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All Journal Journal of Progressive Law and Legal Studies
Kalistus G. Wayong Huler
Universitas Katolik Widya Mandira Kupang
Humanities Decision Sciences, Operations Research & Management Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Journal of Progressive Law and Legal Studies

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Legal Protection of Creditors in Credit Agreements at Swastisari Kupang Credit Union Stefanus Don Rade; Mericiana Yulita Fin Tae; Firgilius Kandro Mego Asman; Kalistus G. Wayong Huler
Journal of Progressive Law and Legal Studies Том 1 № 02 (2023): May 2023
Publisher : Pt. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jplls.v1i02.81

Abstract

Credit Unions have an important role in improving the economy of the Indonesian people through joint efforts based on family principles, so cooperatives need to develop themselves further and be built to be strong and independent based on cooperative principles. In running its business, the suitable implements credit, a form of effort to process the capital owned from deposits and member donations, to achieve optimal results. A credit agreement is needed to avoid bad credit in the future as evidence of a contract between the creditor and the debtor. This is a reference to legal protection for the debtor. This research was conducted through the empirical juridical method using primary data sources, namely data obtained directly in the field. In terms of providing credit and collateral, there is often negligence by the debtor to the creditor. Hence, the creditor, in this case, the Swastisari Kupang Credit Cooperative, has a very interesting strategy as a reference for recovery, namely by checking loan files, surveys, credit analysis by applying the 5C principle, billing control by checking data periodically to find out the condition or condition of the borrowing member. In addition, the cooperative makes rescheduling, restructuring, and reconditioning to achieve mutual welfare based on the principle of kinship.
Co-Authors Firgilius Kandro Mego Asman Mericiana Yulita Fin Tae Stefanus Don Rade