Perlindungan Hukum Nasabah Koperasi Simpan Pinjam (KSP) Intidana Pasca Pailit

Abstract

The Intidana Savings and Loans Cooperative, during its case before being declared bankrupt by the Judicial Review Decision by the Supreme Court, experienced very complex problems, and was declared bankrupt. In this case, there were many members who felt aggrieved over an unclear situation and raised concerns about their assets. It should be remembered that in the bankruptcy process, cooperative customers have the right to have their savings returned. What will be discussed is an analysis of the rights and obligations of customers in bankruptcy proceedings as stipulated in Law Number 37 of 2004 concerning Bankruptcy and Suspension of Obligations for Payment of Debt. In the bankruptcy process, cooperative customers who have debt must fulfill these obligations. Thus, this study aims to analyze the rights and obligations of cooperative customers in bankruptcy proceedings and evaluate the extent of the legal protection provided by Law Number 37 of 2004 concerning Bankruptcy and Postponement of Debt Payment Obligations to customers of savings and loan cooperatives experiencing bankruptcy. With the Normative Juridical approach method using primary and secondary legal sources with the specification of the research used is analytical descriptive. The results of the research show that the rights of members or customers are protected by Law Number 25 of 1992 concerning Cooperatives and based on the Principle of Legal Certainty, the implementation of which is contained in Article 1131 of the Civil Code (KUHPerdata) which regulates the order of debt payments in bankruptcy situations.

Keywords: Saving and Loans Cooperative, Legal Protection, Bankruptcy