Negotiation: A Dispute Settlement Offer Family (Case Study of Bina Mandiri Sentausa Cooperative)

Abstract ―​

This study aims to determine the implementation of credit dispute resolution through negotiation as an offer for amicable settlement at the Bina Mandiri Sentausa Cooperative. The method used in this study uses empirical methods or field studies, primary data obtained by interviewing the informant as the Head of the Center Manager of the Bina Mandiri Sentausa Cooperative. The difference between this article and previous research lies in the method used in obtaining the data. In previous studies, the authors used a literature study or normative juridical with secondary data. The results of the study stated that the cause of non-performing loans in the Bina Mandiri Sentausa Cooperative was caused by 2 (two) factors, internal factors and external factors. One of them is the business run by the debtor experiencing problems and the debtor losing money which ultimately has an impact on ongoing credit payments, the debtor does not have good faith and deliberately does not want to make credit payments. The offer of negotiation between the debtor and the creditor after the debtor is declared unable to pay is the beginning of the implementation of a family dispute resolution. The negotiation was chosen by the Bina Mandiri Sentausa Cooperative as an offer to settle credit disputes because it creates a win-win solution for both creditors as lenders and debtors as borrowers. the debtor does not have good faith and deliberately does not want to make credit payments. The offer of negotiation between the debtor and creditor after the debtor is declared unable to pay is the beginning of the implementation of a family dispute resolution. The negotiation was chosen by the Bina Mandiri Sentausa Cooperative as an offer to settle credit disputes because it creates a win-win solution for both creditors as lenders and debtors as borrowers. the debtor does not have good faith and deliberately does not want to make credit payments. The offer of negotiation between the debtor and the creditor after the debtor is declared unable to pay is the beginning of the implementation of a family dispute resolution. The negotiation was chosen by the Bina Mandiri Sentausa Cooperative as an offer to settle credit disputes because it creates a win-win solution for both creditors as lenders and debtors as borrowers.