WANPRESTASI DALAM PEMBAYARAN UTANG DI KOPERASI MAJU BERSAMA CABANG LUBUK SIKAPING KABUPATEN PASAMAN

Abstract

ABSTRACT One of the Government's concentrations in economic activity is to increase the independence and existence of Small and Medium Enterprises (MSMEs), so that the government mobilizes cooperative activities, including savings activities with soft interest. In fact, there are still many default problems that often occur in cooperatives. Problem formulation 1) How is the settlement of default by the debtor in a credit agreement at the Lubuk Sikaping branch of Maju Bersama Cooperative? 2) What are the factors causing the occurrence of default by the debtor in the implementation of the credit agreement at the Cooperative 3) What efforts are made by Maju Bersama Cooperative Lubuk Sikaping Branch as a creditor in resolving defaults?. This research uses a sociological juridical approach to obtain primary data. Data collection techniques are interviews, document studies qualitative data analysis. The conclusion of the research results, How to Settle defaults in cooperatives in a peaceful way, namely the family way, Factors causing defaults, namely, the inability of cooperative management to identify prospective customers, the effort made by the cooperative is to cut employee bonuses by 15%, and limit loans to customers who want to apply for credit loans again.