Tinjauan Penyelesaian Kredit Macet Usaha Simpan Pinjam Melalui Alternatif Mediasi Pada Bumdes Sialang Parit Desa Rawang Kao Barat Kecamatan Lubuk Dalam Kabupaten Siak

Aprita, Selly (2020) Tinjauan Penyelesaian Kredit Macet Usaha Simpan Pinjam Melalui Alternatif Mediasi Pada Bumdes Sialang Parit Desa Rawang Kao Barat Kecamatan Lubuk Dalam Kabupaten Siak. Other thesis, Universitas Islam Riau.

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Abstract

Bad credit is credit or debt that cannot be repaid by the debtor for some reason so that resolves the problem to a third party or executes collateral. One of the business sectors of the Sialang Parit Village Owned Enterprise is a Savings and Loan Business. Where the Savings and Loan Business is not all going well, there are several customers who default. Negative customer behavior is negligence in paying credit installments, even though it has been given a warning letter 3 times. The settlement of non-performing loan disputes is carried out through a mediation settlement process. Which is a good choice, because in the process of dispute resolution through mediation that will later provide a way out of the problem. Whereas in reality the mediation process carried out against the debtor did not find a good level of problem solving, because according to the author's research, the writer found that mediation was not yet effective in resolving the bad credit dispute. The main problem of this research is How is the Implementation of Savings and Loans Agreement village-owned business entity of Sialang Parit Rawang Kao Barat Lubuk Dalam of Siak District and How is the effectiveness of arbitration in dispute resolution when overdue occurs in the savings and loan business village-owned business entity of Sialang Parit Rawang Kao Barat Lubuk Dalam the district of Siak and What are the legal consequences if alternative mediation is not reached. This research can be classified as observational research with a survey method. The nature of this research is descriptive which illustrates the facts studied in the field. The data that used are primary data and secondary data. The result of the discussion from this research is that the village-owned business entity of Sialang Parit Savings and Loan Business agreement is not going well, many violations have been carried out so as to arise which is called bad credit. And the settlement of bad credit disputes with mediation conducted on the customer did not find a good level of problem resolution, because there are several customers who the authors found there was no point for solving the problem that caused the mediation process has not been effective to resolve the dispute. Funds when the mediation process is not reached, the legal remedies undertaken by creditors are the execution of collateral.

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