Kurnia R., Yenri (2025) Perlindungan Hukum Bagi Anggota Koperasi Atas Pinjaman Bermasalah Yang Menggunakan Sistem Tanggung Renteng Pada Pnm Mekaar Kecamatan Rengat Barat Kabupaten Indragiri Hulu. Other thesis, Universitas Islam Riau.

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Abstract

In the implementation of a joint responsibility system, in reality there are also problems, among others, members of the borrower (the main debtor) carry out loan installment default, so that the debtor and or also called the debtor of the joint responsibility, namely all group members are obliged to pay debtor installments. In this study what happened was that a person had a loan with a joint responsibility system with a total installment every month was Rp. 2,090,925.00 (two million ninety thousand nine hundred twenty -five rupiah), the debtor in his credit period suffered a loss in the business he had so that he could not pay the installments. This is the background of the author to raise the title of legal protection for cooperative members for loans that use a joint responsibility system in the Mekaar Cooperative, Rengat Barat District, Indragiri Hulu Regency. The main problem in this study is how a form of legal protection for cooperative members and problematic loan settlement that uses a joint responsibility system in the Mekaar Cooperative, Rengat Barat District, Indragiri Hulu Regency. This research belongs to the sociological research and observation of the object of this study is legal protection for cooperative members to the settlement of problem loans using a joint responsibility system. Legal protection for PNM Mekaar members for troubled loans that use a joint responsibility system has not been regulated explicitly and clearly as stated in the Decree of the Minister of State and Cooperatives No. 96/Kep/M.KUKM/IX/2004, because the Ministerial Decree does not regulate loan ceilings that use a joint responsibility system and does not regulate orders to debtors to return funds jointly and severally, in which this system is a guarantee for cooperatives for funds that have been issued. Settlement of problem loans using the joint responsibility system at PNM Mekaar found obstacles where creditors found it difficult to charge debtors to pay off their obligations, and after being traced it turned out that the debtor suffered losses in his business, this caused default by the debtor. Another difficulty factor is where the debtor is always absent from the group meeting agenda related to the settlement of group joint responsibility obligations, this causes PNM Mekaar members to have difficulties in resolving these problem loans. Keywords : Debtor, joint responsibility, and cooperative

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