Pelayanan Koperasi Simpan Pinjam Kepada Masyarakat (Menurut UU Cipta Kerja & PP No. 7 Tahun 2021)

Abstract

Abstract. Article 43 Paragraph (2) of the Cooperative Law provides services for cooperatives to the public and this rule has been reaffirmed by the Job Creation Act, thereby worrying that the practice of savings and loan cooperatives with the lure of high interest rates will occur again. Until now, there are many cases of savings and loan cooperatives that serve non-members so that the savings and loan cooperatives. Therefore, the researcher wants to examine how the juridical review of cooperative services in saving and loan activities to the community according to the Job Creation Law and PP No. 7 of 2021 with the analytical method used by the historical interpretation method. The practice of savings and loan cooperatives for non-members resembles shadow banking because the practices both offer investment. Cooperatives do not involve non-members to participate in determining the interest even though the interest set must be discussed together in the members' meeting. With the occurrence of the case of savings and loan cooperatives, this means that the cooperative does not fulfill its purpose, namely the welfare of its members. The Job Creation Act regulates the provisions of cooperatives to serve non-members, finally PP No. 7 of 2021, which excludes savings and loan cooperatives from serving the community

Abstrak. Pasal 43 Ayat (2) UU Perkoperasian koperasi dibuka pelayanannya kepada masyarakat dan aturan ini dikukuhkan lagi UU Cipta Kerja sehingga mengkhawatirkan praktik koperasi simpan pinjam iming-iming bunga tinggi terjadi lagi. Sampai saat ini banyak sekali kasus koperasi simpan pinjam yang melayani non anggota sehingga koperasi simpan pinjam. Maka dari itu peneliti ingin meneliti bagaimana tinjauan yuridis pelayanan koperasi dalam kegiatan simpan pinjam kepada masyarakat menurut UU Cipta Kerja dan PP No. 7 Tahun 2021 dengan metode analisis yang digunakan metode penafsiran historis. Praktik koperasi simpan pinjam kepada non anggota menyerupai shadowbanking karena praktiknya yang sama-sama menawarkan investasi. Koperasi tidak melibatkan para non anggotanya untuk ikut melakukan penetapan bunga padahal bunga yang ditetapkan harus didiskusikan bersama-sama dalam rapat anggota. Dengan terjadinya kasus koperasi simpan pinjam ini artinya koperasi tidak memenuhi tujuannya yaitu mensejahterakan anggota. UU Cipta Kerja mengatur ketentuan koperasi dapat melayani non anggota, akhirnya terbitlah PP No. 7 Tahun 2021 yang isinya mengecualikan koperasi simpan pinjam untuk tidak melayani masyarakat.