Pratama, Rezky Ananda (2023) Pelaksanaan Perjanjian Simpan Pinjam Pada Badan Usaha Milik Desa (bumdes) Bina Negeri Desa Gunung Sahilan Kecamatan Gunung Sahilan. Other thesis, Universitas Islam Riau.

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Abstract

Poverty is a sign that the area is not yet a developed area, one of the reasons is because the area is far from urban areas, making it difficult for people to meet their needs, in the village everything is completely limited. Therefore the village government creates a Village-Owned Enterprise with the intention of making it easier for the community to meet their needs while at the same time providing business capital loans to people in need, to overcome poverty and ignorance. The formulation of the main problems in this study are: First, how is the implementation of the savings and loan agreement at BUMDes Bina Negeri, Gunung Sahilan Village, Gunung Sahilan District. Second, what are the factors causing defaults in BUMDes Bina Negeri Desa Gunung Sahilan, Gunung Sahilan District. In this research, the type of research used is empirical legal research, which in other words is sociological legal research where this research is carried out directly to the field. As for the data and data sources that the authors used were secondary data, then the data collection techniques that the authors used were observation, interviews and documentation techniques. While the method of drawing conclusions that the author uses is the deductive method, namely pursing from the part which is a general problem to a more specific problem. The results of the research and discussion that the researchers found were first, the implementation of the savings and loan agreement at BUMDes Bina Negeri Gunung Sahilan Village went through several stages, namely the completeness of correspondence in the form of: KK, KTP, Collateral, verification of spaciousness, only after that disbursement of money, customers often falsify fill in the proposal by stating the use of the money for business capital, while in reality it is not used as written, therein lies the negligence of the BUMDes management who is not thorough in assessing potential customers. Second, the factors that cause defaults occur because customers do not use the money as business capital and there is also because the business they are running is experiencing bankruptcy. The process of resolving default disputes here is by giving the first, second, and third warning letters, by the BUMDes. After that, they sat down with village officials, only after that the collateral was auctioned off.

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