Praktek Perjanjian Simpan Pinjam Secara Lisan Di Koperasi Wanita Nastiti (Badan Hukum No.608/BH/IV/DISKOP&UKM/3/X/2008)

Ari Pratiwi, Atika (2022) Praktek Perjanjian Simpan Pinjam Secara Lisan Di Koperasi Wanita Nastiti (Badan Hukum No.608/BH/IV/DISKOP&UKM/3/X/2008). Other thesis, Universitas Islam Riau.

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Abstract

The purpose of cooperatives is to promote the welfare of members in particular and society in general and to participate in building the national economic order in order to create an advanced, just and prosperous society. Therefore, the Nastiti Pekanbaru Women's Cooperative was formed which carries out savings and loan business activities, namely organizing activities to save members' savings and channel them back in the form of credit, with the consideration that they can help pay for children's education and other household needs, of course by fulfilling the requirements that have been set. determined and agreed. The main problem in this research is how to practice verbal savings and loan agreements in the Nastiti women's Cooperative Pekanbaru and what are the constraints of oral savings and loan agreements in the women's cooperative Nastiti Pekanbaru. The research method used in this research is sociological legal research by means of a survey using data collection tools in the form of interviews and questionnaires. The nature of this research is descriptive qualitative, namely the analysis that seeks to provide detailed descriptions based on the facts found in the field regarding the practice of oral savings and loan agreements in the Nastiti Women's Cooperative Pekanbaru. The study used data grouped into secondary and primary data. Based on the results of research conducted by the author, the practice of oral savings and loan agreements at the Nastiti Women's Cooperative is preceded by submitting an application verbally. The agreement can occur orally because the reason is that the agreement may be made by anyone and then followed by the approval of prospective members in fulfilling the existing requirements. Obstacles to the savings and loan agreement at the Nastiti Women's Cooperative are the characteristics and abilities of members who want to borrow, the number of borrowers causing insufficient capital, customers making loans while the cooperative is collecting SHU funds, customers borrowing money above the maximum loan determined by the cooperative, payment Customer credit installments do not all go smoothly, Lack of trust in borrowers because the reasons given are sometimes illogical in borrowing funds from the Nastiti Women's Cooperative and these reasons do not guarantee legal certainty.

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