Pelaksanaan Perjanjian Simpan Pinjam Anggota Koperasi (Studi Kasus Koperasi Simpan Pinjam Prima Umega)

Kalvari, Kalvari (2022) Pelaksanaan Perjanjian Simpan Pinjam Anggota Koperasi (Studi Kasus Koperasi Simpan Pinjam Prima Umega). Other thesis, Universitas Islam Riau.

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Abstract

Cooperatives are people's economic movements that are managed using the principle of kinship and the principle of togetherness. In Article 1 point 1 of Law no. 25 of 1992 concerning Cooperatives, what is meant by cooperatives is "business entities consisting of individuals or cooperative legal entities with the basis of their activities based on cooperative principles as well as a people's economic movement based on the principle of kinship. The main problem in this research is How is the Implementation of the Savings and Loan Agreement by Members at the Prima Umega Cooperative and What are the inhibiting factors in the Implementation of the Savings and Loan Agreement by Members at the Prima Umega Cooperative The method used in this research according to its type is empirical legal research, namely a legal research method that uses all empirical facts obtained from human behavior, either orally from interviews or directly by direct observation. While the nature of this research is descriptive analysis, namely describing or giving an overview of the data obtained from the field, namely regarding the implementation of the Cooperative Savings and Loans Agreement (Case Study of the Prima Umega Savings and Loans Cooperative). The results of the research that the authors obtained were the implementation of the savings and loan agreement from the prima umega cooperative seen from several aspects, namely, the members of the prima umega cooperative and the management of the prima umega cooperative and the prima umega cooperative had implemented a savings and loan agreement by fulfilling the requirements set by the cooperative, all cooperative organizations had factors that must be fulfilled by the applicant from the cooperative. And the inhibiting factor in the implementation of the savings and loan agreement by members of the Prima Umega cooperative is influenced by the inability of members to pay off loans and fines given in accordance with applicable regulations. The inhibiting factor is that the management of the Umega Prima Cooperative has provisions for asking for loans at the Umega Prima Cooperative. And there is bad credit, bad credit occurs because the member who made the loan cannot pay off and pay fines on the grounds of Covid which makes the member unable to make payments.

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