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首页> 外文期刊>Sriwijaya Law Review >The Importance of Applying the Membership Value Toward Savings and Loans Cooperatives in Indonesia
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The Importance of Applying the Membership Value Toward Savings and Loans Cooperatives in Indonesia

机译：将会员价值应用于储蓄和贷款合作社的重要性

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Cooperative Loans and Savings (KSP) is a business entity that having an essential role as an alternative capital fund which is faster and based on the Membership Principle. According to Law No 25 the Year 1992 concerning Cooperative s states that Cooperative s in Indonesia should operate under the Membership Principle. Cooperatives have social characteristics in the form of prioritizing mutual benefits and interests rather than personal interests and benefits. Thus, cooperatives must become the spearhead of the national economy by collecting and distributing funds . However, the reality , there are still numerous frauds in the process of collecting and distributing funds to raise the deposit and also the high interest and the high late charge . The problem appeared is how the actual management of cooperative s loans and savings to carry out their duties and functions. This research is also dealt with the extent of supervision, which is mandated by the law. KSP needs a proper procedural of supervision for their organization. The Financial Services Authority (OJK) is expected to work together with the Ministry of Cooperative and SMEs Office to supervise Cooperative Loans and Savings because it is found that many injustices have been fallen debtors and it is urgent to revise the law and make KSP is under OJK's supervision. The objective of this research is to examine the management of Cooperative Loans and Savings in Indonesia . The other aim of this research is to provide recommendation and consideration for the Indonesian government to strengthen the supervision of Cooperative Loans and Savings under OJK because there is malpractice regarding the term of interest in KSP. The research method used in this article is the statute method, which is supported by an empirical juridical approach in KSP Mitra Usaha Perkasa
机译：合作贷款和储蓄（KSP）是一项商业实体，具有作为替代资本基金的重要作用，其较快，基于会员原则。据1992年的法律介绍，关于合作社的国家，印度尼西亚的合作社应根据会员原则运作。合作社的社会特征是优先考虑互利和利益而不是个人利益和福利的形式。因此，合作社必须通过收集和分发基金成为国民经济的矛头。然而，现实，收集和分配资金的过程中仍有许多欺诈，以提高存款以及高兴趣和高额费用。出现问题是如何实际管理合作贷款和储蓄履行其职责和职能。该研究还处理了监督的程度，由法律授权。 KSP需要对其组织的适当监督程序。金融服务管理局（OJK）预计将与合作社和中小企业办事处合作，监督合作贷款和储蓄，因为有人发现许多不公正一直是堕落的债务人，并迫切需要修改法律并使KSP成为克服OJK的监督。本研究的目的是审查印度尼西亚合作贷款和储蓄的管理。该研究的另一个目的是为印度尼西亚政府提供建议和思考，加强对oJK的合作贷款和储蓄的监督，因为有关KSP的兴趣期限有弊端。本文中使用的研究方法是法规方法，由KSP Mitra Usaha Perkasa的经验法律方法支持

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