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All Journal Causa: Jurnal Hukum dan Kewarganegaraan
Nazwa Fatimah Az-Zahra
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Humanities Law, Crime, Criminology & Criminal Justice

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ANALISIS TERJADINYA GAGAL BAYAR PADA KOPERASI SIMPAN PINJAM Fitri Amanda; Nazwa Fatimah Az-Zahra; Nabila Aulia Adek Putri; Dwi Desi Yayi Tarina
Causa: Jurnal Hukum dan Kewarganegaraan Vol. 8 No. 6 (2024): Causa: Jurnal Hukum dan Kewarganegaraan
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3783/causa.v8i6.7536

Abstract

Cooperatives are one of the business entities that have long been established and developed in Indonesia. There are many types of cooperatives that have been operating in this country, one of which is a Savings and Loan Cooperative. A Savings and Loan Cooperative (KSP) is a non-bank financial institution engaged in finance with business activities that include accepting deposits and lending money to members. The default experienced by savings and loan cooperatives raises the question of whether this reflects the performance of the Ministry of Cooperatives and SMEs so that it can be considered a failure of the institution. In fact, a cooperative as a business entity should function to help its members save and achieve mutual prosperity. There are two (2) factors that inhibit default in savings and loan cooperatives, namely internal factors and external factors. The Cooperatives Act does not specifically mention legal protection for member deposits. However, the legal protection of member deposits before the problem occurs is seen in the existence of an agreement made by the Cooperative with the Member. If the agreement is not implemented by one of the parties then one of the parties can be sued in court (Article 1243 of the Civil Code).
ANALISIS EFISIENSI LEASING DALAM MANAJEMEN ASET PERUSAHAAN Nazwa Fatimah Az-Zahra; Mutiara Aura Ramadhan; Aditya Raffi Noval Pratama; Mochammad Rafli Putra Iqbal
Causa: Jurnal Hukum dan Kewarganegaraan Vol. 8 No. 8 (2024): Causa: Jurnal Hukum dan Kewarganegaraan
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3783/causa.v8i8.7638

Abstract

The history of the development of the leasing business in Indonesia began to emerge since 1974, the legal regulation of problematic financing in leasing agreements is in the Joint Decree of the Minister of Finance, Minister of Industry and Minister of Trade. Leasing is classified as an unnamed agreement (innominaat contracten), because it is not regulated in the Civil Code and has not been specifically regulated in the Law, but is an agreement that arises, grows, and develops in society. This analysis uses the library research method (literature study), which is research conducted by reading books or magazines with other data sources in the library. And by using analytical techniques that involve identifying main themes, creating categories, and interpreting data. The efficiency of leasing in corporate asset management can be compared with other methods such as direct purchase, borrowing, and leasing. In terms of cost, leasing reduces upfront capital expenditure, while outright purchase requires a large investment. Leasing also offers higher flexibility, allowing companies to renew assets periodically without the risk of depreciation, in contrast to outright purchase which is tied to the residual value of the asset. When compared to loans, leasing has a fixed payment structure and often includes maintenance, while loans require principal and interest payments, and increase the debt burden.
Co-Authors Aditya Raffi Noval Pratama Dwi Desi Yayi Tarina Fitri Amanda Mochammad Rafli Putra Iqbal Mutiara Aura Ramadhan Nabila Aulia Adek Putri