LEGAL PROTECTION FOR MEMBERS AT THE CIPTA DANA SAVINGS AND LOAN COOPERATIVE, PERUMNAS BRANCH, CIREBON CITY
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Abstract
Background. A savings and loan cooperative is a legal entity that collects funds from its members in the form of savings and distributes them to members as loans or in other forms to improve their standard of living. As a financial intermediary, the cooperative has a legal relationship with its members based on principles of law and trust. This interpersonal relationship requires formal terms, which are outlined in a loan agreement.
Objectives. This study aims to identify: 1) The process of the loan agreement at the Cipta Dana Savings and Loan Cooperative, Perumnas Branch, Cirebon City, and 2) The legal protection provided to members of the cooperative.
Conclusion. The loan agreement process at the Cipta Dana Savings and a Loan Cooperative (Perumnas Cirebon Branch) requires that a loan is disbursed only after a written agreement is executed. This written consensus, known as the cooperative loan agreement, fulfills the condition of mutual consent between the debtor and creditor. This is a primary requirement for the validity of an agreement under Article 1320 of the Indonesian Civil Code, alongside its other stipulated conditions.
Implications. Theoretically, this research is expected to contribute to academic knowledge, specifically to the development of legal science in general and cooperative law in particular. Practically, this study provides insights into the legal protection for cooperative members. Using an empirical juridical method, it examines the application of the principle of freedom of contract and analyzes relevant laws to describe and reveal the legal realities on the ground
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References
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