CD Skripsi

Upaya Hukum Dalam Penyelesaian Kredit Bermasalah Pada Nasabah Bumdes Mekar Lestari Desa Hulu Teso

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Badan Usaha Milik Desa (BUMDes) are financial institutions that have an important role in supporting the local economy in Indonesia. BUMDes provides financial services, such as savings, small business credit, and consumer loans, to help move the wheels of the economy. Problematic credit and insufficient collateral for credit bills are matters that must be resolved by BUMDes Mekar Lestari, although BUMDes has its own way of resolving these problems as well as related laws and regulations, but sometimes the resolution does not go smoothly, such as providing goodwill from customers. in settling his debts. The purpose of this study is to determine the factors that cause non-performing loans and legal remedies in resolving non-performing loans at BUMDes Mekar Lestari in Hulu Teso village.
This research is sociological legal research. This is based on real behavior as an unwritten social phenomenon, which is experienced by every individual in social life. This research uses primary data sources, namely direct interviews with relevant respondents and secondary data sources in the form of related laws, journals and books. This research uses qualitative data analysis and produces descriptive data.
From the results of the research and discussions carried out, several conclusions were obtained, firstly, the factors causing problematic credit at BUMDes Mekar Lestari Desa Hulu Teso city is caused by two factors, namely: Internal factors, namely factors in the BUMDes Mekar Lestari itself, namely the lack of caution in credit analysis before finally providing credit to customers. External factors, namely customer factors, namely the customer's inability to use the credit provided and the Covid-19 outbreak which affects the customer's business. Apart from credit problems, other problems that arise at BUMDES Mekar Sari has customer funds that are insufficient for credit bills, this is caused by a lack of fund analysis carried out by the Credit Committee. Second, legal efforts to resolve problem loans at BUMDes Mekar Lestari is divided into two methods, namely: Non-Litigation, the first method is through negotiation, this method is carried out in three forms, namely, Rescheduling, Reconditioning and Resctruction. Apart from negotiations, BUMDes efforts to resolve credit problems are through mediation using the services of advocates as mediators. Litigation efforts can be taken by BUMDes if preventive methods cannot resolve credit problems, generally this method is used because non-litigation efforts encounter obstacles, such as ensuring the good faith of customers in completing their obligations..
Keywords: BUMDES, Problem Credit, Settlement of Problem Credit.

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

1909112275

Penerbit

Pekanbaru : Universitas Riau - F. Hukum - Hukum Perdata., 2024

Deskripsi Fisik

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Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

1909112275

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

HUKUM PERDATA

Info Detail Spesifik

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Pernyataan Tanggungjawab

Vina

Versi lain/terkait

Lampiran Berkas

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