Setiawan, Herman (2024) Penyelesaian Wanprestasi Pada Perjanjian Kredit Antara Nasabah Dengan Badan Usaha Milik Desa (bumdes) Bertuah Desa Talikumain Kecamatan Tambusai Kabupaten Rokan Hulu. Other thesis, Universitas Islam Riau.

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Abstract

Bumdes Bertuah Desa Talikumain provides loans to the community in the form of business loans, credits cause receivable agreements.In granting credit, BUMDesa must adhere to the principle of prudence. This precautionary principle is manifested in the form of a savings and loan agreement with guarantees to the Philosopher's Bumdes of Talikumain Village, but in its implementation some debidur defaulted on the credit they borrowed at Bumdes. Based on the background above, the problems studied are what are the factors causing the default in the credit agreement at the Philosopher's Bumdes of Talikumain Village, Tambusai District, Rokan Hulu Regency. And how to resolve the default on the credit agreement at the Philosopher's Bumdes, Talikumain Village, Tambusai District, Rokan Hulu Regency The type of research used by seseological law is research that looks at the circumstances in the field. Population and sample withdrawal in this study is by purposive sampling, namely sampling that is only adjusted to the purpose of research, The research location is in Bumdes Bertuah, Talikumain Village, Tambusai District. The population in this study was 100 debtors, then used as a sample, namely 20 people, 1 commissioner / secretary and 1 Director of Bumdes Bertuah Talikumain. The results of the study show that the factor that causes default in this matter is the lack of supervision from the village government. Basically, the village government has handed over the task to Bumdes employees, but the role of the village government is also very necessary so that the community can commit fraud, The first step taken by Bumdes is to provide a waiver letter every three months to customers who default. After three consecutive warnings, if the customer still does not pay the arrears, the Bumdes will report to the village, the village will then process both by calling the customer to come to the village office and then deliberate with the village apparatus, what future steps must be done, auction collateral from the customer

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