JAMINAN SIMPANAN KOPERASI SIMPAN PINJAM TERHADAP SIMPANAN ANGGOTA KOPERASI DI TANA TORAJA

Abstrak

This study aims to determine and analyze the form of guarantee for cooperative member deposits in Tana Toraja and identify the guarantee of member deposits that provide legal certainty for the rights of members. The research method used is an empirical research method with a focus on empirical facts or social facts using primary data as the main data and secondary data as supporting data. The approach used in this study is the Conceptual Approach which is used to analyze the concept of the obligation of savings and loan cooperatives in guaranteeing cooperative member deposits and the Statute Approach approach is used to analyze the legal rules relevant to the guarantee of cooperative member deposits. Data collection techniques are by interviewing informants and respondents. The results of the study indicate that savings and loan cooperatives do not yet have a deposit guarantee mechanism like that applied to banking institutions. However, guarantees for member deposits are still carried out through cooperative asset management and the implementation of healthy governance, which ultimately provides protection and legal certainty for members. So, savings and loan cooperatives guarantee their members' deposits with assets owned and managed with a good mechanism that can fulfill the rights of cooperative members.