PENYELESAIAN WANPRESTASI ANTARA KELOMPOK SIMPAN PINJAM DENGAN KOORDINATOR KELOMPOK DALAM PERJANJIAN KREDIT PADA PROGRAM BUMDESMA KEC. BLUTO
Abstract
Abstrak
Program simpan pinjam BUMDesma Kec Bluto merupakan sarana yang bertujuan untuk memberdayakan ekonomi masyarakat lokal, meningkatkan usaha mikro, dan mendukung kemandirian keuangan. Hal tersebut merupakan upaya pemerintah untuk meningkatkan kesejahteraan masyarakat pedesaan. Penelitian ini bertujuan untuk mengetahui faktor penyebab terjadinya sengketa wanprestasi dalam perjanjian kredit antara kelompok simpan pinjam dengan koordinator kelompok di Desa Aengdake dan juga mekanisme penyelesaian sengketa tersebut. Penelitian ini menggunakan penelitian hukum yuridis empiris. Sumber data primer diperoleh melalui wawancara dan observasi, sedangkan data sekunder bersumber dari kajian pustaka. Analisis data yang digunakan adalah analisis deskriptif. Adapun hasil penelitian, (1) faktor utama penyebab terjadinya sengketa wanprestasi antara kelompok simpan pinjam dengan koordinator kelompok di Desa Aengdake pada program BUMDesma Kec. Bluto adalah faktor dari sisi internal si debitur dengan berbagai alasan, seperti ekonomi kurang stabil. (2) mekanisme penyelesaian sengketa yang diterapkan oleh BUMDesma adalah dengan musyarawah antara kedua belah pihak untuk menemukan titik temu (kesepakatan).
Kata Kunci: Wanprestasi, Kelompok Simpan Pinjam, Koordinator Kelompok, BUMDesma
Abstract
The Bluto District BUMDesma savings and loan program is a means that aims to empower the local community's economy, increase micro-enterprises, and support financial independence. This is the government's effort to improve the welfare of rural communities. This research aims to determine the factors causing default disputes in credit agreements between savings and loan groups and group coordinators in Aengdake Village and also the mechanism for resolving these disputes. This research uses empirical juridical legal research. Primary data sources were obtained through interviews and observations, while secondary data came from literature review. The data analysis used is descriptive analysis. As for the research results, (1) the main factors causing default disputes between savings and loan groups and group coordinators in Aengdake Village in the BUMDesma District program. Bluto is a factor from the debtor's internal side for various reasons, such as a less stable economy. (2) the dispute resolution mechanism implemented by BUMDesma is through deliberation between the two parties to find common ground (agreement).
Keywords: Default; Saving and Loan Groups; Group Coordinators; BUMDesma
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