Tinjauan Yuridis Penyelesaian Hukum Terhadap Penagihan Kredit Simpan Pinjam yang Sudah Jatuh Tempo (Penelitian pada Koperasi Unit Desa SAWITRA Kabupaten Rokan Hulu Riau)

Abstract

Cooperatives are a joint business entity that struggles in the economic field by fulfilling the right and steady path with the aim of freeing its members from the economic difficulties that are generally suffered by them. And cooperatives are legal entities based on family principles whose members consist of individuals or legal entities with the aim of welfare of its members. The purpose of cooperatives in general is to lift poverty together and to improve the welfare of the community as a whole. The cooperative offers a savings and loan system for its members, in which deposits are channeled to members in the form of credit. The problem in this study is how the Legal Settlement Process Against Members of KUD SAWITRA, Rokan Hulu Regency, Riau, which carries out a credit and savings loan that has matured. The purpose of this study is to answer the problem statement above. The research method used is normative juridical, and the data collection techniques used are Library Research, namely research conducted based on reading sources, namely Law, books, scientific research, scientific articles, mass media, and legal journals relating to the material discussed in this thesis proposal. In this study contains primary data and secondary data. Field Research, namely by conducting direct research on the field. In this case, the researchers immediately conducted research into the SAWITRA Village Unit Cooperative, Rokan Hulu Regency, Riau by interview. Legal Settlement Process Against Members of KUD SAWITRA, Rokan Hulu Regency, Riau, which carries out credit savings and loans that have expired is in the event of a maturity savings and loan credit problem, namely through the consultation of the cooperative board to creditors. Before conducting the deliberation process, the cooperative first gives a warning letter to the creditor first, if it is not responded to for 2 to 3 months, then the KUD will carry out the collateral seizure. The Cooperative Village Unit Cooperative will sell or auction the collateral provided by the creditor to the cooperative if the creditor is unable to make the payment and has agreed to make the auction for repayment of the debt