CD Skripsi
Pelaksanaan Perjanjian Hutang Piutang Dengan Cara Tanggung Renteng Dalam Usaha Kafe Kojo Di Pekanbaru
Economic growth cannot be separated from the increasingly developing role of MSME business actors. However, due to the Covid-19 outbreak that has attacked, it has disrupted the business stability of MSME players, requiring them to take out loans to sustain their business. Similarly, the owner of Café Kojo in Pekanbaru chose to enter into a loan agreement outside a banking institution to minimize interest, so the agreement was carried out in the form of a joint and several liability agreement under his own hands. However, economic instability made the Kojo café owner unable to pay off his debts, resulting in default and causing losses to his creditors. The aim of this research is; to find out the implementation of the rights and responsibilities of the parties in the joint liability agreement at Kafe Kojo and to find out the legal remedies that creditors can take for the debtor's default in the Kafe Kojo joint responsibility agreement.
This research is classified as a sociological legal method, because it was carried out by direct research in the field, namely at Kojo Cafe Pekanbaru with the main data collection coming from interviews conducted with sources, followed by secondary data obtained from literature, journals and other literature.
Based on the results of the research, there are two things that can be concluded, namely: First, the implementation of the rights and obligations between the creditor and debtor of the Kojo cafe owner, some of which have been realized and some which have not been realized, namely the creditor has provided a loan worth Rp. 93,000,000,- ( Ninety-three million Rupiah) and has the right to control the object used as collateral for the debt if the debtor is unable to fulfill his obligation to pay off the debt. Meanwhile, what has not yet been realized is that the debtor has received a loan from the creditor but the debtor has not fulfilled the obligation to pay off the debt amounting to IDR 126,480,000 (One Hundred Twenty-Six Million Four Hundred and Eighty Thousand Rupiah). Second, the legal remedy that can be taken if the debtor is in default is a civil lawsuit to the court to obtain legal force from the court for the rights that should be obtained. The debtor is obliged to pay off his debt to the creditor and hand over the certificate which is used as a collateral object to the creditor if he cannot carry out his obligations. This must be fulfilled as a form of responsibility in implementing the contents of the agreement. Meanwhile, what happened was that the debtor did not have good intentions to pay or even just communicate to resolve the problem amicably.
Keywords: Joint Liability-Agreement-Default
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