Nurlaili, Ayu (2024) Pelaksanaan Perjanjian Simpan Pinjam Pada Usaha Ekonomi Desa Simpan Pinjam (ued-sp) Bukit Lipai Mandiri Kecamatan Batang Cenaku Kabupaten Indragiri Hulu. Other thesis, Universitas Islam Riau.

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Abstract

Savings and Loans Village Economic Business (UED-SP) is regulated by Minister of Home Affairs Regulation (Permendagri) Number 6 of 1998 concerning Savings and Loans Village Economic Business (UED-SP). Article 1 letter d states that: "Village Savings and Loans Economic Enterprise (UED-SP) is an institution that operates in the field of savings and loans and is owned by the village/subdistrict community which is managed and managed by the village/subdistrict community." In the implementation of the savings and loan agreement carried out by the Economic Business of the Bukit Lipai Mandiri Savings and Loans Village (UEDSP) which was carried out by both parties, namely in written form, but the terms of the agreement submitted by the UED-SP were not open and only valid to the parties. UED-SP only, while the borrower is obliged to comply. And also the problem that occurs lies in the interest rates being too high which is very burdensome for creditors. This type of research can be classified as a type of sociological (empirical) legal research, because in this research the author directly conducts research at the location or place being studied in order to provide a complete and clear picture of the problem being studied. The conclusion of this research is that villages have the authority to form savings and loans for village economic businesses (UED-SP) such as in Bukit Lipai Mandiri Village, Batang Cenaku District. The savings and loan business in Bukit Lipai Mandiri Village, Batang Cenaku District was formed based on the basis of the Village Deliberation with a system that can apply for loans to the entire Village community without an assessment of the ability category based on lending performance and the problems of bad credit and default that occur in the Savings and Loans Village Economic Business ( UED-SP) Bukit Lipai Village is due to creditors' lack of knowledge regarding the loan granting process and debtors often assume that the savings and loan business is a grant that can be given at any time. The suggestion is that the authority to form savings and loans in the Village economic business (UED-SP) Bukit Lipai Mandiri, Batang Cenaku District can be done by changing the savings and loan business partnership system so that it further improves the education and achievement of debtors and the need for legal action in terms of resolving bad credit needs to be done with improving the credit or loan granting system and related debtors who do not have good faith, there needs to be steps to eliminate interest and fines, further efforts in the form of summons 1 to 3 and if they do not meet the achievements then a simple lawsuit is needed

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