PELAKSANAAN PERJANJIAN KREDIT OLEH BUMKAM JAMBAI JAYA MELALUI USAHA EKONOMI DESA DAN SIMPAN PINJAM (UED-SP) DENGAN MASYARAKAT DI DESA JAMBAI MAKMUR KECAMATAN KANDIS KABUPATEN SIAK
Abstract
Village Economics and Savings and Loans Business (UED-SP) is an institution engaged in savings and loans and
belongs to the village/Ward community which is managed and managed by the village/ward community. UED-SP was
formed through village/ward deliberation and determined by village/Ward decisions. In fact, the purpose of the
establishment of UED-SP was to increase the entrepreneurial creativity of village/ward community members. who have low
income in accordance with the Regulation of the Minister of Home Affairs (Permendagri) Number 6 of 1998 concerning
Savings and Loan Village Economic Enterprises.
This study aims to find out how the implementation of credit agreements in Village-Owned Enterprises (BUMKam)
through Jambai Jaya UED-SP in Jambai Makmur Village, Kandis District, Siak Regency, as well as the factors causing bad
loans and how to resolve them. default in the event of bad credit. This research is included in the type of empirical or
sociological legal research. Empirical or sociological legal research as research that wants to see the correlation between
law and society itself, so as to reveal the effectiveness of law enforcement in society.
From the results of the research, the credit granting procedure applied by BUMKam Jambai Jaya through the
Jambai Jaya UED-SP has been carried out properly as it should in the existing procedures for granting credit to its
customers. This has been regulated and carried out by UED-SP Jambai Jaya which is contained in the implementation
instructions and also in the Articles of Association and Bylaws (AD/ART) which have been set by the program that oversees
UED-SP Jambai Jaya under the auspices of the Community Empowerment Service and Village of Siak Regency
Empowerment Section. In this credit activity, UED-SP Jambai Jaya should further improve the performance of managers in
providing loans to further minimize the occurrence of bad loans and increase socialization to the public so that people know
the purpose and function of UED-SP Jambai Jaya and provide guidance and direction to beneficiaries to utilize funds loans
properly and correctly in order to achieve the goals of UED-SP Jambai Jaya itself, which is to empower the lower middle
class community in business development. To achieve good credit, the manager of UED-SP Jambai Jaya should actually
carry out the procedures for granting credit as the procedures that already exist in various theories. And not giving much
leeway to beneficiaries who experience bad credit so that the objectives of this Village Empowerment Program can run well.
belongs to the village/Ward community which is managed and managed by the village/ward community. UED-SP was
formed through village/ward deliberation and determined by village/Ward decisions. In fact, the purpose of the
establishment of UED-SP was to increase the entrepreneurial creativity of village/ward community members. who have low
income in accordance with the Regulation of the Minister of Home Affairs (Permendagri) Number 6 of 1998 concerning
Savings and Loan Village Economic Enterprises.
This study aims to find out how the implementation of credit agreements in Village-Owned Enterprises (BUMKam)
through Jambai Jaya UED-SP in Jambai Makmur Village, Kandis District, Siak Regency, as well as the factors causing bad
loans and how to resolve them. default in the event of bad credit. This research is included in the type of empirical or
sociological legal research. Empirical or sociological legal research as research that wants to see the correlation between
law and society itself, so as to reveal the effectiveness of law enforcement in society.
From the results of the research, the credit granting procedure applied by BUMKam Jambai Jaya through the
Jambai Jaya UED-SP has been carried out properly as it should in the existing procedures for granting credit to its
customers. This has been regulated and carried out by UED-SP Jambai Jaya which is contained in the implementation
instructions and also in the Articles of Association and Bylaws (AD/ART) which have been set by the program that oversees
UED-SP Jambai Jaya under the auspices of the Community Empowerment Service and Village of Siak Regency
Empowerment Section. In this credit activity, UED-SP Jambai Jaya should further improve the performance of managers in
providing loans to further minimize the occurrence of bad loans and increase socialization to the public so that people know
the purpose and function of UED-SP Jambai Jaya and provide guidance and direction to beneficiaries to utilize funds loans
properly and correctly in order to achieve the goals of UED-SP Jambai Jaya itself, which is to empower the lower middle
class community in business development. To achieve good credit, the manager of UED-SP Jambai Jaya should actually
carry out the procedures for granting credit as the procedures that already exist in various theories. And not giving much
leeway to beneficiaries who experience bad credit so that the objectives of this Village Empowerment Program can run well.
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