JURIDICAL REVIEW OF JOINT LIABILITY AGREEMENTS IN OVERCOMING NON-PERFORMING LOANS AT PERMODALAN NASIONAL MADANI
DOI:
https://doi.org/10.33603/hermeneutika.v9i1.9936Keywords:
Joint Liability, Non-Performing Loans, Juridical ReviewAbstract
This study examines the juridical review of the joint liability system in addressing non-performing loans at PNM Mekaar Kita in Soppeng Regency. The objective of this research is to understand the implementation of the joint liability system by PNM Mekaar Kita and to analyze the juridical aspects of non-performing loan resolution. This research employs a qualitative method with a normative-empirical approach through literature study, observation, interviews, and documentation. The findings indicate that the joint liability system emphasizes shared responsibility in repaying group-based microloans. However, in practice, non-performing loans still occur, as seen in cases from 2020 due to customers' inability to meet financial obligations. The primary cause is unfavorable economic conditions, despite the agreement including a commitment to debt repayment. Therefore, more effective policies are needed to prevent non-performing loans within the joint liability system.
References
Azizah, S. N., & Mahardhika, V. (2024). Legal Analysis of Criminal Sanctions for Perpetrators of Fraud and Embezzlement in Indosurya Savings and Loan Cooperative. Novum: Jurnal Hukum, 190-201.
Dinata, K. I. P., & Mahadewi, K. J. (2023). Legal Consequences of Non-Performing Loans in LPD Desa Adat Jimbaran Due to Credit Given to Non-Residents of Jimbaran Traditional Village. Jurnal Kewarganegaraan, 7(1), 109-125.
Dzikrullah, A. A., & Chasanah, U. (2024). Optimizing the Role of Cooperatives in Supporting MSMEs: Enhancing Access to Capital, Technology Mastery, and Market Expansion. INVESTI: Jurnal Investasi Islam, 5(1), 648-668.
Fadli, F., & Ropei, A. (2022). Joint Liability Payment System in the Narrative of Islamic Economic Law (Study at PNM Mekar, Cisauk Tangerang Branch). Al-Mizan: Jurnal Ekonomi Syariah, 3(2), 102–115.
Fernandi, D., Utami, S. T., & Noviarita, H. (2024). The Role of Cooperatives and MSMEs in Improving Community Welfare. Jurnal Intelek Dan Cendikiawan Nusantara, 1(5), 4945-8956.
Hapsah, R. H., Zahrah, F. A., & Yasin, M. (2024). The Dynamics of Human, Society, and Cultural Interaction in the Era of Globalization and Modernization. Jurnal Ilmu Pendidikan & Sosial (SINOVA), 2(2), 191-202.
Hendrawan, J., Perwitasari, I. D., Hasyyati, Z., & Hasanah, D. S. (2024). UML Model of Student Tuition Fee Monitoring Information System at SMA Negeri 1 Binjai. Jurnal Minfo Polgan, 13(2), 1823-1831.
Indriyani, K., & Maulidah, N. (2024). School Cooperatives as a Means of Developing Students’ Entrepreneurial Spirit at SMK PGRI Batang. Journal of Entrepreneurship Perspectives, 1(1), 1-8.
Isnaeni, R. (2020). Economic Downturn and High Interest Rates Analysis on Non-Performing Loans in Permodalan Nasional Madani Mekar Cooperative, Brebes Regency. Journal of Accounting and Finance (JACFIN), 2(1), 36–44.
Liansah, I. (2023). Analysis of Non-Performing Loan Settlement at PT. Bank Mandiri Persero Pekanbaru Through Alternative Dispute Resolution. Hukum Dinamika Ekselensia, 5(4), 1–15.
Maharani, E. E. (2025). Implementation of Mudharabah Contracts in Savings Products at KSPSS Harapan Umat Pati. Quranomic: Jurnal Ekonomi dan Bisnis Islam, 4(1), 71-90.
