BORROWING MONEY ON CREDIT AGREEMENT COOPERATIVE SAVINGS AND LOANS SRI SEDANA KELIKI IN THE VILLAGE KELIKI TEGALLALANG UBUD GIANYAR
By : Mursal Evarianto
Faculties : Fakultas Hukum
Department : S1 Ilmu Hukum
It is known that most of Indonesian people live and reside in rural areas, where the need for a forum to foster the ability of rural communities to the realization of economic democracy that berasaskan kinship. The cooperative is building the company's most appropriate for the economy which is organized as a joint effort based on the principle of kinship. As Credit Unions located in the village of Tegallalang Ubud Gianyar Keliki named Credit Unions "Sri Sedana Keliki" engaged in savings and loans that provide convenience for members in particular and outside members to lend capital in general. The problems discussed namely, the legal consequences of default in a loan agreement to borrow money at Credit Unions Sri Sedana Keliki and settlement defaults pursued Credit Unions Sri Sedana Keliki. This type of research used is empirical legal research by interviewing sources at Credit Unions Sri Sedana Keliki. The approach used is the approach of the fact (the fact approach) and the approach of legislation (the statue approach). The results showed that the legal consequences of default in a loan agreement to borrow money at Credit Unions Sri Sedana Keliki is a debtor is required to pay for damages that have been suffered by the cooperative and the risk of turning on the debtor since no settlement of the loan in accordance with a predetermined time period. Completion of default on Credit Unions Sri Sedana Keliki done by way of non-litigation, the cooperative provides a warning letter to the debtor as much as three times that did not pay off arrears on time. Then the cooperative foreclosure collateral if the debtor can no longer fulfill his achievements and will then be sold by the cooperative then proceeds were used to repay the loan.
Keyword : Agreement, Borrowing Money, Credit Unions