Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat

Nancy Silvana Haliwela; Mahrita Aprilya Lakburlawal

doi:10.47268/aiwadthu.v4i2.2029

Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat

Nancy Silvana Haliwela⁽¹⁾, Mahrita Aprilya Lakburlawal⁽²⁾

(1) Fakultas Hukum, Universitas Pattimura, Ambon, Indonesia
(2) Fakultas Hukum, Universitas Pattimura, Ambon, Indonesia
email

Corresponding Author

Abstract

Introduction: Credit to cooperatives has become a choice for the community, due to easy credit requirements and a faster credit disbursement process. Credit is extended by the cooperative to the community (debtor), through a credit agreement made between the cooperative and the community (debtor). A credit agreement made legally, legally binding on the parties. However, it is undeniable that many credit problems lead to bad credit, due to the lack of public legal knowledge about credit agreements.

Purposes of Devotion: Strengthening the law regarding credit agreements for the community is the focus of study in community service activities, which is important to convey to the community, in order to provide legal understanding and education regarding credit agreements for the community.

Method of Devotion: Strengthening the law is carried out through legal counseling using the panel discussion method, where the speaker first delivers the material, followed by a questions and answers session between the community and the presenter.

Results of the Devotion: Communities in Toisapu Hamlet, Hutumuri Village, Leitimur Selatan District, Ambon City, have made many credit agreements with cooperatives for capital for business activities and also for the consumptive needs of the community. As a result of the lack of legal knowledge about credit agreements, it has resulted in various legal issues between the community (debtor) and the cooperative. People (debtors) are entangled with credit, credit arrears occur and bad credit occurs. This raises a dispute between the community (debtor) and the Cooperative. The community (debtor) does not understand the credit agreement, resulting in credit not guaranteeing an increase in community business activities (debtors) instead it becomes a debt burden for the community (debtors).

Keywords

Legal Strengthening; Cooperative Credit Agreement; Community.

DOI

10.47268/aiwadthu.v4i2.2029

Published

2024-07-31

How To Cite

APA: Haliwela, N.S., & Lakburlawal, M.A. (2024). Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat. AIWADTHU: Jurnal Pengabdian Hukum, 4(2), 66–74. DOI: https://doi.org/10.47268/aiwadthu.v4i2.2029.

IEEE: N.S. Haliwela, and M.A. Lakburlawal, "Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat", AIWADTHU J. Pengabdi. Huk., vol. 4, no. 2, pp. 66–74, Jul. 2024. Accessed on: May. 20, 2025. [Online]. Available DOI: https://doi.org/10.47268/aiwadthu.v4i2.2029

Harvard: Haliwela, N.S., and Lakburlawal, M.A., (2024). "Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat". AIWADTHU: Jurnal Pengabdian Hukum, Volume 4(2), pp. 66–74. [Online]. Available DOI: https://doi.org/10.47268/aiwadthu.v4i2.2029 (Accessed on: 20 May 2025)

Chicago: Haliwela, Nancy Silvana, and Mahrita Aprilya Lakburlawal. "Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat." AIWADTHU: Jurnal Pengabdian Hukum 4, no. 2 (July 31, 2024): 66–74. Accessed May 20, 2025. doi:10.47268/aiwadthu.v4i2.2029

Vancouver: Haliwela NS, Lakburlawal MA. Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat. AIWADTHU J. Pengabdi. Huk. [Internet]. 2024 Jul 31 [cited 2025 May 20];4(2):66–74. Available from: https://doi.org/10.47268/aiwadthu.v4i2.2029

MLA 8th: Haliwela, Nancy Silvana, and Mahrita Aprilya Lakburlawal. "Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat." AIWADTHU: Jurnal Pengabdian Hukum, vol. 4, no. 2, 31 Jul. 2024, pp. 66–74, doi:10.47268/aiwadthu.v4i2.2029. Accessed 20 May. 2025.

BibTeX:

@article{aiwadthu2029,
		author = {Nancy Haliwela and Mahrita Lakburlawal},
		title = {Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat},
		journal = {AIWADTHU: Jurnal Pengabdian Hukum},
		volume = {4},
		number = {2},
		year = {2024},
		keywords = {Legal Strengthening; Cooperative Credit Agreement; Community.},
		abstract = {Introduction: Credit to cooperatives has become a choice for the community, due to easy credit requirements and a faster credit disbursement process. Credit is extended by the cooperative to the community (debtor), through a credit agreement made between the cooperative and the community (debtor). A credit agreement made legally, legally binding on the parties. However, it is undeniable that many credit problems lead to bad credit, due to the lack of public legal knowledge about credit agreements.Purposes of Devotion: Strengthening the law regarding credit agreements for the community is the focus of study in community service activities, which is important to convey to the community, in order to provide legal understanding and education regarding credit agreements for the community. Method of Devotion: Strengthening the law is carried out through legal counseling using the panel discussion method, where the speaker first delivers the material, followed by a questions and answers session between the community and the presenter.Results of the Devotion: Communities in Toisapu Hamlet, Hutumuri Village, Leitimur Selatan District, Ambon City, have made many credit agreements with cooperatives for capital for business activities and also for the consumptive needs of the community. As a result of the lack of legal knowledge about credit agreements, it has resulted in various legal issues between the community (debtor) and the cooperative. People (debtors) are entangled with credit, credit arrears occur and bad credit occurs. This raises a dispute between the community (debtor) and the Cooperative. The community (debtor) does not understand the credit agreement, resulting in credit not guaranteeing an increase in community business activities (debtors) instead it becomes a debt burden for the community (debtors).},
				issn = {2775-6203},		pages = {66--74}			doi = {10.47268/aiwadthu.v4i2.2029},
				url = {https://fhukum.unpatti.ac.id/jurnal/aiwadthu/article/view/2029}
		}

