Revina, Abel Austin (2025) Penyelesaian Kredit Macet Dalam Perjanjian Simpan Pinjam Di Koperasi Unit Desa (kud) Mekar Abadi Desa Tasik Juang Kecamatan Lubuk Batu Jaya Kabupaten Indragiri Hulu. Other thesis, Universitas Islam Riau.

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Abstract

Village unit cooperative is an all-enterprise cooperative with members, villagers and located in rural areas, its working area usually covers one subdistrict area. One of the areas of cooperative business that is felt increasingly needed by the community is the problem of savings and loans. Then as well as the Village Unit Cooperative (KUD) Mekar Abadi located in Tasik Juang Village Lubuk Batu Jaya District Indragiri Hulu Regency in running a cooperative business. Therefore, KUD Mekar Abadi is expected to offer solutions and assistance for cooperative members to obtain funds. Thus, the success of the Cooperative in managing funds is an important indicator of the success of the Cooperative. However, non-performing loans also occur in KUD Mekar Abadi which can be one of the causes of obstruction of cooperative development in fulfilling its objectives and reducing cooperative performance. The main problem in this study is what are the factors causing nonperforming loans in savings and loan agreements in KUD Mekar Abadi Village Tasik Juang Lubuk Batu Jaya District Indragiri Hulu Regency and how the settlement of non-performing loans in savings and loan agreements in KUD Mekar Abadi Village Tasik Juang Lubuk Batu Jaya District Indragiri Hulu Regency. The research method used in this research is empirical legal research that makes researchers go down to the field, to obtain primary data obtained from the results of interviews and questionnaires, this research is based on the results of the research. The results of the discussion of the research, it can be seen that the factors behind the occurrence of non-performing loans in KUD Mekar Abadi consists external factors and internal factors. Then the completion of non-performing loans at KUD Mekar Abadi is by way of negotiation. However, if the method does not produce results then credits rescue is done such as rescheduling, reconditioning, restructuring, liquidation.

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