Fatma, Dea Indrian (2025) Penyelesaian Kredit Bermasalah Tanpa Anggunan Pada Badan Usaha Milik Desa Bersama (bumdesma) Bantan Madani Sejahtera Kecamatan Bantan Kabupaten Bengkalis Berdasarkan Undang - Undang No. 10 Tahun 1998 Tentang Perbankan. Other thesis, Universitas Islam Riau.

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Abstract

Bumdesma According to government regulation Number 11 of 2021, Bumdesma is a combination of two or more villages that both build Bumdesa, the purpose of Bumdesma is for the welfare of the village community, so that the two main points that Bumdesma needs to have are profit and benefit. It is through this Bumdesma institution that the process of economic empowerment of village communities is more effective because of the program designed by Bumdesma itself. One of the programs to improve the standard of living of the Indonesian people, including in the social and economic fields, is by providing loans or credit to people who need additional capital, but in practice there are still some customers who fail to fulfill their obligations The main problem in this study is the factors that cause the occurrence of Non-Performing Loans without collateral and how to resolve Non-Performing Loans Without Collateral in Bumdesma Bantan Madani Sejahtera, Bantan District, Bengkalis Regency Based on Law No. 10 of 1998 concerning Banking The research method used in this study is empirical legal research that allows researchers to go directly to the field, in order to collect primary data obtained from respondents through interviews and interviews. This research is descriptive, namely providing a report on the settlement of non-performing loans without collateral in joint village-owned enterprises (Bumdesma) Bantan madani sejahtera, Bantan District, Bengkalis Regency based on Law No. 10 of 1998 concerning banking. The results of the discussion of this study are the factors that cause nonperforming loans, researchers found that most of the time there are business failures and abuse of credit, in resolving problematic loans, several settlement patterns are applied, but the results are still not optimal due to the dysfunction of group institutions, negative provocations, so that often the settlement patterns applied are not in accordance with the cause of the problem and result in incompleteness Settlement.

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