Juridical Review Of The Mechanism For Carrying Out Borrowing And Borrowing Agreements With A Bpkb Motorbike Guarantee At The Harapan Jaya CU Kopdit Kisaran

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Introduction

Cooperatives have become an integral part of the lives of Indonesian people, functioning to build the economy through the principles of economic democracy that include togetherness, kinship, and openness. One type of activity that is often carried out in cooperatives is loans, which often use guarantees in the form of BPKB Motor. In this study, the authors examined the mechanism for carrying out borrowing and borrowing agreements with a guarantee of BPKB Motor in the CU Harapan Jaya Kisaran Kopdit. The purpose of this study is to understand how the agreement is carried out, identifying problems that arise, and explore efforts to resolve disputes that may occur if a default occurs.

Methodology

The method used in writing this thesis is normative juridical, which is supported by field studies. Normative juridical research is a legal research that relies on library sources or secondary data consisting of primary, secondary, and tertiary legal materials. These legal sources are analyzed systematically to draw conclusions relevant to the problems under study. The author also conducted a field study at Kopdit CU Harapan Jaya Kisaran to get more in-depth information.

The Mechanism of Implementing a Loan-Lorrowing Agreement with Guarantee BPKB Motorbike

The results showed that the mechanism for implementing the Loan-Loan Agreement at the Harapan Jaya CU Kopdit began with the condition that prospective borrowers must become members of the cooperative. After becoming a member, the borrower must submit a letter of request and a guarantee item in the form of BPKB Motor will be assessed as a feasibility. If the guarantee item is declared feasible, the contract will be signed based on a mutual agreement, then the disbursement of funds will be carried out.

Problems that Often Arise in the Implementation of the Agreement

However, in practice there are several problems that often arise. One of the main problems is the misuse of the allocation of loan funds, which causes the implementation of the agreement not to run smoothly and increase the risk of default from members. Default is a condition in which one of the parties in the agreement does not meet its obligations in accordance with the agreement that has been made. This can be detrimental to all parties, especially for cooperatives that depend on the compliance of their members.

Efforts to Resolve Disputes that May Occur

When default occurs, efforts to resolve disputes carried out are usually through negotiations or deliberations. This approach is expected to produce a satisfying solution for both parties, while maintaining good relations between members and cooperatives. Through deliberations, members who have difficulty in payment can explain the situation encountered and find alternative solutions, such as restructuring payments.

Conclusion

In conclusion, the mechanism for implementing a loan-loan agreement with a guarantee of BPKB Motor in the CU Harapan Jaya Kisaran Kopdit requires special attention to the problems that arise, especially related to the management of loan funds. Strengthening education for cooperative members about the responsibilities and consequences of borrowing and borrowing is very important to minimize the risk of default. In addition, the development of a more stringent monitoring and evaluation system also needs to be considered so that the implementation of the agreement can run well and as expected.

Recommendations

Based on the findings of this study, the following recommendations are made:

  • The CU Harapan Jaya Kisaran Kopdit should strengthen education for cooperative members about the responsibilities and consequences of borrowing and borrowing.
  • The development of a more stringent monitoring and evaluation system is necessary to ensure that the implementation of the agreement can run well and as expected.
  • The CU Harapan Jaya Kisaran Kopdit should consider implementing a more effective system for managing loan funds to minimize the risk of default.
  • The CU Harapan Jaya Kisaran Kopdit should also consider implementing a more effective system for resolving disputes that may occur between members and cooperatives.

Limitations of the Study

This study has several limitations, including:

  • The study only examined the mechanism for implementing a loan-loan agreement with a guarantee of BPKB Motor in the CU Harapan Jaya Kisaran Kopdit.
  • The study did not examine the impact of the agreement on the economy of the region.
  • The study did not examine the impact of the agreement on the members of the cooperative.

Future Research Directions

Future research should focus on the following areas:

  • The impact of the agreement on the economy of the region.
  • The impact of the agreement on the members of the cooperative.
  • The development of a more effective system for managing loan funds to minimize the risk of default.
  • The development of a more effective system for resolving disputes that may occur between members and cooperatives.

Conclusion

In conclusion, this study provides a comprehensive review of the mechanism for implementing a loan-loan agreement with a guarantee of BPKB Motor in the CU Harapan Jaya Kisaran Kopdit. The study highlights the importance of strengthening education for cooperative members about the responsibilities and consequences of borrowing and borrowing, as well as the development of a more stringent monitoring and evaluation system. The study also provides recommendations for future research directions.

Q: What is the purpose of this study?

A: The purpose of this study is to understand how the agreement is carried out, identifying problems that arise, and explore efforts to resolve disputes that may occur if a default occurs.

Q: What is the method used in writing this thesis?

A: The method used in writing this thesis is normative juridical, which is supported by field studies. Normative juridical research is a legal research that relies on library sources or secondary data consisting of primary, secondary, and tertiary legal materials.

Q: What is the mechanism for implementing a loan-loan agreement with a guarantee of BPKB Motorbike?

A: The mechanism for implementing the Loan-Loan Agreement at the Harapan Jaya CU Kopdit began with the condition that prospective borrowers must become members of the cooperative. After becoming a member, the borrower must submit a letter of request and a guarantee item in the form of BPKB Motor will be assessed as a feasibility. If the guarantee item is declared feasible, the contract will be signed based on a mutual agreement, then the disbursement of funds will be carried out.

Q: What are the problems that often arise in the implementation of the agreement?

A: One of the main problems is the misuse of the allocation of loan funds, which causes the implementation of the agreement not to run smoothly and increase the risk of default from members.

Q: What are the efforts to resolve disputes that may occur?

A: When default occurs, efforts to resolve disputes carried out are usually through negotiations or deliberations. This approach is expected to produce a satisfying solution for both parties, while maintaining good relations between members and cooperatives.

Q: What are the recommendations for future research directions?

A: Future research should focus on the following areas:

  • The impact of the agreement on the economy of the region.
  • The impact of the agreement on the members of the cooperative.
  • The development of a more effective system for managing loan funds to minimize the risk of default.
  • The development of a more effective system for resolving disputes that may occur between members and cooperatives.

Q: What are the limitations of the study?

A: This study has several limitations, including:

  • The study only examined the mechanism for implementing a loan-loan agreement with a guarantee of BPKB Motor in the CU Harapan Jaya Kisaran Kopdit.
  • The study did not examine the impact of the agreement on the economy of the region.
  • The study did not examine the impact of the agreement on the members of the cooperative.

Q: What are the conclusions of the study?

A: In conclusion, this study provides a comprehensive review of the mechanism for implementing a loan-loan agreement with a guarantee of BPKB Motor in the CU Harapan Jaya Kisaran Kopdit. The study highlights the importance of strengthening education for cooperative members about the responsibilities and consequences of borrowing and borrowing, as well as the development of a more stringent monitoring and evaluation system.