PELAKSANAAN PERJANJIAN KREDIT ANTARA KOPERASI PEGAWAI NEGERI PEMERINTAH KABUPATEN AGAM DENGAN PT. BANK KESEJAHTERAAN EKONOMI CABANG PADANG
Abstract
The cooperation was established with the aim to improve the lives of its members and his family. One of them with their loans or credit to the member. But because of the limited capital owned by cooperatives and cooperatives need capital loan to run your business the cooperative. Now the formulation of problems among others: 1) How implementation and procedures of the credit agreement between the district government employees cooperative Agam with PT Bank Kesejahteraan Ekonomi Cabang Padang? 2) What is the reason and the benefits from the district government employees cooperative Agam? 3) whether obstacles that found with regard to the implementation of the credit agreement?. The type of research is that the judicial research sociological with the nature of descriptive research using primary data form interview, secondary data form of Primary legal materials and Secondary legal materials. The Data obtained in the analysis in qualitative research. From the research result can be deduced 1) Implementation of credit agreement had to meet the conditions of the legality of an agreement for the Article 1320 of Civil Code. Consists of several stages namely: petition credit, investigation sheaf loans,feasibility assessment, credit credit petition decision, credit agreement, realization of credit. 2)reasons as well as the benefits of cooperation that easy requirements, low interest and draw from other banks. 3) obstacles encountered in the implementation of credit agreement is no obstacle too means that could lead to default.
Key Words : The Covenant, Credit, Cooperatives, Bank Kesejahteraan
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