Peran Mediasi dalam Penyelesaian Kredit Macet Pada Koperasi

Abstract

Mediation is an alternative dispute resolution mechanism conducted outside the court, involving a neutral third party to assist disputing parties in reaching an agreement. In Indonesia, mediation is legally recognized as a fast, simple, and cost-efficient method of resolving disputes. In the context of cooperatives, particularly savings and loan activities, disputes often arise due to non-performing loans, where debtors fail to fulfill their repayment obligations, potentially disrupting the financial stability of the cooperative. The case of Koperasi Simpan Pinjam Sejahtera Bersama highlights the serious consequences of bad loans, as the cooperative was unable to return members’ funds, leading to disputes and the filing of a Suspension of Debt Payment Obligations (PKPU). This study employs a normative legal research method by examining legal principles and regulations related to mediation. The results indicate that mediation is relatively effective in resolving non-performing loan disputes, as it promotes deliberation, reduces costs, and helps maintain good relationships between cooperatives and their members. However, its effectiveness depends on the good faith and commitment of the parties. Key obstacles include the lack of debtor cooperation, non-compliance with agreements, and financial difficulties faced by debtors, which hinder dispute resolution.