Silvia, Eriene Febrina (2023) Pelaksanaan Perjanjian Simpan Pinjam Pada Koperasi Seinhu Jaya Abadi Berdasarkan Undang-undang Nomor 25 Tahun 1992 Tentang Perkoperasian Di Desa Gumanti Kecamatan Peranap Kabupaten Indragiri Hulu. Other thesis, Fakultas Hukum.

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Abstract

The Seinhu Jaya Abadi Cooperative, Gumanti Village, located in Peranap District, Indragiri Hulu Regency, is a Savings and Loans Cooperative that was just established in 2019, the aim is to help the economic conditions of its customers or members. This study aims to determine the implementation of savings and loan agreements in cooperatives based on applicable law in Indonesia, and to find out the obstacles in the process of saving and loan installment agreements. However, in its implementation, there are still obstacles in the cooperative, one of which is in the process of implementing the savings and loan agreement, there are defaults committed by members/customers in the installment payment process. The main issues raised were the Implementation of the Savings and Loan Agreement and the Inhibiting Factors and How to Overcome the Obstacles of the Implementation of the Savings and Loan Agreement in the Seinhu Jaya Abadi Cooperative, Gumanti Village, Peranap District, Indragiri Hulu Regency. The author uses empirical sociological methods in the form of data collection by going directly to the field with data collection tools in the form of questionnaires and interviews with the parties involved in this research. Meanwhile, in terms of the nature of this research, it is descriptive-analytic, namely research that describes and explains the situation in the field. The results of the study indicate that the Implementation of the Savings and Loan Agreement at the Seinhu Jaya Abadi Cooperative, Gumanti Village, Peranap District, Indragiri Hulu Regency, namely members/customers do not carry out one of the agreement principles contained in the principles of the agreement, namely the principle of trust (Vertrouwens Beginsel) means that everyone who will enter into an agreement will fulfill every achievement that is held between them at a later date, whereas in this study some customers did not carry it out. And the inhibiting factors in the implementation of agreements in Cooperatives include the problem of delays in paying installments made by customers/members of the Cooperative which disrupts the process of implementing savings and loans. It is better if the Cooperative is more assertive in dealing with the problem of late paying installments and imposing sanctions according to what is in the agreement.

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