CD Skripsi
Pelaksanaan Perjanjian Simpan Pinjam Pada Usaha Ekonomi Desa Simpan (Ued-Sp) Badan Usaha Milik Desa Muara Uwai Sejahtera Di Kecamatan Bangkinang Kabupaten Kampar
ABSTRACT
Muara Uwai Sejatera BUMD Savings and Loans Business as an institution engaged in providing capital/money assistance to the community with a position as creditors and community members/groups as debtors, in the Muara Uwai Sejahtera BUMD Savings and Loans Business activities have experienced developments both in terms of the number of members and from the amount of profit/profit obtained from the provision of public credit. Loans provided by the Muara Uwai Sejahtera BUMD are in accordance with the savings and loan agreement that has been made and agreed upon. But in fact in the agreement the customers have made negligence in the agreement or did not fulfill the obligations in the contract.
This type of research can be classified in the type of sociological law research (empirical), because in this study the author directly conducts research on the location or place under study in order to provide a complete and clear picture of the problem being studied. This research was conducted at the Pelalawan Police Resort, while the population and sample were the Chairperson of the Muara Uwai Sejahtera Village Owned Enterprise and Borrowing Customers in the Investment Financing Agreement. Sources of data used are primary data, and secondary data. Data collection techniques in this study were interviews, and literature review.
The conclusions that can be obtained from the results of the study are First, the implementation of savings and loans at UED-SP Muara Uwai Sejahtera did not run smoothly as it should have been specified in the agreement, many borrowers or debtors were in arrears or did not fulfill their obligations to pay loan installments every month to the the management of UED-SP Muara Uwai Sejahtera. However, the implementation of the savings and loans also provides tolerance in the event of a default if the borrower conducts deliberation to reach a consensus which is considered to be in good faith. Second, the constraints that occur in the implementation of savings and loans at UED-SP Muara Uwai Sejahtera, it is difficult to collect arrears made by the borrower, this happens because: bad character of some borrowers who deliberately do not pay monthly installments according to the agreement, and also caused by an analysis error from the UED-SP Muara Uwai Sejahtera to the candidate borrower. Third, the settlement of the savings and loan agreement at the Muara Uwai Village-Owned Sejahtera Sejahtera Village, Muara Uwai Village, begins with a consensus agreement first to see the good faith of the parties, but if there is a default, the settlement will also lead to the legal realm where default means negligence, negligence, breach of contract, does not fulfill its obligations in the agreement..
Keywords : Savings and Loans, Village Owned Enterprises, Agreements, Default.
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