational research by means of a survey, the authors conducted a direct study of the research location, namely in the swamitra cooperative Jalan Pope Number 42. F Pekanbaru City, to obtain the data needed by using data collection tools in the form of interviews and questionnaires and the nature of this study was descriptive, which means this study provides a description of a complete, detailed, and clear statement of the implementation of a credit agreement using fiduciary collateral at the Pekanbaru branch of cikpuan swamitra cooperative. The results of this study are that in the implementation of credit agreements with fiduciary guarantees in Pekanbaru cikpuan branch swamitra cooperatives do not fully run according to what was in the original agreement where the agreement was also agreed between the borrower (debtor), and the swamitra cooperative as a party funders (creditors). This is caused by the existence of one of the customers who defaulted on the credit agreement with the swamitra cooperative, so that there is an act of default that has been done by the customer, so this will be a problem that hinders the implementation of the credit agreement. The inhibiting factor is the late payment of credit made by customers to the cikpuan branch swamitra cooperative in Pekanbaru.

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