ANALISIS YURIDIS EMPIRIS TERHADAP PERJANJIAN PINJAM MEMINJAM UANG DI KOPERASI DAN PENYELESAIAN WANPRESTASI-(STUDI KASUS PADA KOPERASI DANA UTAMA)

This study discusses default by debtors in loan agreements, particularly in relation to late installment payments. Default occurs when debtors fail to fulfill their obligations as stipulated in the agreement, namely by failing to make payments by the agreed due date between the creditor and debtor. The purpose of this study is to identify the forms of default and the mechanisms for resolving them in cooperative lending practices. The method used in this study is an empirical legal approach, which examines applicable legal norms while studying legal facts that occur in society. This research was conducted by observing lending and borrowing practices directly in the field, particularly in the cooperative environment. In practice, cooperatives require collateral in the form of vehicle registration certificates (BPKB) for both two-wheeled and four-wheeled vehicles, and may also accept certificates of ownership (SHM) as collateral. Cooperative loan interest rates generally exceed 2%, with a maximum repayment period of two years. The savings and loan system is mandatory for cooperative members, consisting of basic savings and mandatory savings. In the event of default, cooperatives prioritize amicable resolution and consultation. This approach is taken to understand the reasons for delays and find the best solutions so that debtors can fulfill their obligations without burdening either party.