Pengembalian Kredit dalam Hal Meninggalnya Debitur pada Lembaga Perkreditan Desa (LPD) Buduk, Mengwi Kabupaten Badung

  • Ida Ayu Gede Putri Satrianingsih Univesitas Warmadewa
  • I Nyoman Putu Budiartha Univesitas Warmadewa
  • Ni Made Puspasutari Ujianti Univesitas Warmadewa

Abstract

Village Credit Institution is a financial institution located in the Pakraman village which was established based on regional regulations and local awig-awig. In credit repayment, there are some factors that cause credit cannot be returned by the debtor, one of which is when the debtor dies. The problems examined in this study are the factors that cause the debtor to be unable to return credit to the Buduk Village LPD, and how to return credit to the Buduk Village LPD in the event the debtor dies. The type of research used is the empirical legal research with sociological approach and the fact approach. The results illustrate that the factors that cause the debtor to be unable to return credit to the Buduk LPD are bankruptcy of the business, the debtor's payment ability, the debtor's health, the debtor's death. Then, the procedure of credit refund at the Buduk LPD, namely the amount of the loan or principal will be subject to loan rate from the principal amount paid by the debtor, if the debtor dies, the credit return is delegated to the heirs by submitting a death certificate first.

References

Ali, A. (1998). Menjelajahi Kajian Empiris. Makassar: Kencana. Retrieved from https://www.bukalapak.com/p/hobi-koleksi/buku/agama-kepercayaan/3sl9ira-jual-buku-original-menjelajahi-kajian-empiris-terhadap-hukum-prof-dr-achmad-ali-prenada?from=list-product&keyword=achmad ali&funnel=omnisearch&product_owner=normal_seller&pos=3&cf=1&s

Ali, A., & Heryani, W. (2012). Menjelajahi Kajian Empiris terhadap Hukum. Jakarta: Prenamedia Group.

Atmadja, A. T. (2011). Penyertaan Modal Sosial dalam Struktur Pengendalian Intern Lembaga Perkreditan Desa (LPD). Jurnal Ilmuiah Akuntansi Dan Humanika, 1(1). doi:http://dx.doi.org/10.23887/jinah.v1i1

Atmadja, I. D. G., & Budiartha, I. N. P. (2019). Sistematika Filsafat Hukum. Malang: Setara Pers. Retrieved from https://www.gramedia.com/author/author-prof-dr-i-dewa-gede-atmadja-shms-dr-i-nyoman-putu-budiartha-shmh

Mahmoeddin, H. A. (2010). Melacak Kredit Bermasalah. Jakarta: Pustaka Sinar Harapan. Retrieved from https://opac.perpusnas.go.id/DetailOpac.aspx?id=705297

Nurjaya, N. (2011). Landasan Teoritik Pengaturan LPD sebagai Lembaga Keuangan Komunitas Masyarakat Hukum Adat di Bali. Denpasar: Udayana University Press.

Oktafiani, L., & Idris, I. (2015). Pelaksanaan Pemberian Kredit dengan Jaminan Hak Tanggungan pada Debitur PT. Bank DKI Jakarta Pusat. Lex Jurnalica, 12(2), 79–90. Retrieved from https://media.neliti.com/media/publications/147323-ID-pelaksanaan-pemberian-kredit-dengan-jami.pdf

Putra, B. P. (2014). Pengelolaan Resiko Pada Organisasi Lembaga Perkreditan Desa. Citizen Charter, 1(1), 1–24. Retrieved from https://ojs.unud.ac.id/index.php/citizen/article/view/8941/7075

Sukandia, I. N. (2019). Lembaga Perkreditan Desa (Berbasis Masyarakat Mukum Adat Bali). Jawa Timur: CV. Nuswantara.

Yetti, F. D. (2012). Bank : Studi Komparatif Antara Ekonomi Konvensional Dan Ekonomi Islam. Al-Fikra : Jurnal Ilmiah Keislaman, 11(1), 133–164. doi:10.24014/af.v11i1.3854

Published
2021-05-02
Section
Articles
Abstract viewed = 8 times
PDF downloaded = 42 times