RefWorks:

Citation format: Download Citation:

Artikel Jurnal

Dewintha, Sang Ayu Kadek Wiesma, and Ni Putu Purwanti. “Tanggung Jawab Penanggung Kepada Debitur Wanprestasi Dalam Hal Terjadi Kredit Macet.” Kertha Semaya 7, no. 5 (2019): 1–15.

Hetharie, Yosia, and Pieter Radjawane. “Penyuluhan Hukum Penanganan Dan Penyelesaian Perkara Perdata Di Klasis Buru Utara Dan Buru Selatan.” AIWADTHU: Jurnal Pengabdian Hukum 1, no. 2 (2021): 73–79. https://doi.org/10.47268/aiwadthu.v1i2.657.

Purnamasari, Dewa Ayu Putu Mita, and I Nyoman Putu Budiartha. “Tanggung Jawab Debitur Dalam Perjanjian Kredit Tanpa Agunan (KTA) Pada Koperasi Serba Usaha (KSU) Kuta Imba Kabupaten Badung.” Jurnal Interpretasi Hukum 2, no. 2 (2021): 334–38. https://doi.org/10.22225/juinhum.2.2.3437.334-338.

Buku

Hamzah, Andi. Kamus Hukum. Jakarta: Ghalia Indonesia, 2005.

Hatta, Mohammad. Meninjau Masalah Kooperasi. Jakarta: Pemangunan Djakarta, 1954.

Subekti, R. Hukum Perjanjian. Jakarta: Intermasa, 2002.

Supramono, Gatot. Perjanjian Utang Piutang. Jakarta: Kencana Prenada Media Group, 2013.

Wirjono Projodikoro. Asas-Asas Hukum Perjanjian. Bandung: Citra Aditya Bakti, 2001.

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Dublin Core		PKP Metadata Items	Metadata for this Document

1.	Title	Title of document	Penguatan Hukum Tentang Perjanjian Kredit Pada Koperasi Bagi Masyarakat

2.	Creator	Author's name, affiliation, country	Nancy Silvana Haliwela; Fakultas Hukum, Universitas Pattimura, Ambon; Indonesia

2.	Creator	Author's name, affiliation, country	Mahrita Aprilya Lakburlawal; Fakultas Hukum, Universitas Pattimura, Ambon; Indonesia

3.	Subject	Discipline(s)

3.	Subject	Keyword(s)	Legal Strengthening; Cooperative Credit Agreement; Community.

4.	Description	Abstract	Introduction: Credit to cooperatives has become a choice for the community, due to easy credit requirements and a faster credit disbursement process. Credit is extended by the cooperative to the community (debtor), through a credit agreement made between the cooperative and the community (debtor). A credit agreement made legally, legally binding on the parties. However, it is undeniable that many credit problems lead to bad credit, due to the lack of public legal knowledge about credit agreements.Purposes of Devotion: Strengthening the law regarding credit agreements for the community is the focus of study in community service activities, which is important to convey to the community, in order to provide legal understanding and education regarding credit agreements for the community. Method of Devotion: Strengthening the law is carried out through legal counseling using the panel discussion method, where the speaker first delivers the material, followed by a questions and answers session between the community and the presenter.Results of the Devotion: Communities in Toisapu Hamlet, Hutumuri Village, Leitimur Selatan District, Ambon City, have made many credit agreements with cooperatives for capital for business activities and also for the consumptive needs of the community. As a result of the lack of legal knowledge about credit agreements, it has resulted in various legal issues between the community (debtor) and the cooperative. People (debtors) are entangled with credit, credit arrears occur and bad credit occurs. This raises a dispute between the community (debtor) and the Cooperative. The community (debtor) does not understand the credit agreement, resulting in credit not guaranteeing an increase in community business activities (debtors) instead it becomes a debt burden for the community (debtors).

5.	Publisher	Organizing agency, location	Faculty of Law Pattimura University

6.	Contributor	Sponsor(s)

7.	Date	(YYYY-MM-DD)	2024-07-31

8.	Type	Status & genre	Peer-reviewed Article

8.	Type	Type

9.	Format	File format	PDF

10.	Identifier	Uniform Resource Identifier	https://fhukum.unpatti.ac.id/jurnal/aiwadthu/article/view/2029

10.	Identifier	Digital Object Identifier	10.47268/aiwadthu.v4i2.2029

11.	Source	Title; vol., no. (year)	AIWADTHU: Jurnal Pengabdian Hukum; Volume 4 Nomor 2, Juli 2024

12.	Language	English=en	en

13.	Relation	Supp. Files	Untitled (876KB)

14.	Coverage	Geo-spatial location, chronological period, research sample (gender, age, etc.)

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