Effectiveness of Non-Litigation Bad Debt Settlement at Pematang Jaya Savings and Loan Unit in 2024
Keywords:
Bad Debt, Village-Owned Enterprises, savings and loans, non-litigation settlementAbstract
Savings and Loans Business by Pematang Jaya Village-Owned Enterprises is a form of business that provides credit to help members and the community who need capital to run their businesses. In this case, the Pematang Jaya Savings and Loans Unit in providing credit cannot be separated from the existence of arrears or what is better known as bad credit carried out by the borrower or beneficiary. The formulation of the problem in this study: 1) How is the Effectiveness of Non-litigation Settlement of Bad Debts in the Pematang Jaya Savings Unit 2) What Factors Cause Obstacles in the Settlement of Bad Debts in the Pematang Jaya Savings Unit. The type of research is by means of a survey, a study that takes samples from the population using interviews and questionnaires as primary data collection tools. The nature of descriptive research is to describe the current state of the subject or object of research based on the facts that appear as they are. In this study, the author took a sample of 10 debtors, of which 8 debtors (80%) had not completed their installments and 2 debtors (20%) had completed their installments. In addition, the credit agreement does not clearly state the procedures for implementing dispute resolution, so this refers to Law Number 30 of 1999 concerning arbitration and alternative dispute resolution outside the courts. Where in this case using a mediation method between debtors and creditors in its resolution by involving the village head as an advisor. In addition, the management of the Pematang Jaya Savings and Loans Unit also formed a collector team to assist in the resolution by visiting the debtor to provide a warning letter regarding the installments that must be paid and have matured or if not, the collateral will be confiscated by the Savings and Loans Unit.
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