| Summary: | This study aims to determine the implementation of the Cooperation
Agreement between the constraints of Bank Rakyat Indonesia branch with
Community Self Institutions in Sukoharjo and find a solution so that the
Cooperation Agreement between the Bank Rakyat Indonesia with Community
Self Institutions can be implemented.
This study is a juridical research with an emphasis on the empirical study
of normative legislation. The data used in this study of primary data and
secondary data. Primary data were obtained directly from the original source that
has not been described and secondary data obtained by tracking the legal materials
that are primary and secondary. Overall the data obtained and analyzed by
qualitative and descriptive.
Based on the results of this study concluded that:
1. Constraints cooperation agreement between banks BRI and MFIs namely (a)
experienced a paradigm shift in which the UPK is supposed to be as a unit
manager deliverance agency, empowerment or incubators in alleviating
poverty and powerlessness, but in fact the run-oriented microfinance functions,
where the implementation of the agreement UPK administrator BRI premises
using variable profit-oriented, and (b) the shift is understandable because of the
following reasons: (1) the process of treaty implementation costs and time
required is not small, (2) there is an MFI operating expenses, (3) UPK as an
incubator institution can not partner with profit-oriented financial institution, if
not as microfinance institutions, and (4) based on Law no. 20 of 2008 on
microfinance, UPK can not qualify as microfinance institutions.
2. Solutions that agreement between the Bank BRI dan MFIs can be implemented
by way of reviewing the agreement in order to add a clause granting
compensation to the UPK operational costs, it can be deducted from the cost of
BRI or deducted or charged to KSM.
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