Penerapan Pasal 29 Peraturan Menteri Koperasi Nomor 8 Tahun 2023 dalam Praktik Jaminan Pinjaman pada Koperasi Simpan Pinjam (Studi Perlindungan Hukum Anggota Koperasi)
DOI:
https://doi.org/10.35870/ljit.v4i2.8365Keywords:
Savings and Loan Cooperative; Loan Collateral; Legal Protection.Abstract
Minister of Cooperatives Regulation Number 8 of 2023 regulates savings and loan business activities, including the provision of loan collateral under Article 29 to reduce lending risks and provide legal certainty for cooperatives and their members. However, differences remain between the regulatory provisions and their implementation in practice. This study aims to analyze the implementation of Article 29 in loan collateral practices at Savings and Loan Cooperatives and examine the legal protection provided to cooperative members. This study employs normative legal research using a statutory and conceptual approach. Primary, secondary, and tertiary legal materials were analyzed qualitatively through literature study, supported by information obtained from Savings and Loan Cooperatives. The results show that Article 29 is implemented through Mandatory Loan Savings (SWP), the use of vehicle ownership documents (BPKB) and land certificates as collateral according to the loan value, verification of collateral validity, and safekeeping of collateral documents throughout the loan period. Legal protection is provided through the regulation of the parties’ rights and obligations, secure storage and return of collateral after repayment, and execution in accordance with applicable law. However, fiduciary security practices still need to comply with Law Number 42 of 1999, particularly regarding the establishment and registration of fiduciary security. Therefore, the implementation of Article 29 needs to be optimized to strengthen legal protection for cooperative members.
Downloads
References
Ayu, G., et al. (2022). Mengungkap implementasi asas kekeluargaan terhadap benda jaminan dalam kontrak kredit di Koperasi Simpan Pinjam Ratna Dana. Ekuitas: Jurnal Pendidikan Ekonomi, 10(2).
Efendi, J., & Rijadi, P. (2022). Metode Penelitian Hukum Normatif dan Empiris (Edisi Kedua). Prenadamedia Group.
Fatoni, S. (2023). Kritik Pasal 23 Ayat (1) UU No. 17 Tahun 2012 terhadap perlindungan hukum dalam regulasi hak anggota koperasi simpan pinjam dalam Pasal 15-116 Permenkop UKM No. 8 Tahun 2023. Pradana: Jurnal Hukum, 1(1).
Hermalinda, I., Amrizal, & Muksalmina. (2025). Tinjauan yuridis terhadap perlindungan hukum korban penyebaran video pornografi melalui media sosial. Jurnal Ilmiah Mahasiswa Fakultas Hukum (JIMFH), 8(3).
Hidayat, W. (2023). Koperasi Syariah: Panduan dalam Tata Kelola Koperasi Syariah yang Unggul. Penerbit Adab.
Huda, M. C., & Muhsin, I. (2021). Metode Penelitian Hukum (Pendekatan Yuridis Sosiologis). The Mahfud Ridwan Institute.
Kitab Undang-Undang Hukum Perdata (KUHPerdata).
Lisasih, N. Y. (2021). Perlindungan hukum anggota koperasi atas pinjaman bermasalah yang menggunakan sistem tanggung renteng pada Koperasi Kasih Indonesia. JCA of LAW, 2(1).
Mandiri, P., & Bersama Tebing. (2021). [Judul artikel]. Fiat Iustitia: Jurnal Hukum, 2(1), 105–114.
Matondang, K. A., Siboro, R. P., & Ramadhani, A. P. (2025). The role of cooperatives as business entities in supporting the people's economy. [Nama Jurnal], 9(2), 11–19.
Miru, A., & Pati, S. (2020). Hukum Perjanjian: Penjelasan Makna Pasal-Pasal Perjanjian Bernama dalam KUH Perdata (BW). Sinar Grafika.
Muhaimin. (2020). Metode Penelitian Hukum. Mataram University Press.
Peraturan Menteri Koperasi dan Usaha Kecil dan Menengah Republik Indonesia Nomor 8 Tahun 2023 tentang Usaha Simpan Pinjam oleh Koperasi.
Rifa'i, I., et al. (2023). Metodologi Penelitian Hukum. Sada Kurnia Pustaka.
Ruslina, E. (2019). Asas kebersamaan dan kekeluargaan sebagai dasar pembangunan hukum ekonomi Indonesia. Jurnal Hukum Sasana, 5.
Sihombing, A. M., Azwar, T. K. D., & Sukarja, D. (2025). Perlindungan hukum terhadap anggota koperasi atas gagal bayar koperasi (Studi Putusan Koperasi Simpan Pinjam Sejahtera Bersama No: 238/PDT.SUS/PKPU/2020/PN.NIAGA.JKT.PST). Recht Studiosum Law Review, 4(2), 150–161.
Sobarna, N. (2020). Analisis penilaian tingkat kesehatan koperasi simpan pinjam dan pembiayaan syariah. Coopetition: Jurnal Ilmiah Manajemen, 11.
Sosiawan, A. B., et al. (2024). Urgensi pembentukan lembaga penjamin simpanan koperasi dalam upaya perlindungan hukum terhadap anggota koperasi simpan pinjam. [Nama Jurnal].
Supianto, & Budiman, N. T. (t.t.). Pendaftaran jaminan fidusia sebagai pemenuhan asas publisitas. Indonesian Journal of Law and Islamic Law.
Tan Kamello. (2004). Hukum Jaminan Fidusia: Suatu Kebutuhan Bagi Dunia Usaha. Alumni.
Undang-Undang Nomor 25 Tahun 1992 tentang Perkoperasian.
Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia.
Zalukhu, H. (2024). Pertimbangan hakim dalam putusan pemidanaan di bawah ancaman minimum pada tindak pidana narkotika (Studi Putusan Nomor 325/Pid.Sus/2020/PN.Sdn). Jurnal Panah Hukum, 3(2), 224–236.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Husein Husein, Mairul Mairul
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.
