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primary topic: TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023)

TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023)
type: Thesis
type: Article
abstract: The issuance of the Regulation of the Minister of Cooperatives and Small and Medium Enterprises (Permenkop UKM) Number 8 of 2023 introduces a new paradigm mandating formal compliance and prudential standards, including physical collateral. This rigid regulation creates a legal gap for the Sharia Cooperative of the Women's Economic Movement (GEMI) Yogyakarta, which serves underprivileged women relying purely on social capital without material collateral. This study aims to analyze the legal standing of microfinance practices without physical collateral under Permenkop UKM No. 8 of 2023, and to analyze the legal standing of the joint liability system as a substitute instrument for material collateral in resolving defaults. This research is a juridical-empirical legal study employing sociological, statutory, and conceptual approaches. Primary data were obtained through indepth interviews and field observations, while secondary data originated from state regulations and internal cooperative documents. Data analysis was conducted using a qualitative-deductive method. This research is analyzed using three main theoretical frameworks: Legal Certainty Theory by Gustav Radbruch, Legal Effectiveness Theory by Lawrence M. Friedman, and Sharia Financing Theory focusing on wealth protection (Hifz al-Mal). The results indicate: First, microfinance practices without collateral at the GEMI Cooperative hold a legitimate administrative legal standing as a form of institutional adaptation. Although the substance of the regulation mandates physical guarantees, GEMI fulfills the essence of the prudential principle through procedural certainty (Compulsory Gathering Training, document order, and social supervision via Rembug Minggon). The "sanctions anomaly" or absence of sanctions from authorities indicates empirical recognition of this instrument. Second, the joint liability system possesses a strong civil legal standing based on Article 1295 of the Indonesian Civil Code (KUHPerdata), s…
date: 2026-06-03
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
has document: TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023) (Text)
has version: TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023) (Text)
has published: TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023) (Text)
subject: 343.07 Hukum Ekonomi

TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023) (Text)
type: Document
has file: 22103040193_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
has part: 22103040193_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf

TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023) (Text)
type: Document

UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

NIM.: 22103040193 Dahyal Afkar Najmuzzaman
type: Person
given name: NIM.: 22103040193
family name: Dahyal Afkar Najmuzzaman

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primary topic: TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023)

343.07 Hukum Ekonomi
type: Concept