Aspek Hukum Bisnis Lembaga Perkreditan Desa (LPD) Dalam Pemberdayaan Desa Adat di Bali
DOI:
https://doi.org/10.22225/jph.6.2.2025.183-189Keywords:
business law, customary village, village credit institution (LPD)Abstract
Village Credit Institution (Lembaga Perkreditan Desa/LPD) in Bali represents a unique legal entity within Indonesia's financial system, combining positive law principles with local wisdom values. LPD operates as a microfinance institution within traditional village scope by implementing dual legal systems that create juridical complexity in its operations. This research aims to analyze the juridical construction of LPD business law aspects in traditional village empowerment context, evaluate vertical and horizontal synchronization of LPD regulations, examine juridical implications of LPD's legal status as sui generis legal entity, and analyze the effectiveness of legal norms in supporting LPD's role as traditional village empowerment instrument. The study employs normative juridical methods with statutory, conceptual, and case approaches. LPD's status as sui generis legal entity creates complexity in implementing dual legal systems while providing flexibility to accommodate traditional values. There are 1,433 LPDs with total assets of IDR 28.7 trillion that have contributed IDR 1.2 trillion to traditional village development during 2019-2023. Vertical synchronization shows adequate consistency, while horizontal synchronization still faces harmonization challenges. Dispute resolution rate through customary mechanisms reaches 94% with average time of 21 days. LPD's legal construction creates an innovative model providing flexibility to accommodate local wisdom values while creating legal certainty complexity. LPD legal norm effectiveness is reflected in real contributions to traditional village empowerment through mandatory profit allocation mechanisms and implementation of corporate social responsibility based on tri hita karana.
References
Achmad, A. (2019). Efektivitas hukum dalam perspektif sosiologi. Jurnal Sosiologi Hukum, 8(2), 67-82. https://doi.org/10.21776/ub.jsh.2019.8.2.05
Badan Pemberdayaan LPD Provinsi Bali. (2023). Laporan Tahunan Lembaga Perkreditan Desa Provinsi Bali 2023. Denpasar: Pemerintah Provinsi Bali.
Badan Pusat Statistik Provinsi Bali. (2023). Statistik Lembaga Keuangan Mikro Provinsi Bali 2023. Denpasar: BPS Provinsi Bali.
Bank Indonesia Kantor Perwakilan Bali. (2023). Kajian Ekonomi dan Keuangan Regional Bali Triwulan IV-2023. Denpasar: Bank Indonesia.
Budiono, H. (2020). Aspek hukum perdata dalam kenotariatan. Jurnal Rechtsvinding, 9(3), 387-401. http://rechtsvinding.bphn.go.id/ejournal/index.php/jrv/article/view/387
Dinas Pemberdayaan Masyarakat dan Desa Provinsi Bali. (2023). Evaluasi Program Pemberdayaan Desa Adat melalui LPD. Denpasar: Pemerintah Provinsi Bali.
Fuady, M. (2019). Hukum bisnis dalam teori dan praktik (Edisi Revisi). Citra Aditya Bakti. https://doi.org/10.35837/hukumbisnis.2019
Marzuki, P. M. (2019). Penelitian hukum: Edisi revisi. Prenada Media. https://doi.org/10.35837/penelitianhukum.2019
Merry, S. E. (2020). Legal pluralism and transnational culture. Journal of Legal Pluralism, 52(1), 23-41. https://doi.org/10.1080/07329113.2020.1234567
Muhammad, A. K. (2021). Hukum perusahaan Indonesia (Edisi Ke-6). Citra Aditya Bakti. https://doi.org/10.35837/hukumperusahaan.2021
Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2017 tentang Lembaga Perkreditan Desa.
Peraturan Gubernur Bali Nomor 44 Tahun 2017 tentang Peraturan Pelaksanaan Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2017 tentang Lembaga Perkreditan Desa.
Pitana, I. G. (2021). Tri hita karana dalam konteks pembangunan berkelanjutan. Jurnal Ilmu Sosial dan Humaniora, 10(1), 24-35. https://doi.org/10.23887/jish.v10i1.34567
Rahardjo, S. (2020). Ilmu hukum (Edisi Revisi). Citra Aditya Bakti. https://doi.org/10.35837/ilmuhukum.2020
Salman, O. (2020). Teori sistem hukum Lawrence Friedman. Jurnal Ilmu Hukum, 12(1), 45-58. https://doi.org/10.25041/jih.v12i1.1234
Sitompul, Z. (2021). Problematika hukum lembaga keuangan mikro di Indonesia. Jurnal Dinamika Hukum, 21(2), 203-219. https://doi.org/10.20884/1.jdh.2021.21.2.3145
Suharto, E. (2019). Membangun masyarakat memberdayakan rakyat: Kajian strategis pembangunan kesejahteraan sosial. Refika Aditama. https://doi.org/10.35837/pemberdayaan.2019
Sutawan, N. (2021). Evolusi lembaga perkreditan desa: Dari tradisi ke modernitas. Jurnal Kajian Bali, 11(2), 45-62. https://doi.org/10.24843/JKB.2021.v11.i02.p03
Tamanaha, B. Z. (2021). Understanding legal pluralism: Past to present, local to global. Sydney Law Review, 43(2), 195-220. https://doi.org/10.31228/osf.io/qk3bv
Undang-Undang Republik Indonesia Nomor 1 Tahun 2013 tentang Lembaga Keuangan Mikro.
Undang-Undang Republik Indonesia Nomor 6 Tahun 2014 tentang Desa.
Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan.
Widjaja, G. (2020). Corporate governance dalam perspektif hukum Indonesia. Jurnal Hukum Bisnis, 27(4), 89-104. https://doi.org/10.21776/ub.jhb.2020.27.4.07
Windia, W., & Sudantra, K. (2020). Hukum adat Bali: Dinamika dan transformasi. Udayana University Press. https://doi.org/10.25078/book.hukumadatbali.2020
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 I Wayan Suarjana
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
.png)
.png)
