PELAKSANAAN PERJANJIAN SIMPAN PINJAM DENGAN JAMINAN FIDUSIA PADA KOPERASI UNIT DESA (KUD) TUNAS BARU SEKAR MENGKUANG KAB. BUNGO PROVINSI JAMBI

Abstract

ABSTRACT

Economic enterprise of Tunas Baru is one of the economic enterprise of savings and loan at Sekar Mengkuang of Bungo regency and have a sector effort that is unit of savings and loan, and also financial capital addition. It takes an insurance agency known as Fiducia institution , where from of loan guaran tees that the object is still considered moving object. But autority given of that things, given the economic enterprise (KUD). The problem of this research is how is the implementation of a savings and loan agrement encountered and the settlem ent of is’s. Kond of the research is sociology yuridis, the result of the data is interviu, which the manger and the member of the Tunas Baru economic enterprise (KUD) at Sekar Mengkuang. The result reveal that the implementation of activities savings and loan in Tunas Baru economic enterprise of Sekar Mengkuang, the main reguiremen is to become a member of the economic enterprise. Then look at the income of the borrower and adjusted by the amount of the loan. The goods collateral is BPKB (Books Motor Vehicle Owners) of gorrower. The constrains faced is, 1) deviation from the provisions of the loan agrement, 2) the installments are not in acc dance with its schedule, 3) the decline in the financial condition of the borrower, 4) the decreased cooperative attitude of borrowers, 5) the decline in the value of collateral provided, 6) the amergency of family problems. The non performing loans in the from of settlement Tunas Baru economic enterprise (KUD), 1) persuasive approach that warning letters from economic enterprise, reprimand sell their own goods warranty, 2) if the firs phase is less successful then take ection against the fiducia, res ponsibility rights.

Key words : Savings, Loan, Guarantee, Fiducia.