ud ud ud ud ud ud ud ud ud ud ud ud udASPEK HUKUM JAMINAN TABUNGAN ASURANSI PEGAWAI udNEGERI DALAM PERJANJIAN KREDIT DI KOPERASI PEGAWAI udASPEK HUKUM JAMINAN TABUNGAN ASURANSI PEGAWAI udNEGERI DALAM PERJANJIAN KREDIT DI KOPERASI PEGAWAI udDEPARTEMEN KOPERASI JAKARTA ud ud ud ud

摘要

ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud ud udcommit to user udABSTRACT ud udFirmansyah Gunadi, E1104136, THE LEGAL ASPECT OF INSURANCE udSAVING GUARANTEE OF CIVIL SERVANTS IN CREDIT udAGREEMENT AT THE COOPERATIVE OF JAKARTA COOPERATIVE udDEPARTMENT’S OFFICERS. udLaw Faculty of Sebelas Maret University. ud udThis research aims to find out whether or not the Civil Servant Insurance udSaving as the guarantee has fulfilled the legal aspect of collateral, procedure of udcredit agreement with the Civil Servant Insurance Saving, as well as the problems udoccurring and the solutions. udThe research method employed in writing this legal article was as follows: uddescriptive research type, the research approach employed was juridical empirical udapproach. The data source employed was the one derived directly from the field as udwell as the secondary data obtained from the library. Techniques of collecting data udused were observation, interview, and library study. Technique of analyzing data udused was quantitative data analysis one using an interactive data analysis model. udThe result of research shows that based on the Articles 30 and 31 clause ud(1) of Act Number 11 of 1969 about the Civil Servant Pension and the Civil udServant Widow/Widower Pension, the Civil Servant Insurance Saving has udfulfilled the legal aspect of collateral but the legal position of it as the collateral is udstill very weak. For that reason the credit agreement using Civil Servant Insurance udSaving as the collateral should enclose the Original Document of Prospect Civil udServant Hiring, the Original Document of Civil Servant Hiring, and the udAuthorization Document for taking the Civil Servant Insurance Saving. The udstatutes and bylaws of the Cooperatives of Cooperative Department’s Officer do udnot regulate the use of Civil Servant Insurance Saving as the collateral, in practice udit can be used as the collateral; it is the policy made by the administrators based udon the humanity and social feeling that then will be responsible for in the Member udMeeting. The procedure of credit agreement using Civil Servant Insurance Saving udas the collateral should pass through several stages: credit application, feasibility udreview and analysis, as well as credit agreement. Credit agreement had reached a udconsensus bringing into a legal relationship prevailing as the Act for the parties, udsuch legal relationship will generate the right and obligation to the parties. The udproblems occurring include debtor’s agreement violation, debtor’s bad intention, udas well as low human resource among the credit management of the cooperative udof Cooperative Department’s officers. The cooperative of Cooperative udDepartment’s officers prioritizes more the persuasively problem solving by uddiscussion and kinship principle, the cooperative of Cooperative Department’s udofficers had never taken judicature way in solving the problem. ud udKeywords: Credit Agreement, Collateral, Civil Servant Insurance Saving. ud ud ud