Mayangsari, B. A. (2021). The Impact of PT PNM Mekaar’s Credit on the Performance of Ultra-Micro Enterprises in Batu District. Journal of Financial Economics & Investment, 1(1), 47–58.
Mendonca. (2024). The Role of PNM Mekaar in Financing Distribution to Increase MSME Income in Atambua City District. GLORY: Jurnal Ekonomi dan Ilmu Sosial, 5(1), 53–64.
Muhammad, U. R., & Zulbaidah, Z. (2021). Public Awareness Development in Economic Welfare Improvement Through "Perelek" Activities in Sayati Hilir Village. Proceedings UIN Sunan Gunung Djati Bandung, 1(24), 58-72.
Mujibno, & Baidawi. (2020). Congregational-Based Financing Service Scheme (LASISMA) in Enhancing Customer Businesses at BMT NU Pragaan Branch. Bayan Lin Naas: Jurnal Pengabdian Masyarakat, 4(2), 153–160.
Prasetianti, I. G., & SW, O. F. (2024). Mitigation Strategies for Outstanding Loans in BankZiska Financing Scheme through the Implementation of Al-Qardhul Hasan. Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam, 16(1), 294-307.
Putra Arjawa, A. A. G. (2023). Legal Analysis of Non-Performing Loan Settlement in People’s Business Credit (KUR). Jurnal Ilmiah Raad Kertha, 6(1), 71–81.
Sembiring, S. (2021). Legal Review of Joint Liability Agreements in Overcoming Non-Performing Loans. (Undergraduate Thesis, Faculty of Law, Universitas Medan).
Setiawan, W., & Rahmanto, D. N. A. (2024). Does the Joint Liability Model Reduce Financial Risks in Micro-Waqf Banks? JESIL: Jurnal Ekonomi Syariah dan Industri Halal, 1(1), 32-45.
Sevina, A. N. (2022). Public Interest in Choosing Financing at PNM Mekar Syariah, Kronjo Branch, Tangerang Regency, from an Islamic Economic Perspective. Jurnal Studi Keislaman, 8(2), 210.
Sodiq, M. J. F., Febriyansah, Y., & Setiawati, R. (2024). Strategies and Marketing Management in Increasing Remaining Business Results at the Savings and Loan Unit of Koperasi Unit Desa Sumber Rejeki Mojoagung. Management and Education Journal, 2(2), 114-126.
Sudianing, N. K., & Ardana, D. M. J. (2022). Effectiveness of Village Development Planning Meetings (MUSRENBANGDES) During the COVID-19 Pandemic in Padangbulia Village, Sukasada District. Locus, 14(2), 100-115.
Sumarni, I., Efendi, F., Mardianton, M., & Fauzi, M. (2023). Joint Liability in Women's Savings and Loan Groups (SPP) on Household Economic Resilience. EL MUDHORIB: Jurnal Kajian Ekonomi dan Perbankan Syariah, 4(2), 68-87.
Usman, R. (2021). The Meaning of Transfer of Ownership Rights to Fiduciary Collateral Objects Based on Trust. Jurnal Hukum Ius Quia Iustum, 28(1), 139-162.
Wahyuni, N. (2022). Islamic Economic Analysis of the Joint Liability Financing System: A Case Study of PNM Mekaar Talang Kelapa Branch, Palembang. Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA), 2(2), 323–340.
Downloads
Published
Issue
Section
Citation Check
License
Copyright (c) 2025 Wahyu Rasyid, Retno Indah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal HERMENUTIKA, Sekolah Pascasarjana Ilmu Hukum. Universitas Swadaya Gunung Jati as publisher of the journal. Copyright encompasses rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms, and any other similar reproductions, as well as translations.
Jurnal HERMENEUTIKA, Universitas Swadaya Gunung Jati and the Editors make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in Jurnal HERMENEUTIKA are the sole responsibility of their respective authors and advertisers.
