Safira, Rulyana (2025) Efektivitas Penyelesaian Kredit Macet Dengan Cara Non-Litigasi Pada Unit Simpan Pinjam Pematang Jaya Tahun 2025. Masters thesis, Universitas Islam Riau.

Text skripsi_231021062_watermark.pdf - Submitted Version Restricted to Registered users only Download (3MB) | Request a copy

Abstract

The Savings and Loans Business by Pematang Jaya Village Owned Enterprises is a form of business that provides credit to help members and communities who need capital to run their businesses. In this case, the Pematang Jaya Savings and Loans Unit in providing credit cannot be separated from the existence of arrears or what is better known as bad credit committed by the borrower or beneficiary. The main problems in this research: 1) What is the effectiveness of resolving bad debts using non-litigation methods in the Pematang Jaya Savings Unit 2) What factors cause delays in resolving bad debts in the Pematang Jaya Savings Unit.. This type of research is by survey, research that takes samples from the population using interviews and questinaire as the main data collection tool. The nature of descriptive research is that it describes the current state of the subject or object of research based on facts that appear as they are. The analysis used is qualitative analysis and inductive conclusion drawing. The results of this research are that in resolving bad credit with collateral in savings and loan activities that occur at the Pematang Jaya Savings and Loans Unit, there are still 8 debtors with a percentage of (80%) who have not completed their installment payments on time while there are 2 debtors with a percentage of (20%). Have completed the installments. This data was taken based on 10 members of the Pematang Jaya Savings and Loans Unit. Apart from that, the credit grant agreement does not clearly state the procedures for implementing dispute resolution, so this refers to Law Number 30 of 1999 concerning arbitration and alternative dispute resolution outside of court. Where in this case mediation is used between debtors and creditors in the settlement by involving the village head as an advisor. Apart from that, the management of the Pematang Jaya Savings and Loans Unit also formed a team of collectors to assist in the settlement by visiting the debtor to provide a warning letter regarding the installments that must be paid and are due or otherwise the collateral will be confiscated by the Savings and Loans Unit. Regarding the factors that cause delays in settlement due to the debtor's lack of initiative to make installment payments on time and the creditor's lack of firmness in taking further action regarding credit problems that already include collateral.

Actions (login required)

View Item