Penyelesaian Kredit Macet Pada Badan Usaha Milik Kampung (BUMKAM) Belading Sejahtera Di Kampung Belading Kecamatan Sabak Auh Kabupaten Siak

Fitriyanto, Ridwan (2022) Penyelesaian Kredit Macet Pada Badan Usaha Milik Kampung (BUMKAM) Belading Sejahtera Di Kampung Belading Kecamatan Sabak Auh Kabupaten Siak. Other thesis, Universitas Islam Riau.

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Abstract

One of the Business Units carried out by BUMKAM in Belading Village, Sabak Auh District, Siak Regency is to distribute credit to help members and the community who need capital to run a business. The high number of borrowers who are in arrears at the Village-Owned Enterprises (BUMKAM) in Belading Village, Sabak Auh District, Siak Regency causes the existing fund revolving system to experience inequality and is far from what is expected. The formulation of the problem is how to resolve bad loans and what are the obstacles to Bumkam Belading Sejahtera in Belading Village, Sabak Auh District, Siak Regency. The purpose of this research is to find out the implementation and what are the obstacles in the settlement of bad loans and what are the obstacles to Bumkam Belading Sejahtera in Belading Village, Sabak Auh District, Siak Regency. This research method is a sociological legal research, data collection techniques using interviews, and literature review. Respondents in the study were the Director of Bumkam, Administration and BUMKAM customers in Belading Village, Sabak Auh District, Siak Regency. The results showed that the settlement of bad loans at BUMKAM in Belading Village, Sabak Auh District, Siak Regency was carried out outside the court. The constraint factors in the Settlement of Bad Loans at Bumkam Belading Sejahtera in Belading Village, Sabak Auh District, Siak Regency are divided into two factors, namely internal factors: a) There is no warning from the Village Owned Enterprises (BUMKam) in Belading Village related to Bad Credit, b) The low level of supervision from the Village-Owned Enterprises (BUMKam) in Kampung Belading, c) The low level of education and understanding of laws and regulations, and d) There is mental erosion. As for external factors: a) Low level of education and understanding of the laws and regulations, b) Untrustworthy customer character, c) Side-streaming the use of funds, and d) Inadequate customer management ability so that they lose in the competition.

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