PELAKSANAAN PERJANJIAN SIMPAN PINJAM PADA USAHA EKONOMI DESA SIMPAN (UED-SP) BADAN USAHA MILIK DESA MUARA UWAI SEJAHTERA DI KECAMATAN BANGKINANG KABUPATEN KAMPAR

Abstract

Muara Uwai Sejatera BUMD Savings and Loans Business as an institution
engaged in providing capital/money assistance to the community with a position
as creditors and community members/groups as debtors, in the Muara Uwai
Sejahtera BUMD Savings and Loans Business activities have experienced
developments both in terms of the number of members and from the amount of
profit/profit obtained from the provision of public credit. Loans provided by the
Muara Uwai Sejahtera BUMD are in accordance with the savings and loan
agreement that has been made and agreed upon. But in fact in the agreement the
customers have made negligence in the agreement or did not fulfill the obligations
in the contract.
This type of research can be classified in the type of sociological law
research (empirical), because in this study the author directly conducts research
on the location or place under study in order to provide a complete and clear
picture of the problem being studied. This research was conducted at the
Pelalawan Police Resort, while the population and sample were the Chairperson
of the Muara Uwai Sejahtera Village Owned Enterprise and Borrowing
Customers in the Investment Financing Agreement. Sources of data used are
primary data, and secondary data. Data collection techniques in this study were
interviews, and literature review.
The conclusions that can be obtained from the results of the study are First,
the implementation of savings and loans at UED-SP Muara Uwai Sejahtera did
not run smoothly as it should have been specified in the agreement, many
borrowers or debtors were in arrears or did not fulfill their obligations to pay
loan installments every month to the the management of UED-SP Muara Uwai
Sejahtera. However, the implementation of the savings and loans also provides
tolerance in the event of a default if the borrower conducts deliberation to reach a
consensus which is considered to be in good faith.
Keywords : Savings and Loans, Village Owned Enterprises, Agreements,

Default.