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All Journal JIS Siwirabuda (Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan)
Ida Ayu Windhari Kusuma Pratiwi
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Humanities Computer Science & IT Economics, Econometrics & Finance Library & Information Science Social Sciences

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EFEKTIVITAS MEDIASI DALAM PENYELESAIAN KREDIT BERMASALAH (STUDI KASUS DI KOPERASI JAYA MANDIRI TABANAN) Asriani, Ni Ketut Yanik Asriani; Ida Ayu Windhari Kusuma Pratiwi; I Kadek Adi Surya; Ida Bagus Wirya Dharma
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 3 No. 2 (2025): JIS SIWIRABUDA September 2025
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jurnalilmiahsainssosialkewirausahaandankebudayaan.v3i2.401

Abstract

Koperasi is an organization established to improve collective welfare, one of which is through savings and loan facilities that help members meet living and business needs. Problems arise when members fail to fulfill their credit repayment obligations. An effective solution is alternative dispute resolution through mediation, a peaceful process assisted by a neutral third party without involving the court. This study applies a socio-legal method, examining law in relation to social reality based on objective data, information, and opinions collected in the field. Theoretical foundations include Dispute Resolution Theory, Mediation Theory, and Non-Performing Loan Theory. Findings show that mediation in Koperasi Jaya Mandiri Tabanan is effective in resolving problematic loans. The process emphasizes a family approach, open communication, and consensus, resulting in agreements without litigation. However, challenges occur when debtors fail to attend mediation despite being summoned, which hinders deliberation and reflects a lack of responsibility. Therefore, more intensive communication is needed to encourage debtor participation and ensure the effectiveness of mediation.
Peran Mediasi dalam Penyelesaian Kredit Macet Pada Koperasi Ida Bagus Wirya Dharma; Ida Ayu Windhari Kusuma Pratiwi
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 4 No. 1 (2026): JIS SIWIRABUDA Maret 2026
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v4i1.438

Abstract

Mediation is an alternative dispute resolution mechanism conducted outside the court, involving a neutral third party to assist disputing parties in reaching an agreement. In Indonesia, mediation is legally recognized as a fast, simple, and cost-efficient method of resolving disputes. In the context of cooperatives, particularly savings and loan activities, disputes often arise due to non-performing loans, where debtors fail to fulfill their repayment obligations, potentially disrupting the financial stability of the cooperative. The case of Koperasi Simpan Pinjam Sejahtera Bersama highlights the serious consequences of bad loans, as the cooperative was unable to return members’ funds, leading to disputes and the filing of a Suspension of Debt Payment Obligations (PKPU). This study employs a normative legal research method by examining legal principles and regulations related to mediation. The results indicate that mediation is relatively effective in resolving non-performing loan disputes, as it promotes deliberation, reduces costs, and helps maintain good relationships between cooperatives and their members. However, its effectiveness depends on the good faith and commitment of the parties. Key obstacles include the lack of debtor cooperation, non-compliance with agreements, and financial difficulties faced by debtors, which hinder dispute resolution.
Co-Authors Adi Surya, I Kadek Asriani, Ni Ketut Yanik Asriani Ida Bagus Wirya Dharma