TINJAUAN YURIDIS SOSIOLOGIS PERJANJIAN TANGGUNG RENTENG SEBAGAI UPAYA KOPERASI DALAM MENEKAN KREDIT MACET (Studi Di Koperasi Mawar Putih Malang)

Arizona, Meiki (2010) TINJAUAN YURIDIS SOSIOLOGIS PERJANJIAN TANGGUNG RENTENG SEBAGAI UPAYA KOPERASI DALAM MENEKAN KREDIT MACET (Studi Di Koperasi Mawar Putih Malang). Other thesis, University of Muhammadiyah Malang.

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Abstract

Cooperation Is a financial institution that has a democratic economical characteristic. it has been regulated in our constitutional, it is UUD RI year 1945, that is why it has to be existed by us and don’t let this cooporation eliminate because of bad credit. This research has taken two research problem, they are : 1. How does the joint responsible agreement run in credit agreement in koperasi mawar putih malang? This agreement included few aspects, which are : a. Joint responsible agreement procedure that related to loan offer by a member of the coorporation. b. Right and obligation of member of coorporation in loan offer agreement. 2. Why joint responsible agreement can be effective to reduce the bad credit in koperasi mawar putih malang? This research is using sosiologic yuridical approachment method, which are interview and observation to the management and member of koperasi mawar putih malang as data collecting technique and these are primary data. the result from the research will be analized with descriptive analysis. It has been proven that joint respnsible agreement is effective to reduce the bad credit in koperasi mawar putih malang. It can be proven from 1. Joint responsible agreement procedure. this procedure is to offer a loan and it has to be agreed minimum 50 % + 1 or 70 % of member in a particular group. 2. Right and obligation of member in loan offer agreement have the right to get help in payment of loan that had been lent and have to pay the loan they had borrowed through the group guarantor. 3. In fact, joint responsible agreement is effective to reduce the bad credit, and it can be proven in koperasi mawar putih financial report from year 2006, 2007, and 2008. Joint responsible agreement can reduce the bad credit by helping other member of one group loan payment with Joint responsible cash, group cash and member spontanity because completeness of group loan deposit is a particular group responsibility. However, loan payment failure always exists, but loan payment will always be paid in time and that makes cooperation get the benefit from it and the member that had been helped by its group, must repay the help to the group. Suggestion is to raise the loan offer value of koperasi mawar putih for the member of cooperation with maintaining joint responsible agreement that has been used this long.

Item Type: Thesis (Other)
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 04 Apr 2012 02:23
Last Modified: 04 Apr 2012 02:23
URI: http://eprints.umm.ac.id/id/eprint/1789

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