<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023)"^^ . "The issuance of the Regulation of the Minister of Cooperatives and Small and\r\nMedium Enterprises (Permenkop UKM) Number 8 of 2023 introduces a new\r\nparadigm mandating formal compliance and prudential standards, including\r\nphysical collateral. This rigid regulation creates a legal gap for the Sharia\r\nCooperative of the Women's Economic Movement (GEMI) Yogyakarta, which\r\nserves underprivileged women relying purely on social capital without material\r\ncollateral. This study aims to analyze the legal standing of microfinance practices\r\nwithout physical collateral under Permenkop UKM No. 8 of 2023, and to analyze\r\nthe legal standing of the joint liability system as a substitute instrument for material\r\ncollateral in resolving defaults.\r\nThis research is a juridical-empirical legal study employing sociological,\r\nstatutory, and conceptual approaches. Primary data were obtained through indepth\r\ninterviews and field observations, while secondary data originated from state\r\nregulations and internal cooperative documents. Data analysis was conducted\r\nusing a qualitative-deductive method. This research is analyzed using three main\r\ntheoretical frameworks: Legal Certainty Theory by Gustav Radbruch, Legal\r\nEffectiveness Theory by Lawrence M. Friedman, and Sharia Financing Theory\r\nfocusing on wealth protection (Hifz al-Mal).\r\nThe results indicate: First, microfinance practices without collateral at the\r\nGEMI Cooperative hold a legitimate administrative legal standing as a form of\r\ninstitutional adaptation. Although the substance of the regulation mandates\r\nphysical guarantees, GEMI fulfills the essence of the prudential principle through\r\nprocedural certainty (Compulsory Gathering Training, document order, and social\r\nsupervision via Rembug Minggon). The \"sanctions anomaly\" or absence of\r\nsanctions from authorities indicates empirical recognition of this instrument.\r\nSecond, the joint liability system possesses a strong civil legal standing based on\r\nArticle 1295 of the Indonesian Civil Code (KUHPerdata), shifting the \"collateral\r\nconfiscation\" paradigm to a \"joint repayment obligation\" by all group members.\r\nThe synergy between civil legal certainty and the sharia principle of Hifz al-Mal\r\nhas empirically proven capable of suppressing the Non-Performing Financing\r\n(NPF) ratio at 3.45%, thereby providing legal protection equivalent to\r\nconventional material collateral execution."^^ . "2026-06-03" . . . . "UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . "FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . . . . . . . "NIM.: 22103040193"^^ . "Dahyal Afkar Najmuzzaman"^^ . "NIM.: 22103040193 Dahyal Afkar Najmuzzaman"^^ . . . . . . "TINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023) (Text)"^^ . . . . . "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)"^^ . . . . "HTML Summary of #76930 \n\nTINJAUAN HUKUM IMPLEMENTASI PRINSIP KEHATIHATIAN PADA PEMBIAYAAN MIKRO TANPA AGUNAN (ADAPTASI KOPERASI GEMI YOGYAKARTA TERHADAP PERMENKOP UKM NO. 8 TAHUN 2023)\n\n" . "text/html" . . . "343.07 Hukum Ekonomi" . .