Husli, Mutiarani (2025) Perlindungan Hukum Bagi Nasabah yang Dirugikan Dalam Perjanjian Tanggung Renteng Di PT. Permodalan Nasional Madani (PNM) Mekaar Syariah Cabang Perawang. Masters thesis, Universitas Islam Riau.

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Abstract

In the implementation of the Joint Liability system, in reality there are also problems, including borrower members (Main PNM Mekaar Members) defaulting on loan installments, so that PNM Mekaar Members and or those also called PNM Mekaar Members with Joint Liability, namely all group members are obliged to pay the installments of PNM Mekaar Members. In this study, what happened was that a person had a loan with a joint liability system with a total monthly installment of Rp. 2,090,925.00 (Two million ninety thousand nine hundred and twenty-five rupiah), the PNM Mekaar Member during his credit period experienced losses in the business he owned so that he could not pay the installments. This is what motivated the author to raise the title Legal Protection for PNM Mekaar Members for Loans Using the Joint Liability System at the Mekaar Cooperative, Perawang Branch. The main problem in this study is what form of legal protection is for PNM Mekaar members and the resolution of problematic loans using the joint liability system at the Mekaar Cooperative, Perawang Branch. This research is classified as sociological and observational research. The object of this research is the settlement of joint liability based on sharia principles and legal protection for PNM Mekaar customers regarding the settlement of problematic loans using the joint liability system. The settlement of joint liability at PNM Mekaar Syari'ah in Perawang based on sharia principles found obstacles that made it difficult for creditors to collect payments from debtors. In practice, various problems are still found, including debtor default due to business that is not running smoothly, double loans, and weak supervision. Legal protection for PNM Mekaar members for problematic loans using the joint liability system has not been regulated firmly 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 the loan ceiling using the joint liability system and does not regulate the order to debtors to return joint liability funds, which system is a guarantee for the cooperative for the funds that have been disbursed.

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