Legal Protection for Village Credit Institutions as a Financial Business Entity Exploited to Resolve the Bad Credits in the Customary Village of Kerobokan
Abstract
The existence of customary rule sanctions in the resolution of the issues of bad credits within village credit institutions in the customary village of Kerobokan has been included as one of banking laws that is legally entitled to receive legal. This research aimed to the positioning of customary law sanctions in resolving bad loans at VCI Kerobokan Customary Village and to know the forms of legal protection for VCI and how are the bad loans of customers from outside the traditional villages in Kerobokan. The method used in this research is normative legal research, namely to conduct library research by reviewing literature and analyzing statutory regulations relating to applicable provisions on VCI. This research found the settlement of the bad credit at the customary village of Kerobokan is manifested into ways. The first through preventive legal efforts, that is to say, the very moment of signing the contracts, the customers are sure to have all their incumbencies. The second is through repressive efforts that must be made on the basis of good faith. The implementation of the civil law is that the form of retribution and customary law from the customary village. Keywords: Bad Credits; Legal Protection; Village Credit Institutions; Village-Owned EnterprisesReferences
Adigorim, I. M. (n.d.). Sanksi Adat Pada Lembaga Perkreditan Desa Dalam Kerangka Principal-Agent (Studi Kasus di LPD Desa Pekraman Jungut Kabupaten Klungkung).
Arsyad, L. (2006). Assessing Factors Affecting The Repayment Rate Of Microfinance Institutions A Case Study of Village Credit Institutions of Gianyar , Bali. Gadjah Mada International Jornal of Business, 8(2), 247–273. https://doi.org/10.1111/j.1744-7909.2006.00270.x
Astawa, I. P., Sukawati, T. G. R., Triyuni, N. N., & Abdi, I. N. (2016). Performance of Microfinance Institution in Harmony Cultural Perspective in Bali. Procedia - Social and Behavioral Sciences, 219, 113–120. https://doi.org/10.1016/j.sbspro.2016.04.051
Kartika, I. N., & Jember, I. M. (2017). Sanksi Adat Pada Lembaga Perkreditan Desa Dalam Kerangka Principal-Agent LPD ( Lembaga Perkriditan Desa ) Se-Kecamatan Tembuku Kabupaten Bangli. Jurnal Ekonomi Kuantitatif Terapan, 10(2), 183–191.
Peraturan Menteri Dalam Negeri Republik Indonesia Nomor 3 Tahun 1997 tentang Pemberdayaan dan Pelestarian Serta Pengembangan Adat Istiadat, Kebiasaan-Kebiasaan Masyarakat, dan Lembaga Adat di Daerah
Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2001 tentang Desa Pakraman.
Peraturan Daerah Provinsi Bali Nomor 4 Tahun 2012 tentang Lembaga Perkreditan Desa (LPD).
Putra, I. B. W. (2011). Landasan Teoritik Pengaturan LPD Sebagai Lembaga Keuangan Komunitas Masyarakat Hukum Di Bali. Denpasar, Bali: Udayana University Press.
Seibel, H. D. (2010). From Self-Help Groups to Village Financial Institutions in Bali: How Culture Determines Finance and FinanceDetermines Culture. In inancial Promise for the Poor: How GroupsBuild Microsavings (pp. 29–37). Virginia: Kumerian Press, Sterling.
Sundarianingsih, P. (2014). Evaluasi Keberhasilan Lembaga Perkreditan Desa (Lpd) Dalam Menggerakkan Sosial Ekonomi Masyarakat Pedesaan (Studi Pada Lembaga Perkreditan Desa (LPD) Desa Adat Pekutatan). Jurnal Ekonomi Pembangunan, 12(1).
Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan
Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia
Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen
Usman, R. (2009). Hukum Jaminan Keperdataan. Jakarta: Sinar Grafika.
Widjaja, G., & Yani, A. (2001). Jaminan Fidusia. Jakarta: Rajawali Pers.
This journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge.
All articles published Open Access will be immediately and permanently free for everyone to read and download. We are continuously working with our author communities to select the best choice of license options, currently being defined for this journal as follows: Creative Commons Attribution-ShareAlike (CC BY-SA)
The author can hold the copyright without any restriction under Creative Commons Attribution-ShareAlike (CC BY-SA)