ASPEK HUKUM JAMINAN TABUNGAN ASURANSI PEGAWAI NEGERI DALAM PERJANJIAN KREDIT DI KOPERASI PEGAWAI ASPEK HUKUM JAMINAN TABUNGAN ASURANSI PEGAWAI NEGERI DALAM PERJANJIAN KREDIT DI KOPERASI PEGAWAI DEPARTEMEN KOPERASI JAKARTA

Gunadi , Firmansyah (2011) ASPEK HUKUM JAMINAN TABUNGAN ASURANSI PEGAWAI NEGERI DALAM PERJANJIAN KREDIT DI KOPERASI PEGAWAI ASPEK HUKUM JAMINAN TABUNGAN ASURANSI PEGAWAI NEGERI DALAM PERJANJIAN KREDIT DI KOPERASI PEGAWAI DEPARTEMEN KOPERASI JAKARTA. Other thesis, UNIVERSITAS SEBELAS MARET SURAKARTA .

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    Abstract

    commit to user ABSTRACT Firmansyah Gunadi, E1104136, THE LEGAL ASPECT OF INSURANCE SAVING GUARANTEE OF CIVIL SERVANTS IN CREDIT AGREEMENT AT THE COOPERATIVE OF JAKARTA COOPERATIVE DEPARTMENT’S OFFICERS. Law Faculty of Sebelas Maret University. This research aims to find out whether or not the Civil Servant Insurance Saving as the guarantee has fulfilled the legal aspect of collateral, procedure of credit agreement with the Civil Servant Insurance Saving, as well as the problems occurring and the solutions. The research method employed in writing this legal article was as follows: descriptive research type, the research approach employed was juridical empirical approach. The data source employed was the one derived directly from the field as well as the secondary data obtained from the library. Techniques of collecting data used were observation, interview, and library study. Technique of analyzing data used was quantitative data analysis one using an interactive data analysis model. The result of research shows that based on the Articles 30 and 31 clause (1) of Act Number 11 of 1969 about the Civil Servant Pension and the Civil Servant Widow/Widower Pension, the Civil Servant Insurance Saving has fulfilled the legal aspect of collateral but the legal position of it as the collateral is still very weak. For that reason the credit agreement using Civil Servant Insurance Saving as the collateral should enclose the Original Document of Prospect Civil Servant Hiring, the Original Document of Civil Servant Hiring, and the Authorization Document for taking the Civil Servant Insurance Saving. The statutes and bylaws of the Cooperatives of Cooperative Department’s Officer do not regulate the use of Civil Servant Insurance Saving as the collateral, in practice it can be used as the collateral; it is the policy made by the administrators based on the humanity and social feeling that then will be responsible for in the Member Meeting. The procedure of credit agreement using Civil Servant Insurance Saving as the collateral should pass through several stages: credit application, feasibility review and analysis, as well as credit agreement. Credit agreement had reached a consensus bringing into a legal relationship prevailing as the Act for the parties, such legal relationship will generate the right and obligation to the parties. The problems occurring include debtor’s agreement violation, debtor’s bad intention, as well as low human resource among the credit management of the cooperative of Cooperative Department’s officers. The cooperative of Cooperative Department’s officers prioritizes more the persuasively problem solving by discussion and kinship principle, the cooperative of Cooperative Department’s officers had never taken judicature way in solving the problem. Keywords: Credit Agreement, Collateral, Civil Servant Insurance Saving.

    Item Type: Thesis (Other)
    Subjects: K Law > K Law (General)
    Divisions: UNSPECIFIED
    Depositing User: Users 853 not found.
    Date Deposited: 28 Aug 2013 18:20
    Last Modified: 28 Aug 2013 18:20
    URI: https://eprints.uns.ac.id/id/eprint/10801

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