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Journal : Innovative: Journal Of Social Science Research

Pelaksanaan Perjanjian Pembiayaan Usaha Mikro, Kecil, Dan Menengah (UMKM) Pada PT. Permodalan Nasional Madani Mekaar (PERSERO) (Studi Masyarakat Kelurahan Yosomulyo Kota Metro) Primadi, Lingga; Kasmawati, Kasmawati; Ramadhan, Harsa Wahyu; Zazili, Ahmad; Mustika, Dora
Innovative: Journal Of Social Science Research Vol. 5 No. 4 (2025): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v5i4.21053

Abstract

The aim of this research is first, to analyze the legal relationship in the implementation of loan and borrowing agreements at the Madani Mekaar National Capital (Persero) in the Yosomulyo sub-district, Metro City; secondly, to analyze the obstacles that occur in the implementation of lending and borrowing at PNM Mekaar (Persero) in Yosomulyo Metro City. This type of research is normative-empirical legal research with descriptive legal research type. The research problem approach is nonjudicial case study. Research data sources are primary and secondary data. Data collection methods were carried out by means of literature study, document study and interviews. Data processing methods are data inspection, data marking, data reconstruction, data systematization. The data was analyzed qualitatively. The research results show that the legal relationship between PT PNM Mekaar (Persero) and customers in Yosomulyo Village is a reciprocal contractual relationship, where both parties have rights and obligations that are clearly regulated in the business financing agreement. Implementation of financing loans at PT. PNM Mekaar (Persero) goes through four stages, namely fulfilling application requirements, surveying, implementing financing, and implementing rights and obligations. Then there are obstacles in implementing business financing agreements, namely default in implementing financing agreements at PT PNM Mekaar (Persero), in the form of delays in installment payments and customers running away, thus disrupting the smooth running of financing. Factors causing default include unstable financial conditions of customers and use of funds that are not fit for purpose.
Co-Authors A.B Takko, Bandung Addelia, Reza Adnan Saputra Agusalim, Agusalim Agustedi, Agustedi Ahmad Ahmad Ahmad Zazili Ananta, Muh. Yayang Anas Ahmadi Andi Rahmaeni Andrianata, Artanti Fitria Hassya Anidi, Anidi Antaria, Sukmasari Ardi, Ridwan Astati, Astati Aulia Putri, Cut Widy B, Ahmad Nurul Ihsan B.S. Maturbongs, Winona Raissa Budiyanto Budiyanto Chairan Zibar L. Parisu Damayanti Damayanti Darni Darni Darusman Usmana, Resa Dwiyatmi Sulasminah, Dwiyatmi Ekadayanti, Waode Elly Nurlaili Eni Sumanti Nasution Erwin Eka Saputra Faizal Faizal, Faizal Fajar, Ulul Al Farhan Firdaus, Muhammad Fauziah Nasution Fitri, Umi Gaffar, Farida Gobel, Sri Yunanci V Hadi Hidayat Hamzah Hamzah Harikedua, Vera Tasentimbang Harisal, Harisal Hentihu, Vivi Rahim Hery Widijanto Husain, Itsnain Alfajri Ilyas Ilyas Indriyanti Indriyanti, Indriyanti Irsan Irsan Isha, Indah Fadhilah Ismi, Yaqfiru Ala Jaharuddin, A. Alfandy Juwairiyah, Arna Karim, Nenny Khafifa, Khafifa Khasanah, Dicha Ummi L, Mesis L. Parisu, Chairan Zibar Lasisi, Lasisi Latifa, Ammang Leni, Mesis Lestari, Suci Ayu Listiani, Dewi Loilatu, Siti Hajar M. Sehol Mangesa, Rosita Marlinda Marlinda Marupah, Marupah Mediarta, Gde Ananta Yuga Mukadar, Suraya Mukhlis Muslimin Muliati Muliati, Muliati Munira, Hasjim Mustika, Dora Musyarafah, A. Hesty Nanda, Abd. Rakhim Nenny, Nenny Noyo, Irfandi A. Nur, Rafiah Nurhasanah Siregar . Nurleha, Siti Nurnawaty, Nurnawaty Nursaidah Nursaidah, Nursaidah Octaviana Maliza, Noer Parisu, Chairan Zibar L Parisu, Chairan Zibar L. Permatasari, Sri Jumiaty Primadi, Lingga R Dahlan, Rosmida Rahmat, Marzuki Rahmatullah Syaripuddin Rahmawati, Rahmawati Ramadhan, Harsa Wahyu Rasyid, Asriadi Raznilawati Z Rizki Agam Syahputra Safitriyawi, Roja Said, Awayundu Samir, Yulia Gita Sentia, Prima Denny Septiani, Andi Rini Simangunsong, Sampson Trimein Siregar, Meilita Siregar, Sri Utami Kholilla Mora Sisi, La Sofiyanurriyanti Sriyani Sriyani, Sriyani Sudikan, Setya Yuwana Sumarsono, Adi Sunaryo Sunaryo Suryaningsih, Ita Syahrul Syahrul Tajuddin, Maknun Taqdir Taqdir Tongeng, Andi Bunga Ulfah, Tya Usman, Ashari Wahyunengsih, Dwi wahyuni wahyuni Wangsa, Fithriyah Arief Wardani, Novia Natasya Yusril Yusril