PELAKSANAAN PERJANJIAN SIMPAN PINJAM DENGAN JAMINAN FIDUSIA PADA KOPERASI UNIT DESA (KUD) TUNAS BARU SEKAR MENGKUANG KAB. BUNGO PROVINSI JAMBI
ABSTRACT: Economic enterprise
of Tunas Baru is one of the economic enterprise of savings and loan at Sekar
Mengkuang of Bungo regency and have a sector effort that is unit of savings and
loan, and also financial capital addition. It takes an insurance agency known
as Fiducia institution , where from of loan guaran tees that the object is
still considered moving object. But autority given of that things, given the
economic enterprise (KUD). The problem of this research is how is the
implementation of a savings and loan agrement encountered and the settlem ent
of is’s. Kond of the research is sociology yuridis, the result of the data is
interviu, which the manger and the member of the Tunas Baru economic enterprise
(KUD) at Sekar Mengkuang. The result reveal that the implementation of
activities savings and loan in Tunas Baru economic enterprise of Sekar
Mengkuang, the main reguiremen is to become a member of the economic
enterprise. Then look at the income of the borrower and adjusted by the amount
of the loan. The goods collateral is BPKB (Books Motor Vehicle Owners) of
gorrower. The constrains faced is, 1) deviation from the provisions of the loan
agrement, 2) the installments are not in acc dance with its schedule, 3) the
decline in the financial condition of the borrower, 4) the decreased
cooperative attitude of borrowers, 5) the decline in the value of collateral
provided, 6) the amergency of family problems. The non performing loans in the
from of settlement Tunas Baru economic enterprise (KUD), 1) persuasive approach
that warning letters from economic enterprise, reprimand sell their own goods
warranty, 2) if the firs phase is less successful then take ection against the
fiducia, res ponsibility rights.
Penulis: Sahrial, Elyana
Novira, Yofiza Media
Kode Jurnal: jphukumdd151376
