CD Skripsi
Wanprestasi Terhadap Perjanjian Pembiayaan Investasi Di Badan Usaha Milik Desa Gerbang Lestari Desa Deluk Kecamatan Bantan Kabupaten Bengkalis
Investment financing is the financing of capital goods and services needed
for business/investment activities, rehabilitation, modernization, expansion, or
relocation of business premises/investment provided to debtors. The investment
financing carried out by the Gerbang Lestari Deluk Village is to provide
unsecured loans to customers who have become members of the Gerbang Lestari
Deluk Village by the financing agreement that has been made and agreed. But in
reality in the investment financing agreement, the customers have defaulted.
This type of the research can be classified in the type of sociological
research because in this study the authors directly research the location or place
of study to provide a complete and clear picture of the problem under study. This
research was conducted in the State-Owned Enterprises of Gerbang Lestari Deluk
Village, Deluk Village, Bantan District, Bengkalis Regency, while the population
and sample were all parties related to the problems examined in this study, data
sources used, primary data, secondary data and tertiary data, techniques data
collection in this study with interviews and literature study.
Based on the results of the study of the causes of customers to default, that
is, customers have failed in running their businesses, businesses run by customers
are substandard, and indeed the customer's lack of interest in making loan
repayments. In this case, the State-Owned Enterprises of Gerbang Lestari Deluk
Village makes it easy for customers to solve the problem of installment payments
by providing relief to borrowers of investment financing to choose whether to
make changes to the installment payment schedule or with changes in the
installment amount. However, if it is not implemented, the Gerbang Lestari Deluk
Village will take legal action by confiscating the assets of the customers whose
economic value is equal to the number of loan installments that have not been
paid. This is done following article 1131 of the Civil Code. The author's advice to
the Entity-Owned Enterprises of village Gerbang Lestari Deluk village to be able
to resolve the problem of default on investment financing made by customers,
because investment financing loan funds come from community savings. And it is
expected that the investment financing agreement made must use collateral in
anticipation of defaults made by customers in investment financing agreements.
Keywords: defaults, agreements, investment financing,village-owned enterprises
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