Akibat Hukum Wanprestasi Dalam Perjanjian Kredit Pada Credit Union (Cu) Maduma Manduamas (Studi Di Cu Maduma Manduamas Tapanuli Tengah)

Abstract

Koperasi Credit Union adalah salah satu kegiatan pemberdayaan ekonomi yang bisa melakukan kegiatan simpan pinjam dan melibatkan banyak kalangan masyarakat, lintas agama bahkan lintas usia, agar mereka bertanggung jawab akan masa depannya masingmasing. Dalam melakukan pinjaman khususnya di Credit Union Maduma Manduamas perlu melakukan permohonan dan perjanjian kredit. Suatu hal yang sering timbul dalam perjanjian kredit adalah masalah cidera janji (wanprestasi), yang dapat berupa keterlambatan pengembalian kredit sebagaimana diperjanjikan atau yang disebut dengan kredit macet. Bagaimana prosedur perjanjian pinjaman di Credit Union Maduma Manduamas, bagaimana akibat hukum wanprestasi dalam perjanjian kredit di Credit Union Maduma Manduamas, bagaimana faktor penghambat pada proses penyelesaian wanprestasi dalam perjanjian kredit di Credit Union Maduma Manduamas. Adapun penelitian ini bersifat normatif, dengan teknik pengumpulan data melalui penelitian kepustakaan dan penelitian lapangan. Sehingga diperoleh hasil bahwa proses perjanjian pinjaman di Credit Union Maduma Manduamas wajib menjadi anggota terlebih dahulu, kemudian mengisis formulir permohonan peminjaman, membuat perjanjian dan menyerahkan jaminan pinjaman. Akibat hukum wanprestasi dalam perjanjian kredit di Credit Union Maduma Manduamas maka akan dilakukan penjualan objek jaminan dengan persetujuan kedua pihak. Faktor penghambat proses penyelesaian wanprestasi dalam perjanjian kredit di Credit Union Maduma Manduamas yaitu peminjam menghindar pada waktu pengurus kredit datang melakukan penagihan dan menundanunda waktu pelunasan kredit. Diharapkan CU Maduma Manduamas menetapkan proses Perjanjian Kredit lebih konsisten dan harus lebih tegas menindak debitur yang melanggar perjanjian sesuai hukum serta CU Maduma Manduamas meningkatkan pengawasan kepada debitur terutama untuk agunan yang diberikan lebih dipertimbangkan sesuai dengan nilai pinjaman yang dilakukan. The Credit Union Cooperative is one of the economic empowerment activities that carry out savings and loan activities and involve many groups of people, across religions and even ages, so that they are responsible for their respective futures. In making a loan, especially at Credit Union Maduma Manduamas, it is necessary to make a credit application and agreement. One thing that often arises in credit agreements is default problems, which can be delays in returning credit as agreed or named a non-performed loan. The problems of the study were what procedure for the loan agreement at Credit Union Maduma Manduamas was, what legal consequences of default in the loan agreement at Credit Union Maduma Manduamas were, and what inhibiting factors in the default settlement process in the loan agreement at Credit Union Maduma Manduamas were. This research was normative, with data collection techniques through library research and field research. So the results obtained that the loan agreement process at Credit Union Maduma Manduamas had to become a member first, then fill out the loan application form, make an agreement, and submit loan guarantees. Due to legal consequences of default in the loan agreement at Credit Union Maduma Manduamas, the sale of the collateral object would be conducted with the agreement of both parties. The inhibiting factor in the default settlement process in the loan agreement at Credit Union Maduma Manduamas was that the borrower avoided when the credit manager came to collect and delayed the credit repayment time. It hoped that CU Maduma Manduamas would establish a more consistent Loan Agreement process and should take more firm action against debtors who violated the agreement based on the law, and CU Maduma Manduamas would increase supervision on debtors, especially for the given collateral needed more consideration based on the value of the loan made.